Book Paynow Flights

Yes. On Laters.com you can pay for a flight with Paynow, which settles the fare in full at checkout by scanning an SGQR or PayNow QR code from your bank or e-wallet app. This is a real-time account-to-account transfer rather than a credit or instalment plan, so there is no splitting the fare into later payments, no deferral and no APR. It suits travellers who want funds to leave their account straight away rather than spread the cost over time.

All of them on Laters.com. Paynow is a payment method built into our checkout rather than a scheme individual airlines switch on or off, so every airline we sell can be paid for this way. You choose your flight first and select Paynow at the payment step, the same as you would with a card. No airline is excluded and no separate sign-up with the carrier is needed.

No. Laters.com adds no payment surcharge and no booking fee for using Paynow, so the fare you see is the same one you would pay by card. Because Paynow settles funds immediately as a bank transfer rather than extending credit, there is no late fee to worry about and no interest-bearing plan attached to it, unlike instalment-style BNPL options. You simply pay the ticket price in full through your bank or e-wallet app.

Your e-ticket is issued once the payment is confirmed. Because PayNow settles on FAST rails and funds move in real time, confirmation from your bank typically comes through very fast, and Laters.com generates the e-ticket as soon as that confirmation is received. There's no instalment approval step to wait on, since PayNow is a direct transfer rather than a credit product. Keep an eye on your email and your Laters.com account for the ticket and booking reference.

No. Paynow does not extend credit, so no credit check is run when you use it to pay for a flight on Laters.com. It works as a real-time transfer of your own funds from your bank account, verified through your bank's or e-wallet's own authentication rather than any lender's affordability assessment. Because no borrowing is involved, there is nothing to repay later and no risk of a missed-payment mark against your name from this method specifically. For current details on how PayNow works, see the provider entry on Wikipedia.

It simply won't confirm the booking. Because Paynow is a same-time bank transfer rather than a credit plan, there is no instalment schedule to miss and no late fee attached to the method itself, so a failed transfer typically just means the payment did not settle and the booking will not be ticketed. You would need to retry the payment or choose another method to complete checkout. If you're unsure why a transfer didn't go through, check with your bank or e-wallet provider, since limits are set at that level rather than by Laters.com.

Singapore is the market where Paynow is available on Laters.com. It's offered there simply as PayNow, an instant QR-code bank transfer processed and settled in Singapore dollars for customers based in Singapore. Outside Singapore, Paynow is not a payment option at our checkout, so travellers booking from other countries will see different payment methods depending on where they are. Always check the payment options shown at checkout for your specific location.

For a long-haul or higher-cost fare, an instalment or deferred-payment plan is usually more useful than Paynow, since Paynow settles the full amount from your bank account immediately rather than spreading the cost. Paynow has no built-in splitting, deferral or minimum and maximum basket range of its own, as per-transaction ceilings are instead set by each participating bank. If spreading a large fare over time matters to you, compare the instalment-style plans available on Laters.com in your market, bearing in mind those plans can carry a credit check and, in some cases, an APR.

Not when you pay this way, no. Paynow is a real-time bank transfer, not a loan or instalment plan, so it does not involve a credit check and there's no repayment history for it to report to credit reference agencies. This differs from instalment or deferred-payment BNPL plans, where missed payments can be reported and can affect your credit standing. If you switch to a credit-based plan for a flight instead of Paynow, read the terms for that specific plan carefully before booking.

Because Paynow settles the fare in full at the time of booking, a refund is returned to the original bank account used for the transfer once the airline or Laters.com processes it. There's no outstanding instalment balance to adjust, since no credit was extended in the first place. Refund timing depends on the airline's fare rules and Laters.com's cancellation policy rather than on the payment method itself. Check your booking confirmation for the specific refund conditions attached to your fare.

Yes. Paynow applies to the fare total you owe at checkout rather than to the route itself, so it works the same way whether you're booking a single domestic hop or a multi-stop international itinerary. What determines whether Paynow appears as an option is the country you're booking from, Singapore in this case, not where you're flying to or how many stops the trip has. If you're booking from outside Singapore, a different set of payment methods will show up instead.

Yes. Paynow works by scanning an SGQR or PayNow QR code from within your own bank or e-wallet app, so you need an existing account registered with a participating Singapore bank or e-wallet to use it at Laters.com checkout. There's no separate Paynow account to sign up for beyond that, since it's a payment scheme operated by the Association of Banks in Singapore rather than a standalone provider. If you don't have a linked account, you'll need to choose a different payment method at checkout.

