Up to 2 plan types650+ airlines availableNo hidden booking fees

Book Kakaopay Flights

Pay Kakao Pay in full at checkout. No hidden booking fees on Laters.

Over a million travelers a year
find flights on Laters.com

Kakaopay flights

Can You Use Kakaopay for Flights?Yes, Kakaopay Works on Any Airline on Laters.com

Yes, you can use Kakaopay to book flights and buy plane tickets for any airline, on any route, in any fare class, through Laters.com. Kakaopay is a credit and payment option here, not something every airline offers at its own checkout. Pay in full through your KakaoTalk wallet, or, where your card issuer allows it, spread the cost with card instalments. Both are checked against your card and account details before approval.

Most airlines never built Kakao Pay into their own booking pages. Delta and United in the US do not offer it directly, nor do British Airways, Lufthansa and Ryanair across the UK, Germany and the rest of Europe, and neither do Nordic carriers like Norwegian or Finnair. Booking through Laters.com is what makes Kakao Pay usable across all of them: select Kakaopay at checkout, choose the plan that fits your budget, and your e-ticket is issued once payment is confirmed.

We support Kakao Pay's immediate in-full wallet payment, and, where your card issuer and the merchant allow it, monthly card instalments, in the market where Kakao Pay checkout is available. That covers a long-haul business-class booking just as it does a short domestic hop, though approval is never guaranteed and you need to be 18 or over to use it. Some card instalment plans carry interest set by your card issuer rather than by Kakao Pay, so check the terms before you commit. Splitit is also accepted at our checkout, if you want to compare the two.

  1. Search flights and compare fares
  2. Choose Kakaopay at checkout and pick a plan
  3. Fly now, pay the rest to Kakaopay on schedule
Payment plans explained

Split Your Flight, Pay Over Time with Kakaopay

With Kakaopay you either pay your fare in full through your KakaoTalk wallet at checkout, or, where your card issuer allows it, split that same charge into monthly card instalments. The wallet option carries no credit and no check. Card instalments are a credit arrangement set by your card issuer, so a credit check and interest or fees may apply depending on that issuer's terms.

Your Kakaopay fareUSD

$500

Most popular

Kakao Pay (Pay Now)

Payments
$500.00charged immediately at checkout
Due today
$500.00
Total you pay
$500.00paid in full today

This is not a credit product: your Pay Money balance, linked bank account or registered card is charged in full the moment you confirm, and no credit check is involved. You get your e-ticket issued straight from that one completed payment, with nothing owed afterward. Kakao Pay is fundamentally a digital wallet: the customer authenticates in KakaoTalk/Kakao Pay and the full amount is taken at once. Settlement to merchants is in Korean won.

Card instalments (할부)

Payments
$500.00monthly
Due today
Not specifiedin this example
Total you pay
$500.00no interest

Splitting the fare into monthly card instalments depends on your card issuer and Kakao Pay's merchant agreement allowing it, and a credit check by that issuer applies. Whether the months run interest-free or carry a fee is decided by your card company, not Kakaopay, so read your issuer's offer before you confirm. Kakao Pay's own help centre states instalment payment is possible depending on the card issuer and the merchant, and that instalments are not available for recurring payments or debit (check) cards. The number of months, any interest-free promotion and the instalment fee are set by the issuing card company, not by Kakao Pay, so no APR, term or basket limits are published by Kakao Pay itself.

Kakaopay itself settles your fare in full at booking in Korean won either way. Where instalments are offered, you repay your own card issuer on the schedule and terms that issuer sets, not Kakaopay.

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.

Kakaopay plans by country

Kakaopay Flight Booking: Available Countries

Kakaopay's flight coverage on Laters.com is narrow by design: it centres on its home market, South Korea, rather than stretching across a wider region. There is no supplied total for how many markets Kakaopay operates in globally, so we cannot say whether this grid matches its full footprint or only a slice of it. Settlement runs in Korean won, so a fare booked this way is charged in that currency rather than converted at checkout. The grid is built from Kakaopay's own published terms for its wallet and card-instalment options. This guide lists financing in 1 market.

The plan Kakaopay calls Card instalments, known locally as halbu, is offered by the issuing card company rather than by Kakaopay itself, and it is only published in South Korea, the sole market listed here. Where it applies, the fare is split into instalments charged to a registered credit card at fixed monthly intervals after purchase, and some issuers offer stretches with no added interest when paid on schedule, though approval is never guaranteed and longer instalment runs can carry interest set by the card company. Alongside it sits the standard Kakao Pay option, where the full fare is taken in one go from the wallet, bank account or card at checkout rather than split at all. Limits, eligible cards and any interest terms differ by issuer and are shown by Kakaopay and the card company at checkout, not fixed by Laters.com.

