SPayLaterEarly access
SPayLater is available for early access
Expect limited functionality as we continue development and build the product in partnership with early users. Reach out to your Airwallex account manager or [email protected] if you would like to use this feature. Learn more about early access.
Only SPayLater MY, SG, and TH are available for early access.
Reach Southeast Asian shoppers with SPayLater
SPayLater is a Buy Now, Pay Later (BNPL) solution launched by Shopee, one of the largest e-commerce platforms in Southeast Asia. It is available for shoppers in Indonesia, Malaysia, Singapore, Philippines, and Thailand.
Payment method properties
| Features | SPayLater |
|---|---|
| Payment type | BNPL (Buy Now, Pay Later) |
| Available for businesses registered in | HK, AU, SG, UK, EU, US, MY, JP |
| Activation time for onboarding | 5-10 business days |
| Shopper regions (typically used by payers from) | ID, MY, SG, TH, VN, PH Only SPayLater MY and SG are available now |
| Processing currencies | Depending on shopper region ID: IDR MY: MYR SG: SGD TH: THB VN: VND PH: PHP |
| Settlement currencies | Depending on shopper region ID: USD MY: MYR* SG: SGD TH: THB VN: USD PH: USD Only businesses registered in MY can be settled in MYR. Businesses registered in other regions will have their transactions settled in USD or in the account's default settlement currency. |
| Settlement schedule | Depending on shopper region MY, SG and TH: T+2 business days ID, PH, VN: Weekly settlement Or next available business day if public holiday, subject to reserves |
| Minimum transaction amount | Varies by region |
| Maximum transaction amount | Depending on shopper region ID: 3,000 USD (~50M IDR) MY: 9,000 MYR SG: 3,700 USD (~4,800 SGD) TH: 2,700 USD (~87,300 THB) VN: 710 USD (~18M VND) PH: 1,800 USD (~106,000 PHP) Available installment plans vary based on the shopper's individual profile |
| Session timeout | 10 minutes |
| Recurring Payment | |
| Full & Partial Refunds | within 90 days To refund transactions, you must have the equivalent or higher in transaction volume |
| Disputes (chargebacks) | |
| Placing a hold (delayed/manual capture) | |
| Descriptor (what the payer will see in their transaction history) | Your registered business name |
| Payments for Platforms support |
Choose the integration method that best suits your needs
Airwallex has built a range of client-side integration methods that allow you to manage your UI, minimize your implementation effort, and allow you to get to market quickly.
| Online payments via your own website/app | Online payments via ecommerce plugins | Payment links & Invoice Integrations |
|---|---|---|
| Hosted Payment Page Drop-in Element Mobile SDK Native API Subscription APIs | Shopify WooCommerce SHOPLINE ShopLazza Magento | Payment Links Xero Invoice |
Shopper experience
- On desktop, shoppers who select SPayLater are redirected to Shopee's page, where they can scan a QR code or log in to their account.
- On mobile web and app, shoppers are redirected to the Shopee or ShopeePay app on their phone (depending on their region).
- In the app, shoppers will be evaluated and displayed with the different payment plans. SPayLater options are only available on the shopper's app and not on mobile or desktop browser.
- Shoppers complete payment in the app, and payment is confirmed instantly.
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