Choose monthly instalments or defer with a one-month plan; a credit check applies
Yes, you can use Alipay to book flights and buy plane tickets for any airline, on any route, in any fare class, when you book through Laters.com. Alipay checkout is built into our payment flow, so you are not limited to carriers that accept Alipay directly. Some plans defer part of the fare and may carry interest or a handling fee, and a credit check applies before approval, so treat it as credit, not free money.
Plenty of airlines simply don't take Alipay at their own checkout. Delta, American and United across the US, and British Airways, Lufthansa and Finnair across the UK, Germany and the Nordics, are among the carriers with no native Alipay option. Book any of them through Laters.com instead: select Alipay at checkout, choose a plan that fits the budget, and the e-ticket is issued once payment is confirmed.
Beyond straight wallet payment, Alipay's PayLater instalment plans are available across the markets we support, subject to approval and to being 18 or over. That range covers everything from a long-haul business-class seat to a short domestic hop, though some tenors carry a handling fee and a soft credit check is part of the process. ShopBack is also accepted at our checkout, if you want to weigh up the two.
Alipay lets you pay a fare in full from your wallet, or split it into monthly instalments through Huabei or Ant Bank PayLater. Some instalment plans carry interest or a handling fee, and Alipay runs a credit check before approving them, so read the terms attached to each plan before you pick one.
$500
No credit is involved here: you pay the fare in full from your wallet balance or linked funding source, and that's the whole transaction. There's nothing to owe afterward and nothing to schedule. Standard Alipay / AlipayHK wallet checkout (paymentMethodType ALIPAY_CN in Alipay+ Cashier Payment); no credit involved.
This defers the fare into a single repayment a month later, and a handling fee applies to that repayment regardless of when you pay. A credit check applies before Alipay approves the plan, so confirm the fee with Alipay before booking. AlipayHK only, provided by Ant Bank (Hong Kong) as Ant Bank PayLater; AlipayHK FAQ cites a 1% handling fee for the 1-month instalment when PayLater is used as a repayment method.
Split across three monthly instalments, this plan can run interest-free in some markets, while elsewhere the same three-month term carries a service charge you pay regardless of timing. A credit check applies, and which version you see depends on where your account is based. Alipay+ docs confirm hb_fq_num valid values of 3, 6 and 12 for Huabei Installment, with the service charge borne by the consumer in cross-border transactions (rate per contract). AlipayHK launched a 3-month interest-free PayLater plan from HKD 100 spend; AlipayHK FAQ cites 1.87% handling fee for a 3-month instalment as a repayment method.
Six monthly instalments spread the fare further, but the service charge here applies to every repayment, not just late ones, and the exact rate sits in Alipay's contract with the merchant. A credit check applies before approval, so this plan is never interest-free. Consumer-borne service charge; Alipay+ docs state the exact rate is set in the acquirer/merchant contract. AlipayHK FAQ cites 3.4% handling fee for a 6-month instalment as a repayment method.
The longest term on offer, twelve monthly instalments, keeps each payment smaller but adds a service charge across the whole schedule rather than only on missed payments. A credit check applies, and Alipay sets the rate you're offered after that check. Longest published tenor. AlipayHK FAQ cites 6.1% handling fee for a 12-month instalment as a repayment method; Huabei service charge rate is contractual.
The short-term instalment plan goes by different names depending on where you're flying from: Huabei Installment on the Chinese mainland, Ant Bank PayLater in Hong Kong. Whichever name applies, your e-ticket is issued in full at booking, and repayments go to Alipay or its banking partner on the schedule you choose.
Illustrative only. The figures above are computed from the fare you set: plain division for the interest-free plans, and the plan's own illustrative rate over its stated term for monthly financing. They are not an offer, a quote, or a prediction of what you will be given. Laters.com is not the lender and takes no part in the decision: which plans appear, the instalment amounts, any interest and fees, and whether you are eligible at all are determined by the provider alone, and depend on a credit or eligibility assessment, your country and your basket. The only way to see your real plans is to choose this payment method at checkout, at which point the provider, not Laters.com, approves or declines the purchase. All plans, rates, fees and terms are estimates only and subject to approval and to change.