Laters.com vs booking direct

Why Book Your Kakaopay Flights on Laters.com?

Most airlines do not put Kakaopay at their own checkout, and the ones that do each set their own rules for it. On Laters.com, Kakaopay sits inside one checkout that covers every airline we sell, so the plan you get does not depend on who operates the flight.

Whichever airline flies the route and whichever way Kakaopay approves you, in full or by card instalments, the booking is with Laters.com. That means one place to go if a flight time shifts, a name needs fixing or a refund is owed, rather than chasing the airline and your card issuer separately.

Laters.com compared with booking direct with the airline
What you getLaters.comBook direct with the airline
Kakaopay built into checkout on all 650+ airlinesVery few
The same Kakaopay plans, whichever airline you fly
Compare every airline in one search, then pay with Kakaopay
Other pay-later providers, stablecoins and 100+ more ways to pay at the same checkout
No surcharge and no booking fee for paying with KakaopayVaries
Compare pay-later options

More Ways to Pay Later for Flights

Kakaopay and splitit are both available at the Laters.com checkout, so this isn't a matter of finding one somewhere else, it's a matter of picking between two options already sitting in front of you. Kakaopay's own shape is a wallet-first setup: pay in full immediately through your KakaoTalk balance, linked bank account or card, with card instalments layered on only where your card issuer allows it and on terms that issuer sets. splitit works differently, built around a pay-in-4 structure rather than a wallet-and-instalment hybrid, and you can compare splitit for flights on Laters.com. If Kakaopay isn't available where you are, these are the other providers that can spread the cost of your flight.

Other providers

splitit

Pay in 4 instalments

Splitit generally works off your existing credit card rather than a new credit line, though approval and card eligibility still apply, and any interest or fees follow your card's own terms.

Coverage varies by market; check the provider's site for current availability.

View provider guide

Klarna

Pay in 4 or monthly financing

Klarna offers both a short-term split-pay option and longer financing plans, with some plans carrying an APR and a credit check as part of approval.

Coverage varies by market; check the provider's site for current availability.

View provider guide

Afterpay

Pay in 4 instalments
Afterpay

Afterpay splits the fare into instalments, with approval decided at checkout and late fees possible if a payment is missed.

Coverage varies by market; check the provider's site for current availability.

View provider guide

Zip

Pay in 4 or longer financing
Zip

Zip offers instalment plans that can extend beyond a simple pay-in-4 structure, subject to approval and, on some plans, an APR.

Coverage varies by market; check the provider's site for current availability.

View provider guide

Affirm

Monthly financing
Affirm

Affirm spreads the fare over monthly payments, with a credit check as part of approval and interest charges possible depending on the plan you're offered.

Coverage varies by market; check the provider's site for current availability.

View provider guide

Tabby

Pay in 4 instalments
Tabby

Tabby splits the cost into instalments at checkout, with approval based on Tabby's own assessment and fees possible if a payment is missed.

Coverage varies by market; check the provider's site for current availability.

View provider guide
40+ProvidersEvery fly now pay later providerExplore the provider guides and compare their payment products. The options available for your booking, approval and terms are shown at checkout.Compare fly now pay later providers
Fees, refunds, credit checks and eligibility

FAQs: Using Kakaopay to Book Flights

Everything you need to know about paying for flights with Kakaopay on Laters.com.

01Can I book flights with Kakaopay on Laters.com?

Yes. You can choose Kakao Pay at checkout on Laters.com and pay in full through your KakaoTalk wallet, Pay Money balance, linked bank account or a registered card, since Kakao Pay is set up as a pay-now wallet rather than a split-into-instalments plan. Depending on the card you have registered, you may also be offered card instalments (할부), where the number of months and any fees are set by your card issuer rather than by Kakao Pay itself. Check the options shown at checkout, since availability can vary.

02Which airlines can I pay for with Kakaopay on Laters.com?

All of them on Laters.com. Kakao Pay sits at our checkout as a payment method, not a switch each airline flips on individually, so every airline fare we sell can be paid this way. Whether you're offered the pay-now wallet or card instalments (할부) depends on your registered card and issuer, not on the carrier. This makes it straightforward to compare fares across airlines without worrying about which ones accept Kakao Pay.

03Does paying with Kakaopay cost more than paying by card on Laters.com?

