Busca y compara tarifas entre 600+ aerolíneas en Laters, y luego divide el coste de tu vuelo con ShopeePayLater — un servicio de crédito compra ahora, paga después disponible en toda el Sudeste Asiático. Tu billete electrónico se emite una vez aprobado el pago, para que puedas planificar tu viaje con confianza.
Editado por Adinda Irawan
ShopeePayLater funciona en cualquier vuelo reservado a través de Laters — cualquier aerolínea, cualquier ruta, cualquier clase de tarifa. Selecciónalo en el pago, y tu billete electrónico se emite una vez se procese el pago. Como producto de crédito, la aprobación no está garantizada, e intereses pueden aplicarse según el plan y tu mercado.
Most airlines in Southeast Asia do not take SPayLater at their own checkout. Cebu Pacific, for example, lists cards, GCash, GrabPay, Maya and PayPal, and says it supports no other methods. Book AirAsia, Scoot, Singapore Airlines or any other airline we sell through Laters.com instead: choose ShopeePayLater at checkout, pick a plan, and the e-ticket is issued once payment is confirmed.
SPayLater is live in Indonesia, Malaysia, the Philippines, Singapore, Thailand and Vietnam, with a local provider in each market, and applicants must be 18 or over. Pay Next Month costs nothing extra in Malaysia and Indonesia when paid on time, while instalments carry a monthly fee, so check the country grid below for your market's rates.
Cifras publicadas por ShopeePay, verificadas contra los términos de país de ShopeePay.
ShopeePayLater permite a los viajeros del Sudeste Asiático aplazar una tarifa de vuelo al mes siguiente o dividirla en cuotas durante varios períodos. Ambas opciones son acuerdos de crédito, por lo que se requiere una verificación de crédito e intereses o comisiones pueden aplicarse según el plan y el mercado.
$500
Pay Next Month pushes the whole fare to your next bill. In Malaysia the 1-month plan carries no charge, and in Indonesia it is 0%, so paid on time it costs nothing extra. Opción de pago único diferido bajo SPayLater.
Three monthly payments. In Malaysia, 1.5% per month applies to payments made outside the Shopee app; in Indonesia the fee starts from 1.95% per month. La disponibilidad del plazo de cuotas varía según el mercado.
Six monthly payments. In Malaysia that is 1.5% per month, 9% in total. La disponibilidad del plazo de cuotas varía según el mercado.
Twelve monthly payments. Offered in Malaysia, Indonesia and Singapore, and to selected users in the Philippines and Vietnam. Plazos más largos ofrecidos en algunos mercados; se aplican intereses.
Rates are SPayLater's published terms for its markets, checked 24 September 2026, and assume payments are made on time. SPayLater sets your actual plan, fee and limit at checkout.
ShopeePayLater está disponible para reservas de vuelos en todo el Sudeste Asiático, donde Shopee posee un servicio de crédito licenciado. Las opciones de plan y comisiones varían según el mercado — consulta la tabla por país a continuación o visita el sitio web de ShopeePayLater para conocer los términos en tu región. Esta guía recoge planes a plazos en 6 mercados. Esta guía recoge el pago aplazado en 6 mercados. En esta guía figuran 6 divisas.
In Indonesia, Pay Next Month (Bayar Bulan Depan) costs 0%. Instalments over 3, 6 or 12 months carry a fee from 1.95% per month, depending on your SPayLater account level and current promotions, and a late payment adds 5% of the overdue amount. See SPayLater's Indonesian cost guide.
SPayLater operado a través de SeaMoney/entidad de financiación local autorizada; se aplican intereses y comisiones en los plazos de cuotas.
In Thailand SPayLater is a revolving credit line. Shopee states interest of no more than 15% - 25% per year, calculated on a declining balance, and shows the interest before you pay. See Shopee Thailand's SPayLater interest guide.
Disponibilidad sujeta a licencias locales; los términos varían.
