About ShopBack PayLater, powered by hoolah

ShopBack PayLater is a buy now pay later (BNPL) payment option that allows you to pay for your purchase over 3 monthly instalments. No interest, no hidden fees. 1st instalment: Upfront payment. 2nd instalment: 30 days from checkout (purchase date + 30 days)

ShopBack acquired hoolah in late 2021 and together, they now offer PayLater services on the ShopBack platform. hoolah provides the payment services (such as payment accounts and domestic money transfers), while ShopBack provides the user interface via the mobile app.

Activating PayLater on the ShopBack app means you’re agreeing to hoolah’s Terms and Conditions and Privacy Policy.

No worries! Your hoolah account will stay with hoolah while your ShopBack PayLater account stays with ShopBack. Just a note that you’ll not be able to use your hoolah account to make payments with ShopBack PayLater.

Any remaining hoolah orders will remain in your hoolah account. Outstanding hoolah payments will continue to be deducted from the card added to your hoolah account on the scheduled due dates.

You’ll be able to enjoy any ShopBack PayLater promotions as long as you’re a ShopBack member, and meet the terms and conditions set for ShopBack PayLater promotions.

ShopBack PayLater allows you to pay for your purchase over 3 monthly instalments. No interest, no hidden fees.

1st instalment: Upfront payment
2nd instalment: 30 days from checkout (purchase date + 30 days)
3rd instalment: 60 days from checkout (purchase date + 60 days

The 2nd and 3rd instalments are automatically deducted from the user’s default card in their ShopBack account on the scheduled due date. Overdue payments are subjected to late payment charges.

With PayLater, there is 0% interest, no upfront costs, no fees and no hidden charges as long as you pay on time*! You only pay what you see on our website, and it works with both debit and credit cards. There may be late payment fees for overdue payments, so that people don’t abuse the service.

At ShopBack, they believe in encouraging their customers to shop smarter and spend sensibly. They’ve created PayLater to help their customers track their purchases and make timely repayments.

What’s more, you can earn Cashback from eligible merchants when you redirect from ShopBack and use the earned Cashback to offset your ShopBack PayLater payments!

There will be no admin fees, mark-ups or hidden charges. There are no processing fees as well. You pay what you see!

If you’re a new ShopBack user, you’ll need to register for a ShopBack account first. Once this is up, head to your home screen, select “Interest-Free PayLater”, click on “Activate”, and follow the guide through the process.

If you’re an existing ShopBack user, select “Interest-Free PayLater” on your home screen, click on “Activate” and follow the guide through the process.

In line with the regulatory requirements for using ShopBack PayLater, they’ll need you to share the following information when you register:

• A Singapore NRIC or FIN number

• A mobile number issued with a Singapore prefix (+65)

• A valid email address

• Credit card/debit card issued by a financial institution

You need to be at least 18 years of age to use ShopBack PayLater.

By sharing your details, this will allow ShopBack PayLater to assess if your transaction can be supported by them.

Identification of users — to ensure that ShopBack PayLater identify the correct users, they require a front and back photo of your NRIC at sign up or you can set up your account using the MyInfo (Singpass) function

Fraud prevention — ShopBack PayLater wants to ensure that all of you have a secured in-app checkout, to prevent any misuse of identity or funds

At ShopBack, they take your privacy and data security very seriously. Their Privacy Policy explains how they may collect, use, disclose and safeguard any personal data you provide to them.

No, ShopBack PayLater don’t support cross-border app usage. What you could do is register a separate account in 1 other country where ShopBack is available. This means that for each user, you can only use ShopBack PayLater in up to 1 other country, once you’ve registered and activated ShopBack PayLater for that country.

Any Singapore-issued Visa and Mastercard credit and debit cards will be accepted. Prepaid cards and e-wallets (DBS Paylah, GrabPay & etc) are not accepted for ShopBack PayLater.

To ensure responsible spending, there’ll be a limit on the amount you can spend. This varies for each individual and is calculated by ShopBack PayLater’s system dynamically. You may view your spending limit from your ShopBack account on the mobile app under “Available to Spend” section.

No, you do not have to place a deposit with ShopBack PayLater to use their service.
There will be no admin fees, mark-ups or hidden charges. There are no processing fees as well. You pay what you see!

The outstanding instalments will be auto-deducted from the default card set in your ShopBack account based on the following schedule:

1st instalment: Upfront payment

2nd instalment: 30 days from checkout (purchase date + 30 days)

3rd instalment: 60 days from checkout (purchase date + 60 days)

To view the list of bills and payments related to ShopBack PayLater: Select Account > Bills & Payments. All of your ShopBack PayLater bills (for both online and in-store purchases) will be reflected here.

There could be multiple reasons why your order wasn’t successful. In most cases, it’s due to an expired card or insufficient funds in the account. For details on how you can update your card, read on ShopBack PayLater step-by-step guide – alternative payment method

If you’re facing an error while using your debit card, it could be because your card is not enabled for e-commerce transactions. For this instance, please reach out to your respective bank to enable your debit card.

If you’re hoping to make an early repayment, please note that ShopBack PayLater do not support this feature at the moment. Payments will automatically be deducted based on your payment schedule for each individual ShopBack PayLater transaction.

If you still need help, please reach out to ShopBack PayLater Customer Service team via their live chat or directly from the ShopBack app and website.

ShopBack PayLater Customer Support team operates every Mondays to Sundays, 9am to 6:00pm.

You may refer to the full list of FAQs on ShopBack PayLater website or reach out to their Customer Service team via their live chat or directly from the ShopBack app and website.

ShopBack PayLater Customer Support team operates every Mondays to Sundays, 9am to 6:00pm.