Alipay's flight-booking coverage on Laters.com centres on the Chinese mainland and Hong Kong, reflecting where the wallet and its instalment plans are actually built out. This grid is drawn from Alipay's own published country terms, not our estimate of them, so it covers most of the markets Alipay operates in rather than the provider's full footprint elsewhere. A fare priced in one of the supported currencies, such as CNY or HKD, is charged in that local currency rather than converted at checkout. Wherever you're flying from, check the card below before you book, since eligibility and plan mix still vary by market. This guide lists instalment plans in 2 markets.
Alipay in the Chinese mainland offers wallet payment plus Huabei Installment (θ±εεζ) in 3, 6 or 12 monthly instalments; orders are priced in CNY and can be settled cross-border to acquirers.
Plans as published by Alipay for China (CN), verified .
AlipayHK offers wallet payment plus Ant Bank PayLater instalments of 1, 3, 6 and 12 months, settled in HKD, usable at AlipayHK local, overseas and Taobao merchants.
Plans as published by Alipay for Hong Kong SAR China (HK), verified .
The short-term instalment plan behind most Alipay flight bookings goes by Huabei Installment on the Chinese mainland and by Ant Bank PayLater in Hong Kong, alongside a shorter one-month PayLater option that Hong Kong publishes on its own. Instalments are taken at booking and then at fixed monthly intervals afterwards; the three-month plan is interest-free when payments are made on time, but approval is never guaranteed, a credit check applies, and the longer six- and twelve-month plans carry interest. Limits and rates differ by country and are shown by Alipay at checkout, so confirm the details for your market before relying on them.
Most airlines don't take Alipay at their own checkout, and the ones that do each set their own rules. On Laters.com, Alipay sits in one checkout across every airline we sell, so the plans you get don't depend on who operates the flight.
Whichever airline flies the route and whichever Alipay plan gets approved, the booking is with us. That means one party to call if a date needs changing or a refund is owed, not a different policy for every airline. Some Alipay plans carry fees or interest and approval is never guaranteed, so check the terms before you commit.
| What you get | Laters.com | Book direct with the airline |
|---|---|---|
| Alipay built into checkout on all 650+ airlines | β | Very few |
| The same Alipay plans, whichever airline you fly | β | β |
| Compare every airline in one search, then pay with Alipay | β | β |
| Other pay-later providers, stablecoins and 100+ more ways to pay at the same checkout | β | β |
| No surcharge and no booking fee for paying with Alipay | β | Varies |
Our editorial rating, out of 10, for how well a buy now, pay later provider actually works when you are booking a flight.
Every provider at our checkout is scored on the same 4 measures, so you can compare them like for like before you choose how to pay. See all fly now pay later provider scores β
This score is built from Alipay's own published plan terms, Alipay+ merchant documentation, and AlipayHK's FAQ on instalment handling fees, checked against the eligibility criteria Laters.com applies to flight bookings. No brand pays to be rated; every provider on the platform is scored against the same four criteria. Last reviewed September 2026.
Laters.com is the merchant for every booking on this page: we sell the ticket and earn from the fare, which is the same whichever payment method you choose. No payment provider pays us for placement, ranking or its Payment Score, and this page contains no affiliate links.
Alipay covers a wallet pay-now option plus deferred instalments through Huabei (Chinese mainland) and Ant Bank PayLater (Hong Kong), running from a 1-month plan up to 12 months. Hong Kong sees the full five-plan range; the Chinese mainland gets four. Handling fees climb from 1% to 6.1% as the term lengthens.
4 measures, scored the same way for every provider at our checkout.
Repayment Flexibility8/10
Five shapes: pay-now wallet, PayLater One-Off (1-month, AlipayHK only), and Huabei/PayLater instalments at 3, 6 and 12 months. Full range only in Hong Kong; Chinese mainland skips the 1-month plan, so not every market sees all five.