In Vietnam SPayLater runs through partner banks as a virtual credit card. Tenures run from 1 to 24 periods, with 12, 18 and 24 open only to selected users, and instalment conversion fees start from 2.95% per period. See Shopee Vietnam's SPayLater guide.
Disponibilidad sujeta a licencias locales; los términos varían.
In Malaysia the 1-month plan has no charge. Instalments cost 1.5% per month, so 12 months adds 18% in total, and Shopee also publishes 18 and 24-month terms. The 3-month plan is free only on the Shopee marketplace, not on payments made outside the app. A late bill freezes your SPayLater account and costs RM10, or the bill itself if it is lower. See SPayLater's Malaysian charges.
Disponibilidad sujeta a licencias locales; los términos varían.
In the Philippines you can pay later or choose instalments of up to 12 months, with the 12-month tenor open to select users. Expect a processing fee of 0% to 7% and interest of up to 3.95% per month, set by your credit profile, and late payments add 2.5% to 5% a month. Applicants must be 18 to 65. See Shopee Philippines' SPayLater terms.
Disponibilidad sujeta a licencias locales; los términos varían.
In Singapore SPayLater is provided by Monee (Credit) Singapore under the Singapore FinTech Association's BNPL Code of Conduct, and it is not regulated by MAS. Participating sellers offer 0% on 1, 3 and 6 months; elsewhere interest of up to 1% per month applies to 6 to 24 months. A missed bill costs $5. See Shopee Singapore's SPayLater fees.
Provided by Monee (Credit) Singapore Private Limited under the SFA BNPL Code of Conduct; not regulated by the Monetary Authority of Singapore. Up to 1% per month on 6 to 24 months at non-participating sellers; $5 late payment charge.
Pay Next Month is the plan most travellers meet first, and in Malaysia and Indonesia it costs nothing extra when paid on time. Instalments are different: every market publishes a monthly fee or interest rate, and approval and your limit depend on SPayLater's credit check. Confirm the plan and fee SPayLater shows at checkout before you book.
Most airlines don't offer ShopeePay at their own checkout, and the ones that do each set their own rules. On Laters.com, ShopeePayLater is built into one checkout that covers every airline we sell, so the plans you get don't depend on who operates the flight.
Whichever airline operates your flight and whichever ShopeePay plan gets approved, the booking is with Laters.com. That means one party handles the ticket, any change to it, and any refund, so you're not stuck chasing an airline and a lender separately when your plans shift, with the usual credit check and possible interest still applying to the plan itself.
| Lo que obtienes | Laters.com | Reservar directamente con la aerolínea | Ganador |
|---|---|---|---|
| Flight search | Compare flights from 650+ airlines in one search before choosing how to pay. | Search one airline's own flights and partner itineraries. | Laters.com |
| SPayLater at checkout | Choose ShopeePayLater at the Laters.com checkout on any airline we sell, subject to SPayLater's own approval. | Only where the airline takes it. Cebu Pacific's own checkout, for example, lists cards, GCash, GrabPay, Maya and PayPal, and no other methods. | Laters.com |
| Other ways to pay | 100+ ways to pay, including 40+ pay-later options, in one checkout. | Limited to the airline's own payment options. Pay-later choices vary by airline. | Laters.com |
| SPayLater fees and approval | SPayLater sets the fees, tenures and approval for your market, as it does anywhere you use it outside the Shopee app. | The same SPayLater terms apply where a merchant accepts it directly. | Empate |
| Booking fees and surcharges | None. Laters.com charges no booking fee and no payment surcharge. | Set by each airline's own payment terms. | Laters.com |
Verdicts compare the feature in each row; checkout shows your actual options. The fees row is a draw because SPayLater sets the same terms whoever sells the ticket. Sources checked 24 September 2026: Laters.com about, Laters.com payment options, Cebu Pacific payment methods and SPayLater charges in Malaysia.
Nuestra calificación editorial, de 0 a 10, sobre qué tan bien funciona realmente un proveedor de compra ahora, paga después cuando reservas un vuelo.