No. Laters.com does not add a payment surcharge or booking fee for choosing Kakao Pay, so the fare shown is the same as paying by card directly. If you use the pay-now wallet option, the full amount is simply charged at checkout with no separate late fee to worry about. If you instead use card instalments (할부), your card issuer sets the interest-free promotion, if any, and any instalment fee, so those terms come from the issuer rather than from Kakao Pay or Laters.com.

04When do I get my e-ticket after paying with Kakaopay?

Your e-ticket is issued once your Kakao Pay payment is approved and processed through the KakaoTalk wallet or linked account. If you're paying in full through Kakao Pay, approval happens as soon as your authentication and payment go through at checkout. If you're using card instalments (할부) instead, approval depends on your card issuer confirming the instalment plan, which can add a step before your ticket is confirmed. Always check your booking confirmation on Laters.com to be sure your ticket has been issued.

05Is there a credit check when I use Kakaopay for flights?

It depends on which option you use. The Kakao Pay pay-now wallet draws from your Pay Money balance, linked bank account or registered card, and doesn't itself run a separate credit check since it's a wallet payment rather than a credit product. Card instalments (할부), however, run through your existing credit card agreement, meaning any credit assessment already tied to that card applies, and taking on instalments adds to your outstanding card balance. Confirm the details of your card agreement with your issuer before choosing instalments.

06What happens if I miss a Kakaopay instalment payment?

If you've chosen card instalments (할부) through Kakao Pay and miss a payment, your card issuer's standard late payment terms apply, which can include late fees and interest charges set by that issuer rather than by Kakao Pay. Missed payments on a credit card can also be reported to credit reference agencies and may affect your credit standing. Because Kakao Pay itself does not publish a standard late fee or basket limit for instalments, the consequences depend entirely on your card issuer's terms, so review your card agreement carefully before relying on instalments for a flight booking.

07Which countries can use Kakaopay to book flights on Laters.com?

Kakao Pay is offered on Laters.com for bookings made from South Korea (KR), where it functions as an immediate in-full wallet payment, with optional card instalments (할부) where your card issuer and the merchant allow it. Transactions settle in Korean won (KRW). If you're booking from outside South Korea, Kakao Pay may not appear as a payment option at checkout, so check the payment methods shown for your country on Laters.com before you book.

08Which Kakaopay option works best for an expensive long-haul flight?

Card instalments (할부) through Kakao Pay are the option designed for spreading a larger fare over several months, since they let you use a registered credit card's instalment plan rather than paying the full amount immediately. The number of months, any interest-free promotion and the instalment fee are all set by your card issuer, not by Kakao Pay, so a long-haul fare's total cost under instalments depends on your specific card agreement. For a smaller or short-haul fare, the pay-now wallet option, charged in full at checkout, may be simpler.

09Does using Kakaopay affect my credit score?

Not when you pay through the pay-now wallet, since that draws from your Pay Money balance, bank account or card without creating a new credit obligation of its own. Card instalments (할부) are different: they run through your existing credit card, so how they affect your credit standing follows your card issuer's normal rules for instalment purchases and any missed payments. If you're relying on instalments for a flight booking, ask your card issuer directly how instalment use and repayment history are reported.

10What happens to my Kakaopay repayments if my flight is cancelled or refunded?

It depends on which Kakao Pay option you used. If you paid in full through the wallet, a refund would return to your Pay Money balance, linked bank account or card in line with the airline's and Laters.com's refund policy. If you used card instalments (할부), the refund process runs through your card issuer, who manages how remaining instalments or refunded amounts are adjusted on your card statement. Check with Laters.com and your card issuer directly for how a specific cancellation will be handled.

11Can I use Kakaopay for international or multi-stop flight bookings?

Yes. Kakao Pay applies to the fare total at checkout rather than to the route itself, so international and multi-stop itineraries can be paid for the same way as a simple one-way ticket. What decides which Kakao Pay options you see, the pay-now wallet or card instalments (할부), is the country you're booking from on Laters.com, not the destinations or number of stops on your itinerary. Currently this means bookings made from South Korea, where transactions settle in Korean won.

12Is a Kakaopay card instalment plan really free to use?

Not automatically. Whether an instalment plan (할부) carries no interest depends entirely on a promotion set by your card issuer, since Kakao Pay's own help centre notes that the number of months, any interest-free offer and the instalment fee are determined by the issuing card company and the merchant, not by Kakao Pay. Some cards may offer interest-free instalments for a period, while others charge fees or interest from the start. Confirm your specific card's instalment terms with your issuer before booking.