Interest Rate7/10
No APR is published on any plan, but AlipayHK's FAQ cites handling fees of 1% (1-month), 1.87% (3-month), 3.4% (6-month) and 6.1% (12-month) as a repayment method, and Huabei's service charge is set per contract, so cost rises with tenor.
Eligibility7/10
Confirmed only in two markets, Chinese mainland and Hong Kong, against Laters.com's wider footprint. AlipayHK's 3-month PayLater starts from HKD 100 spend, but minimum age and residency rules are not stated here and vary by market.
Approval Process7/10
Huabei and Ant Bank PayLater run through the Alipay+ Cashier Payment flow (hb_fq_num set at checkout for 3, 6 or 12 months), but both are underwritten credit lines, so acceptance is not guaranteed and no hard-check disclosure is supplied.
This table prices one fare across Alipay's plans, from wallet pay-now through to 12-month instalments. The fare itself does not change for paying this way; Laters.com adds no booking fee or surcharge on top. Rates and plans shown reflect Hong Kong, where the full range is confirmed.
| Plan | Due today | Then | You pay in all | Cost of credit |
|---|---|---|---|---|
| AlipayNot a credit product | $1,000.00 | Nothing left to pay | $1,000.00 | Nothing |
| PayLater One-Off Instalment | Not specified | Not specified | $1,000.00 | Nothing |
| Pay in 3 monthly instalments | Not specified | Not specified | $1,000.00 | Nothing |
| Pay in 6 monthly instalments | Not specified | Not specified | $1,000.00 | Nothing |
| Pay in 12 monthly instalments | Not specified | Not specified | $1,000.00 | Nothing |
This worked example illustrates how the plans compare; it is not a personal quote. What a traveller is actually offered depends on their market and on Alipay's approval decision. Every provider on Laters.com is costed on the same rows so the numbers can be compared fairly.
Both Alipay and ShopBack sit inside the Laters.com checkout, so this isn't a question of hunting down another site. It's a question of which plan shape fits the trip you're booking. Alipay's own menu runs wide, from paying in full straight out of your wallet to Huabei or Ant Bank PayLater instalments stretched across 3, 6 or 12 months, mostly built around mainland China and Hong Kong. If you'd rather compare ShopBack for flights on Laters.com, it's a different shape of product entirely, and worth a look before you commit. If Alipay isn't available where you are, these are the other providers that can spread the cost of your flight.
A pay-in-4 style product aimed at splitting a fare into smaller chunks rather than financing it over months. Approval and any credit check depend on ShopBack's own terms, so check the provider's site before booking.
Coverage varies by market; check ShopBack's site for your country.
Klarna typically offers a short pay-in-4 option alongside longer monthly financing plans, some of which carry interest and all of which involve a credit check at checkout. Missing a payment can bring fees, so read the schedule before you confirm.
Coverage varies by market; check Klarna's site for your country.
Afterpay is built around splitting the cost into four instalments rather than a longer loan. Approval isn't guaranteed and a missed instalment can trigger late fees, so it pays to check the terms first.
Coverage varies by market; check Afterpay's site for your country.
Zip spreads a fare across scheduled instalments, with approval subject to a credit check and some plans carrying fees or interest. Check Zip's site for the exact schedule before you book.
Coverage varies by market; check Zip's site for your country.
Tabby lets you split a fare into instalments rather than paying it all at once, though approval depends on a credit check and some plans can carry fees. Confirm current terms on Tabby's site before booking.
Coverage varies by market; check Tabby's site for your country.
Atome generally splits a purchase into three instalments, with approval and any credit check handled at checkout. Missing a payment can bring extra charges, so it's worth reading the fine print first.
Coverage varies by market; check Atome's site for your country.
Everything you need to know about paying for flights with Alipay on Laters.com.