Todos los proveedores en nuestro proceso de pago se califican con las mismas 4 medidas, por lo que puedes compararlos de manera equitativa antes de elegir cómo pagar. Ver todas las puntuaciones de proveedores de vuela ahora, paga después →
This score is built from ShopeePay's published plan terms, country-by-country plan availability, and eligibility criteria for flight bookings, cross-checked against traveller feedback and our own research. No brand pays to be rated on Laters.com. Última revisión septiembre de 2026.
Laters.com es el comerciante para cada reserva en esta página: vendemos el boleto y obtenemos ingresos de la tarifa, que es la misma independientemente del método de pago que elijas. Ningún proveedor de pago nos paga por la colocación, clasificación o su Puntuación de Pago, y esta página no contiene enlaces de afiliados.
Integrado en el ecosistema de Shopee en cinco mercados del Sudeste Asiático, SPayLater es ideal para usuarios frecuentes de Shopee que desean distribuir una tarifa de vuelo durante un mes hasta un año completo. Cuatro opciones de reembolso en una sola cartera es lo más destacado. El inconveniente: se aplican intereses en planes de cuotas, las tasas varían según el país, y el servicio solo está abierto a viajeros ya activos en la plataforma.
4 medidas, calificadas de la misma manera para todos los proveedores en nuestro proceso de pago.
Repayment Flexibility8/10
SPayLater runs from Pay Next Month to instalments of 3, 6 and 12 months, and Malaysia, Singapore and Vietnam publish 18 and 24-month terms too. The longest tenures are for selected users in the Philippines and Vietnam, so flexibility depends on your market.
Fuentes: SPayLater charges in Malaysia; SPayLater overview, Vietnam; What is SPayLater, Philippines
Interest Rate6/10
Pay Next Month costs nothing extra in Malaysia and Indonesia when paid on time, but instalments are priced: 1.5% per month in Malaysia outside the Shopee app, from 1.95% per month in Indonesia and up to 3.95% per month in the Philippines. That monthly cost keeps this well below the band for interest-free plans.
Fuentes: SPayLater charges in Malaysia; SPayLater instalment costs in Indonesia; SPayLater terms in the Philippines
Eligibility7/10
SPayLater is live in six markets, each with its own provider. Applicants must be 18 or over, the Philippines sets an upper age of 65, and the 12-month tenor there is open only to select users, so eligibility is broad but tied to your market.
Fuentes: ShopeePay supported regions; SPayLater Terms of Service, Singapore; What is SPayLater, Philippines
Approval Process7/10
Approval and your spending limit are set by SPayLater's provider in each market, based on your credit profile and repayment history. In the Philippines that profile also sets your interest, up to 3.95% per month, so both your limit and your rate can change after you start using it.
Fuentes: SPayLater terms in the Philippines
This table prices one flight across ShopeePay's plans side by side. The fare itself doesn't change for paying this way; Laters.com adds no booking fee or surcharge for choosing SPayLater over a card. Plan mix and rates are set by country, and the fullest range shown here reflects markets like Indonesia and Thailand.
| Plan | Pago por adelantado | Luego | Pagas en total | Costo del crédito |
|---|---|---|---|---|
| Pagar el Próximo Mes | No especificado | En el pago | En el pago | En el pago |
| Pagar en 3 | No especificado | En el pago | En el pago | En el pago |
| Pagar en 6 | No especificado | En el pago | En el pago | En el pago |
| Pagar en 12 | No especificado | En el pago | En el pago | En el pago |
This worked example is an illustration, not a quote for your booking. What ShopeePay actually offers depends on your market and on approval at checkout. Every provider on Laters.com is costed against the same rows, so you can line them up fairly before you choose.
