Flexible payment via seamless digital experience.

Up to 12-month instalments.
Choose between 2, 3, 6 or 12 months instaments.

Up to RM10,000 Limit.
Enjoy credit limit from RM2,500 - RM10,000.

Low processing fees.
1.5% per month on total payment/order amount.

How to use SPayLater.

Buy Now. Pay Later.

Download "Shopee MY: No Shipping Fee" on the App Store and create your profile.
Visit your nearest Urban Republic outlet and start shopping.
Instant approval! Scan QR and pay your first instalment at checkout using the app.

Frequently Asked Questions

Yes, SPayLater (inclusive of BNPL and instalments payment options) is certified as Shariah Compliant by Amanie Advisors (“Amanie”), a global Shariah advisory firm and a registered Shariah advisory company with the Malaysian Securities Commission (SC).
SPayLater is consistent with the Shariah permissibility on Bay’ Bithaman Ajil (deferred payment sale), where the parties in a sale transaction agree to make the payment in a deferred basis.

The maximum limit you may receive is RM10,000. However, each person will be granted a different limit at our discretion. Shopee will review your SPayLater account periodically and adjust your limit accordingly.

    You cannot apply to increase your SPayLater limit. Limits on your SPayLater accounts will be reviewed and adjusted (increase or decrease) according to your spending and repayment behavior.

You can pay for your SPayLater bills from the SPayLater page on Shopee App using ShopeePay, Debit Card/Credit Card, Cash Payment and Online Banking.

There are four payment channels available to users, namely:

  • 7-11 cash payment.
  • Online banking.
  • ShopeePay wallet.
  • Credit Card/Debit Card.
  • You are required to make full payments as per your SPayLater bills whenever you have utilized the SPayLater function.
    If you do not make full payment by the 10th or 1st of every month, your SPayLater and/or Shopee account will be suspended. To continue using the SPayLater service, a late charge of RM10 will be charged.

    A late charge of RM10 is imposed if payment is not made within the stipulated time frame and the SPayLater and/or Shopee account is suspended.
    To remain Shariah-compliant, any charges above the actual cost incurred will be donated to a charitable body approved by the Shariah Advisor
    You are required to make full payment on the amount stated in your monthly SPayLater bill by:

    Option 1 (Existing)
    Billing Date: 1st of the month
    Due Date: 10th of the month

    Option 2 (NEW)
    Billing Date: 21st of the month
    Due Date: 1st of the month