What is Grab PayLater Service?

Grab PayLater is a financial service provided by Grab that helps customers make a purchase in four interest-free installments. This payment method is available to all Grab Wallet users who have met the following criteria:

  1. 21 years and older
  2. Platinum, Gold or Silver GrabRewards tier member, and
  3. Have used either cash, credit or debit card for at least 3 Grab transactions in the recent month.

If you’re eligible for PayLater, you’ll be able to activate it in-app, or simply launch your Grab app, tap on Payments, tap on Enjoy Now and Pay Later under Explore GrabPay. If you don’t see the PayLater option, then it mean that this service is not available to you just yet.

How do I make payments using Grab Paylater?

Please follow the steps below, and use the visual guide to assist you in understanding.

  1. At the checkout page, select Grab – Pay now or Pay later option
  2. Login to your Grab account that is tied to your mobile number
  3. Enter the OTP verification when prompted to verify the account that you want to use to make the payment
  4. There must be sufficient balance in your Grab Wallet to make the payment for the first intstallment. Please topup the necessary amount required 
  5.  Once there is sufficient balance in your Grab Wallet, select the 4 installments (monthly) option 
  6. Affirm the payment due dates and select confirm purchase to proceed with the payment
  7. Congratulations! You have successfully made the purchase. A confirmation receipt of your purchase will be sent to the email you input at the shipping section.



An easy way to track if you’re earning GrabRewards points for your selected Grab payment method is to check it during the checkout flow. Please confirm this in Step 6 of the payment process.

We will inform you on our socials and on our website if there are any promotion related to Grab PayLater service.

PayLater is a free service offered by retailers to you – there are no upfront fees charged or any interest accrued.

The only fee that may be incurred is admin fee to reactivate your suspended account. Your PayLater account may be suspended if you have overdue PayLater bill and you do not make any payments after being notified by us.

To ensure safe spending practices, you will be assigned a unique PayLater Amount based on your user profile and payment practices and it is subject to change from time to time. This means, the longer you have been using PayLater and the more orders you have successfully repaid according to your payment schedule, the more likely you will be able to spend more.

No, there is currently no minimum spend required for a PayLater Instalments transaction. You can buy just a coffee lid and still use the PayLater option. 

Yes, you can have multiple PayLater transactions as long as it is within your PayLater offered amount.

You may also keep track of your PayLater Amount and transactions in the PayLater homescreen.


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