"Which airlines can you book with ShopeePayLater?" Every airline we sell can be paid for this way. If you can search it on Laters.com, you can split it with ShopeePay. That holds on any route and any cabin, from short-haul low-cost tickets to long-haul business class, though the split is always subject to ShopeePay's own eligibility check and limits at checkout. Which plan you're offered, a next-month deferral or a monthly instalment run, is set by the country you're booking from, not the airline you're flying. Head to the country section below for what ShopeePayLater actually publishes where you live. On a full-service carrier, the fare already includes what the airline sells: checked bags, seat choice, meals, miles. On a low-cost carrier, those extras get added one by one at checkout, and ShopeePayLater simply splits whatever the final basket adds up to. Either way, paying with ShopeePay changes nothing about the fare, the baggage allowance or the miles you earn. You fly as the airline's own passenger. You just spread the cost.
Compare Singapore Airlines fares, cabins and included baggage in our airline guide, then choose SPayLater at checkout if it is offered for your market.
Compare Malaysia Airlines fares and cabins in our airline guide, then check the SPayLater plans shown for your booking.
Compare Philippine Airlines fares and baggage in our airline guide, then pick a pay-later option at checkout.
Compare Cathay Pacific fares and cabins in our airline guide before you choose how to pay.
Compare Batik Air Malaysia fares and included extras in our airline guide, then choose your payment plan at checkout.
Compare Qantas fares, cabins and baggage in our airline guide, then compare the payment options shown for your booking.
Compare AirAsia fares and add-ons in our airline guide, then split the final basket with a pay-later plan at checkout.
Compare Cebu Pacific fares and baggage add-ons in our airline guide before you choose how to pay.
Compare Scoot fares and bundles in our airline guide, then check the pay-later plans shown for your booking.
Si ShopeePayLater no está disponible en tu país o en tu ruta preferida, Laters.com tiene una variedad de otros proveedores BNPL para que puedas seguir distribuyendo el coste de tu vuelo.
Splitit works off the card you already have rather than a new credit line, though approval still depends on your card's available limit and issuer rules.
Coverage varies by market; check Laters.com for details.
Klarna offers shorter pay-in-4 splits alongside longer monthly financing plans, and some of those longer plans carry an APR plus a credit check on approval.
Coverage varies by market; check Laters.com for details.
Afterpay splits the fare into four payments, with eligibility and any late fees depending on your account history and on-time repayment.
Coverage varies by market; check Laters.com for details.
Atome is another Southeast Asia-rooted option, splitting the cost into instalments, with approval subject to a credit or affordability check.
Everywhere
Zip runs a instalment-based plan for purchases like flights, and approval is not guaranteed since a credit check applies before checkout.
Coverage varies by market; check Laters.com for details.
Tabby lets shoppers split a fare into instalments, though eligibility depends on a credit check and any missed payment can bring a fee.
Coverage varies by market; check Laters.com for details.
Todo lo que necesitas saber sobre el pago de vuelos con ShopeePay en Laters.com.
Yes. Laters.com lets you check out with ShopeePay and choose from the Pay Next Month deferral or the Pay in 3, Pay in 6 or Pay in 12 instalment plans, depending on your country. This is a credit product, so a credit check applies and some tenures carry interest, so confirm current terms at shopee.co.id/m/shopeepaylater before you book.
All of them on Laters.com. ShopeePay sits at our checkout as a payment method, not something each individual airline switches on, so every flight we sell can be paid for this way, subject to approval and a credit check. The plan you're offered still depends on the country you're booking from.
Not from Laters.com: we add no booking fee and no payment surcharge for SPayLater. SPayLater's own fees still apply to instalments, for example 1.5% per month in Malaysia or from 1.95% per month in Indonesia, so a split fare can cost more in total than paying by card.
The e-ticket is issued once ShopeePay approves your payment plan and the booking is confirmed at checkout. Approval depends on your credit assessment, so timing can vary between travellers. If ShopeePay declines the plan you selected, you'll need to choose a different payment method to complete the booking.
Yes. ShopeePay runs a credit check to assess your eligibility and set your available limit before approving any plan, including the Pay Next Month deferral and the longer instalment options. This is standard for a regulated credit product, and approval is never guaranteed, so a firm booking date should wait until your plan is confirmed.