Your bank or e-wallet app is where the transfer itself is tracked, since Paynow settles through your own account on FAST rails rather than through a separate repayment portal. On the Laters.com side, your booking confirmation and receipt show that the fare was paid in full via Paynow, with no ongoing instalments to manage because none exist for this method. If a payment doesn't appear to have gone through, check your banking app's transaction history first before contacting support.

Yes. Paynow is simply how you settle the fare at checkout, so any sale price or promotional fare shown by the airline on Laters.com applies the same way whether you pay by Paynow, card or another method. There's no surcharge added for choosing Paynow and no discount removed either, since it doesn't function as a discount mechanism, only as an instant bank transfer. The price you see before selecting your payment method is the price you pay.

Paynow transfers move directly between your bank account and the recipient over FAST rails operated by the Association of Banks in Singapore, so your account is authenticated within your own banking or e-wallet app rather than shared with Laters.com. Laters.com does not store your bank credentials for a Paynow transaction, since the QR-code scan and authorisation happen entirely on your bank's platform. As with any payment method, only complete the transfer from your official banking app and confirm the payment amount and recipient shown before authorising it.

Search for Fly Fairly Pte. Ltd., the company behind Laters.com, on the Singapore Tourism Board's public register at trust.stb.gov.sg. It holds travel agent licence TA04059, with its address at 105 Cecil Street, Singapore. The same check works for any travel seller you plan to pay by PayNow: licences are held by companies, and a website's name can differ from its company's, so search for the company named in the seller's terms.

Yes, on Laters.com. Select Paynow at checkout to pay the fare in full right away by instant Singapore bank transfer, or choose Zilch at the same checkout to split the fare into instalments instead. Either way the booking and e-ticket come from Laters.com, not from the airline directly.

On Laters.com, yes, if you choose a provider that defers payment. Paynow itself settles in full the moment you scan the QR code, so it is not a "pay later" option; for an actual delayed or split payment, choose Zilch at the same checkout.

On Laters.com: search your flight, choose your fare, then pick a pay-later provider such as Zilch at checkout to split the cost into instalments. Paynow, also on this page, is the opposite of fly-now-pay-later; it settles the full fare immediately via a Singapore bank transfer.

Yes; Laters.com lists several pay-later providers at checkout, including Zilch, alongside instant-settlement options like Paynow for Singapore-based travellers who would rather pay in full right away.

Yes. Laters.com's checkout includes pay-later providers such as Zilch for flight bookings, as well as Paynow for travellers who want to pay the full fare immediately by Singapore bank transfer instead.

Yes. Singapore-based travellers booking on Laters.com can choose Paynow, an instant SGD bank transfer with no credit involved, or a pay-later provider such as Zilch for an instalment plan, both at the same checkout.

Laters.com is built around this: every airline it sells can be paid for with a pay-later provider such as Zilch at checkout, alongside instant-settlement options like Paynow for Singapore-based travellers.

Any airline sold on Laters.com. Paynow and the other payment providers at our checkout are not tied to a specific airline; you pick your flight first, then choose how to pay, whichever carrier operates it.

Very few airlines build a pay-later option into their own checkout. Scoot is a known exception; it has offered Paynow directly since a 2019 tie-up with its payment partner UOB, but most major carriers, including Singapore Airlines, AirAsia, Jetstar Asia, Emirates, Qantas and Cathay Pacific, do not. Laters.com covers every airline it sells with the same checkout options regardless.

Not directly through Singapore Airlines' own site. Book through Laters.com instead and you can pay for a Singapore Airlines fare with Paynow (pay in full immediately) or a pay-later provider such as Zilch (instalments), the same as for any other airline we sell.

No airline runs its own monthly-payment plan through Paynow; Paynow itself is a single, instant, pay-in-full bank transfer with no instalments of any length. For a split-payment plan on Laters.com, choose a pay-later provider such as Zilch at checkout instead; check that provider's own plan page for its exact schedule.

Yes. PayNow is Singapore's own instant bank-transfer scheme, settling only in Singapore dollars from a Singapore bank or e-wallet account, so it is only available to Laters.com customers booking from Singapore.

Yes, as long as you hold a Singapore bank or e-wallet account that supports PayNow; nationality is not the requirement, having an SG-linked account is. Without a Singapore bank account, choose a different payment method at Laters.com checkout.