13Do I still earn airline miles or status points when paying with Kakaopay?

Airline loyalty programmes generally credit miles and tier points based on the fare and airline you book, not the payment method you use at checkout, so paying with Kakao Pay's pay-now wallet or card instalments (할부) shouldn't change what you earn. That said, mileage-earning credit cards may have their own rules about instalment purchases affecting rewards categorisation. Check both the airline's frequent flyer terms and your card issuer's rewards policy if you're counting on points from a specific booking.

14Can I book a business class or premium cabin flight with Kakaopay?

Yes, Kakao Pay can be used for premium cabin and business class fares on Laters.com the same way it's used for economy tickets, since the payment method applies to whatever fare total you select at checkout. For a larger premium fare, card instalments (할부) may help spread the cost, though the number of months, any interest-free period and the instalment fee are set by your card issuer rather than Kakao Pay. The pay-now wallet option remains available too, charging the full premium fare immediately.

15Can I change or cancel a flight booked with Kakaopay?

Changing or cancelling a Kakao Pay booking follows the same airline fare rules and Laters.com policies as any other payment method, since Kakao Pay itself doesn't set change or cancellation terms for flights. If you paid through the pay-now wallet, any refund due would return to your Pay Money balance, bank account or card. If you used card instalments (할부), your card issuer handles how a cancellation adjusts your remaining instalments. Review the fare conditions on Laters.com before booking if flexibility matters to you.

16Is it safe to pay for flights with Kakaopay on Laters.com?

Kakao Pay is built as a digital wallet where you authenticate through the KakaoTalk app, and your Pay Money balance, linked bank account or registered card details are held within Kakao Pay's own systems rather than shared directly with every merchant you pay. When you choose card instalments (할부), your card details and instalment terms are managed between you and your card issuer. As with any payment method, only enter your Kakao Pay credentials through the official app or a verified checkout on Laters.com.

About Kakaopay and Laters.com

Who is Kakaopay?

Who is Kakaopay?

Kakaopay is South Korea's dominant mobile wallet, the payment layer built into the KakaoTalk app that most of the country already uses to chat. It grew out of a simple send-money feature into a full financial platform covering payments, insurance, investing and credit, and flight bookings now sit alongside bill splitting and QR payments as one more everyday use of the wallet.

The company was founded in Seoul in 2014 as a business unit within Kakao Corp, the messaging giant behind KakaoTalk, before spinning out as its own entity. It operates as a licensed payments and financial services provider in South Korea and is publicly listed on the Korea Exchange, a step that itself followed a bumpy path: a large early shareholder sell-off shortly after its stock market debut drew public criticism and knocked investor confidence, and Kakaopay has since worked to rebuild trust through expanded services and tighter disclosure. Treat any detail about its current structure as a starting point rather than the final word, and check Kakaopay's own site for what applies today. Whichever plan you pick, only commit to a payment schedule you're confident you can keep up with.

Booking with Kakaopay on Laters.com

Search your route on Laters.com, choose Kakaopay at checkout, and pick a plan: Kakao Pay (Pay Now), which takes the full fare immediately from your KakaoTalk wallet balance, linked bank account or registered card, or card instalments (할부), where a credit card registered in Kakao Pay is billed monthly. Pay Now carries no separate financing charge since it's a single immediate payment, while instalments depend on your card issuer for the interest-free window, fee and term, and any card-based plan involves your issuer's own credit check and approval.

Laters.com is the merchant of record for this booking and issues the ticket; Kakaopay is the payment method and, where instalments are used, the credit provider, not the airline or the seller of the flight. What paying this way costs here is the same as paying by card: no payment surcharge and no booking fee is added for choosing Kakaopay. You don't need a separate credit card in hand to book, since Kakaopay settles the fare with the airline on your behalf, and any instalment repayments go to Kakaopay or your card issuer rather than 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.

How pay-later flight bookings work

A flight booking and a repayment plan run on different schedules. Our guide explains the practical questions to consider before splitting a fare.

  • What changes when you pay for a flight in instalments
  • How to compare the total cost and repayment dates
  • Why a flight change or refund does not automatically end the payment plan
  • How a worked example divides a fare into payments
Kakaopay is a credit product

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. 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.

Rated 4.8 on Google

What Travellers Say

Real reviews from real customers who booked flights with Laters.com.

Deal alerts

Never Miss a Kakaopay Flight Deal

Kakaopay flight deals, BNPL promotions and flash sales, straight to your inbox.