You pay a late fee that depends on your market: RM10 in Malaysia, or the bill if it is lower, $5 in Singapore, 5% of the overdue amount in Indonesia, and 2.5% to 5% a month in the Philippines. In Malaysia a late bill also freezes your SPayLater account until it is paid. If you expect to miss a due date, contact Shopee support in your market early.
SPayLater is live in six markets: Indonesia, Malaysia, the Philippines, Singapore, Thailand and Vietnam. Plans differ by market: Malaysia and Singapore publish tenures of up to 24 months, Indonesia offers Pay Next Month and 3, 6 or 12 months, and in the Philippines and Vietnam the longest tenures are for selected users. The country grid above lists each market's fees.
Pay in 12 spreads a large fare over twelve monthly payments, but it is not free: in Malaysia it costs 1.5% per month, 18% in total. It is offered in Malaysia, Indonesia and Singapore, and to selected users in the Philippines and Vietnam. Choose it for a smaller monthly payment, not for the lowest total cost.
It can. Applying triggers a credit check, and how that check and your repayment behaviour affect your score depends on your credit provider and market, so there's no single answer that applies everywhere. Paying on time under any plan, from Pay Next Month through Pay in 12, is the way to avoid the late fee and the risk of a negative mark. For specifics on how SPayLater reporting works in your country, check shopee.co.id/m/shopeepay.
Refund handling depends on the airline's fare rules and how the refund is processed back through ShopeePayLater once the cancellation is confirmed. Outstanding instalments generally continue to be due on schedule until any refund is applied against your balance, so a cancelled trip doesn't automatically pause your payment plan. Check with ShopeePayLater directly at shopee.co.id/m/shopeepaylater on how a specific refund will be credited.
Yes. ShopeePayLater applies to the fare total rather than to the route, so a multi-stop or international itinerary is financed the same way as a single one-way ticket. What decides which plans you see, Pay Next Month, Pay in 3, Pay in 6 or Pay in 12, is the country you're booking from on Laters.com, not where the flights actually go.
Paid on time, it is free in Malaysia and Indonesia: Malaysia's 1-month plan has no charge and Indonesia's Pay Next Month is 0%. Miss the due date and your market's late fee applies, such as RM10 in Malaysia or 5% of the overdue amount in Indonesia, so treat the due date as fixed.
Loyalty accrual is set by the airline's fare and frequent flyer terms, not by the payment method you use at checkout. Because ShopeePayLater finances the fare rather than changing the ticket itself, miles and tier points generally follow whatever the fare class and airline programme would normally award. Check the specific fare conditions on Laters.com before booking if a mileage run is the point of the trip.
It can be used on premium cabin fares, since ShopeePayLater finances whatever total the booking comes to rather than restricting by cabin class. Higher fares mean a larger balance to repay, and approval for the plan you want, including longer instalment options like Pay in 6 or Pay in 12, still depends on your credit check and assessed limit. Confirm your available limit with ShopeePayLater before assuming a premium fare will be approved.
Yes, subject to the airline's own change and cancellation rules, which apply regardless of payment method. Any instalments already scheduled under your ShopeePayLater plan, whether Pay Next Month or a longer tenure, keep running on their original due dates unless the booking change and any resulting refund are processed back through ShopeePayLater. Contact ShopeePayLater at shopee.co.id/m/shopeepaylater to understand how a specific change affects your repayment schedule.
You'll need an active ShopeePayLater account, which is assessed through its own credit check before it can be used at checkout on Laters.com. If you don't already have one, you'd set it up directly through ShopeePayLater rather than through Laters.com, and approval for the plans, from Pay Next Month to Pay in 12, isn't guaranteed. Visit shopee.co.id/m/shopeepaylater for current sign-up requirements in your country.
Shopee PayLater, shown in the app as SPayLater, is a credit line from Shopee's provider in your market. Once it approves you and sets a spending limit, choose ShopeePayLater at the Laters.com checkout and pick Pay Next Month or monthly instalments; the e-ticket is issued once payment is confirmed. You then repay SPayLater on your monthly bill, and instalments carry a fee, such as 1.5% per month in Malaysia.