Yes. Laters.com accepts Alipay at checkout, and depending on where you book from you may see plans ranging from paying in full straight from your wallet balance to Huabei Installment or Ant Bank PayLater spread across 3, 6 or 12 monthly instalments. Which plans appear depends on your country, since mainland China and Hong Kong offer different line-ups. Confirm current plan availability at https://www.alipayplus.com/ before you book.
All of them on Laters.com. Alipay sits at our checkout as a payment method rather than something individual airlines switch on, so any flight you can find and price on Laters.com can be paid for with Alipay. The plans on offer, from wallet payment to Huabei Installment, still depend on your country and the fare amount, not on which carrier operates the route.
No. Laters.com adds no payment surcharge and no booking fee for choosing Alipay, so the fare you see is the fare you pay whether you use a card or Alipay. That said, some Alipay instalment plans carry their own cost: AlipayHK's PayLater instalments carry a handling fee that rises with the term length, and a missed payment can trigger a late fee. Check the exact rate for your chosen term at https://www.alipayplus.com/.
Your e-ticket is issued once Alipay confirms and approves the payment, whether that's an immediate wallet debit or approval for an instalment plan like Huabei Installment or Ant Bank PayLater. Wallet payments tend to confirm faster than instalment plans, which may need a credit check to clear first. If approval takes longer than expected, check your Alipay app for the payment status before contacting Laters.com support.
It can involve one. Wallet payment through Alipay or AlipayHK draws from your existing balance and involves no credit assessment, but instalment plans like Huabei Installment (mainland China) and Ant Bank PayLater (Hong Kong) are credit products and typically require an eligibility and credit check before approval. Approval is never guaranteed, and taking on an instalment plan means you're borrowing against a future repayment schedule. Confirm the exact check used for your account at https://www.alipayplus.com/.
You'll likely be charged a late fee, and the amount owed does not disappear. AlipayHK's PayLater terms attach a handling fee to each instalment tier, and missing a scheduled repayment on top of that can mean additional late charges. Missed payments on credit products like this may also be reported to credit reference agencies, which can affect your credit standing well beyond the cost of the flight itself. If you think you'll miss a payment, contact Alipay support before the due date.
Two markets are confirmed: the Chinese mainland and Hong Kong. In the Chinese mainland, Alipay offers wallet payment plus Huabei Installment in 3, 6 or 12 monthly instalments, priced in CNY. In Hong Kong, AlipayHK offers wallet payment plus Ant Bank PayLater across 1, 3, 6 and 12 month terms, settled in HKD. Availability outside these two markets isn't confirmed, so check https://www.alipayplus.com/ if you're booking from elsewhere.
The longer instalment terms tend to suit bigger fares best, since they spread the cost furthest. In the Chinese mainland that means Huabei Installment stretched to 12 monthly instalments, and in Hong Kong that means Ant Bank PayLater's 12-month term, which AlipayHK's own fee schedule shows carries a higher handling fee than the shorter terms. A longer term lowers each individual payment but usually raises the total handling fee paid over the life of the plan, so weigh the monthly saving against the total cost before choosing.
Not when you pay on time, generally speaking. Straightforward wallet payment involves no credit and has no bearing on your credit file, but instalment products like Huabei Installment or Ant Bank PayLater are credit and can be reported to credit reference agencies if a payment is missed. Consistently repaying on schedule is unlikely to hurt your standing, but a missed or late instalment can affect your credit score. Confirm how your specific plan reports at https://www.alipayplus.com/.
A refund is generally returned to the original Alipay payment method you used, whether that was your wallet balance or a Huabei Installment or Ant Bank PayLater plan. If you were mid-way through repaying an instalment plan when the refund lands, outstanding future instalments are typically adjusted or cancelled against the refunded amount, though timing can vary. Any handling fee already charged on instalments taken before the refund may not automatically reverse. Check your Alipay app or https://www.alipayplus.com/ for how a specific refund is applied to your plan.