It is a regulated product in some markets but not all, so the protection depends on where you live. SPayLater is supervised by the OJK in Indonesia and regulated by the Securities and Exchange Commission in the Philippines. In Singapore it follows the Singapore FinTech Association's BNPL Code of Conduct but is not regulated by MAS, and in Malaysia BNPL is not regulated by Bank Negara Malaysia. The bigger risk is cost, so borrow only what you can repay on schedule.
SPayLater's provider in your market decides eligibility, not Laters.com. Common reasons are age, since applicants must be 18 or over and 18 to 65 in the Philippines, a missing valid government ID, which the Philippines asks for, or a repayment history that lowers your spending limit. Late payments can also freeze or restrict an account. If you meet the conditions and still cannot pay with SPayLater, contact Shopee customer service in your market.
ShopeePayLater, conocido como SPayLater, es el servicio de crédito de compra ahora paga después integrado en el ecosistema de Shopee, una de las plataformas de comercio electrónico más grandes del Sudeste Asiático. Operado en asociación con entidades financieras autorizadas bajo el paraguas de SeaMoney, funciona en Indonesia, Tailandia, Vietnam, Malasia y Filipinas, con términos y disponibilidad de planes variando según el país.
En Laters, puedes buscar y comparar vuelos, y luego seleccionar ShopeePayLater en el pago. Dependiendo de tu país y elegibilidad, puedes elegir un pago único aplazado vencido el mes siguiente, o distribuir el coste en 3, 6 o 12 cuotas mensuales. Este es un producto de crédito: la aprobación no está garantizada, se aplica una evaluación de crédito, e intereses o comisiones pueden aplicarse dependiendo del plan y plazo que elijas.
Los planes de cuotas más largos, como Paga en 12, conllevan intereses en algunos mercados. Aplazar tu tarifa hoy significa que el saldo completo, más cualquier cargo aplicable, permanece adeudado en un calendario fijo. Pide prestado solo lo que puedas reembolsar cómodamente. Para tasas actuales, comisiones, límites de crédito y criterios de elegibilidad, visita shopee.co.id/m/shopeepaylater.
On Laters.com, you search your route as normal, then choose ShopeePayLater at checkout and pick a plan; the e-ticket is issued once payment is approved. You may be offered Pay Next Month, a single payment on your next bill, or monthly instalments over three, six or twelve months. Pay Next Month costs nothing extra in some markets when paid on time, while instalments carry a monthly fee, and every plan is subject to a credit check and approval.
Laters.com is the merchant of record for this booking and issues the ticket. ShopeePayLater is the payment method and credit provider, not the seller of the flight. Laters.com adds no booking fee and no payment surcharge for paying this way, and you do not need a credit card. Your repayments go to SPayLater's provider in your market on the schedule you agreed, not to Laters.com.
Laters.com obtiene ingresos de la tarifa como comerciante, lo mismo independientemente del método de pago que elijas; ningún proveedor de pago paga por la colocación en esta página.
Una reserva de vuelo y un plan de pago siguen calendarios distintos. Nuestra guía explica las cuestiones prácticas que conviene considerar antes de dividir el precio de un boleto.
Endeudarse responsablemente significa solo comprometerse con cuotas que realmente puedas pagar. Los pagos atrasados pueden resultar en cargos por mora, pueden ser reportados a agencias de referencia crediticia, y pueden afectar tu calificación crediticia y tu capacidad de endeudarse en el futuro. Visita los términos propios de ShopeePay para conocer los términos actuales, criterios de elegibilidad y disponibilidad de planes específicos por país. Laters.com es el nuevo nombre de Fly Fairly; nada cambia en tu reserva ni en el soporte. Última revisión del equipo editorial de Laters.com en septiembre de 2026.
Reseñas reales de clientes reales que reservaron vuelos con Laters.com.
Ofertas de vuelos ShopeePay, promociones de compra ahora y paga después y ventas flash, directamente en tu bandeja de entrada.
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