Yes. Alipay's plans apply to the fare total rather than to the specific route, so a multi-stop or international itinerary is treated the same as a one-way domestic fare when it comes to choosing between wallet payment and instalment plans like Huabei Installment. What actually determines which plans you see is the country you're booking from on Laters.com, not the route or stopovers in your itinerary. Confirm plan details for cross-border bookings at https://www.alipayplus.com/.
No, generally not on the longer terms. AlipayHK publishes handling fees that increase with term length: a 12-month Ant Bank PayLater instalment carries a noticeably higher fee than the shorter 1-month or 3-month options. Some shorter promotional plans, like AlipayHK's 3-month PayLater launch offer, have been advertised as interest-free from a minimum spend, but that doesn't mean every term is free of charge. Always check the current fee schedule for your chosen term at https://www.alipayplus.com/ before committing.
Generally, yes. Since Alipay is a payment method at Laters.com checkout rather than a change to how the airline records your booking, miles, tier points and status benefits tied to your fare should accrue in the same way as if you paid by card. This applies whether you pay in full through your wallet or use an instalment plan like Huabei Installment or Ant Bank PayLater. Check the specific airline's loyalty terms if you have questions about how a fare class earns points.
Yes, Alipay works the same way across cabin classes on Laters.com. A business class fare is simply a higher basket amount run through the same wallet payment or instalment plans, such as Huabei Installment or Ant Bank PayLater, that apply to economy fares. Because premium fares are larger, a longer instalment term such as 12 months may make the per-month cost more manageable, though it typically comes with a higher total handling fee. Confirm current terms for larger transactions at https://www.alipayplus.com/.
Alipay is one of the world's largest digital wallets, built to let people pay, transfer money, and now book flights from a single app. What began as a payment button for online shopping has grown into a broader financial platform, and travel bookings, including flights, are one of the categories it now touches through wallet payment and instalment plans like Huabei Installment and Ant Bank PayLater.
The company traces back to Hangzhou, China, where it launched in 2004 as a payment tool for Alibaba's Taobao marketplace, before growing into the standalone Alipay platform under parent company Ant Group. It operates today under banking and payment licences in the markets it serves, including Ant Bank in Hong Kong, and it is privately held rather than publicly listed, though Ant Group has explored a stock market listing in the past. That listing was famously halted by regulators in 2020, a reminder that even a firm this large operates under active regulatory scrutiny and has faced real setbacks alongside its growth. For current terms and coverage, check Alipay's own site rather than relying on older reporting. As with any credit product, only borrow what you can comfortably repay on the schedule you're given.
Booking is straightforward in outline: search your route on Laters.com, select Alipay at checkout, choose a plan, and your e-ticket is issued once payment is approved. Depending on where you're paying from, you may see wallet payment in full, or instalment plans such as the 3, 6 or 12-month Huabei Installment on the Chinese mainland, or Ant Bank PayLater's 1, 3, 6 and 12-month options in Hong Kong. Some of these carry a service or handling charge rather than zero cost, and instalment plans are subject to approval and, in some cases, a credit check, so read the terms shown at checkout before you confirm.
Laters.com is the merchant of record for your booking and issues the ticket; Alipay is the payment method and, where an instalment plan is used, the credit provider, not the seller of your flight. There's no payment surcharge or booking fee for paying this way, so the fare is the same as if you paid by card. You don't need a credit card to book when paying with Alipay: Alipay settles the fare with the airline on your behalf, and your repayments go back to Alipay, not to Laters.com.
Laters.com earns from the fare as the merchant, the same whichever payment method you choose; no payment provider pays for placement on this page.
A flight booking and a repayment plan run on different schedules. Our guide explains the practical questions to consider before splitting a fare.
Borrowing responsibly means only committing to instalments you can genuinely afford. Missed payments can result in late fees, may be reported to credit reference agencies, and may affect your credit standing and your ability to borrow in future. Visit Alipayβs own terms for current terms, eligibility criteria and country-specific plan availability. Laters.com is the new name for Fly Fairly; nothing about your booking or support changes. Last reviewed by the Laters.com editorial team in September 2026.
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