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    4 seQura plan types✦650+ airlines available✦No hidden booking fees

    Book Sequra Flights

    Choose Plazos sin coste, 3 interest-free instalments, or defer the fare 30 days, subject to approval and a credit check. No booking fees or payment surcharges from Laters.

    Reviewed by the Laters.com payments teamUpdated 12 August 2026

    Sequra flights

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

    Yes. You can use Sequra to book flights and buy plane tickets for any airline, any route, and any fare class when you book through Laters.com. Sequra is one of the payment methods built into our checkout, so you never leave our site to arrange it. There's no payment surcharge and no booking fee for choosing it over another payment method. It's still a credit product, so a plan may carry interest and approval isn't guaranteed.

    Most airlines don't offer Sequra at their own checkout. Delta, United and American in the US don't support it directly, and neither do British Airways, Lufthansa, Air France or Norwegian across the UK, Germany and the Nordics. Booking through Laters.com is what makes Sequra usable on any of them: you select Sequra at checkout, pick a plan that fits your budget, and the e-ticket is issued once payment is confirmed.

    Depending on your market, you may see the interest-free three-payment plan, the pay-later-within-a-week option, the thirty-day deferred payment, or longer monthly financing stretching well beyond that, all subject to approval and open only to travellers who are 18 or over. That range covers everything from a long-haul business-class ticket to a short domestic hop. Card is also accepted at our checkout if you want to compare the two.

    Sequra flights on Laters.com: key facts

    Countries with Sequra checkout
    4
    Plan types published
    Up to 4
    APR on short-term plans
    0%

    Figures as published by Sequra, verified 12 August 2026 against Sequra’s country terms.

    Sequra plans by country

    Sequra Flight Booking: Available Countries

    Sequra checkout on Laters.com centres on southern and western Europe, with coverage across Spain, Italy, Portugal and France. No total-markets figure for Sequra's own footprint was supplied here, so we won't guess at how our coverage compares to the provider's wider business, only note what's on offer through Laters.com. Book a fare in EUR and it settles in your local currency rather than being converted at checkout, whichever of these four countries you're flying from. 4 markets offer interest-free instalments. 3 markets offer a 30-day deferral. 4 markets offer longer monthly financing.

    Spain

    seQura's Spanish site advertises 'Plazos sin coste' (3 equal monthly payments), 'Recíbelo primero' (pay within 7 days of delivery) and 'Plazos más largos' of up to 18 months, settled in euros.

    Plazos sin coste (Divide en 3)Recíbelo primeroPlazos más largos

    Plans as published by Sequra for Spain (ES), verified 12 August 2026.

    Italy

    The Italian site lists 'Rate senza costi' (3 monthly payments), 'Ricevilo prima' (pay within 7 days), 'Pagamenti posticipati' (pay in 30 days) and 'Rate più lunghe' up to 18 months, in euros.

    Plazos sin coste (Divide en 3)Recíbelo primeroPago diferido (30 días)Plazos más largos

    Plans as published by Sequra for Italy (IT), verified 12 August 2026.

    Portugal

    The Portuguese site lists 'Prazos gratuitos' (3 monthly payments), 'Receba primeiro' (pay in 7 days), 'Pagamento diferido' (pay in 30 days) and 'Prestações mais longas' up to 18 months, in euros.

    Plazos sin coste (Divide en 3)Recíbelo primeroPago diferido (30 días)Plazos más largos

    Plans as published by Sequra for Portugal (PT), verified 12 August 2026.

    France

    The French site lists 'Paiements sans frais' (3 mensualités), 'Recevez-le d'abord' (pay within 7 days), 'Paiements différés' (pay in 30 days) and instalments up to 18 months, in euros.

    Plazos sin coste (Divide en 3)Recíbelo primeroPago diferido (30 días)Plazos más largos

    Plans as published by Sequra for France (FR), verified 12 August 2026.

    The short-term, no-cost instalment plan goes by different names depending on where you're booking: it's "Plazos sin coste" in Spain, and "Rate senza costi", "Prazos gratuitos" or "Paiements sans frais" in Italy, Portugal and France respectively. Paid on time, it's charged in equal instalments starting at checkout with no interest, though approval isn't guaranteed and the longer financing option runs on interest instead. Limits and rates differ by country and are shown by Sequra at checkout, so check the details for your market before you book.

    Compare pay-later options

    More Ways to Pay Later for Flights

    Sequra and card both sit right here at the Laters.com checkout, so this isn't a hunt for some other site that takes Sequra. It's a straight choice between two ways to pay for the same ticket. Sequra publishes up to four plan types out of Spain, including a fee-free three-payment split and financing stretched over as long as 18 months, while a compare card for flights on Laters.com purchase settles the fare in full at booking with no instalment structure at all. If Sequra isn't available where you are, these are the other providers that can spread the cost of your flight.

    Klarna

    Pay in instalments or pay in full

    Klarna offers short-term split-pay plans alongside longer financing, with approval and any applicable interest depending on the plan and a credit check that may apply.

    Coverage varies by country; check Klarna's site for your market

    Afterpay

    Pay in 4 instalments
    Afterpay

    Afterpay splits the fare into four payments, subject to approval, and a missed instalment can bring a fee.

    Coverage varies by country; check Afterpay's site for your market

    Affirm

    Longer monthly financing
    Affirm

    Affirm spreads the cost over monthly payments arranged as a credit agreement, and some plans carry an APR based on a credit check.

    Coverage varies by country; check Affirm's site for your market

    Atome

    Pay in instalments
    Atome

    Atome splits the ticket price into scheduled instalments, with approval and a credit check that may apply before checkout completes.

    Coverage varies by country; check Atome's site for your market

    Tamara

    Pay in instalments or pay later

    Tamara offers split-payment and deferred-payment options, subject to approval, and a missed payment can bring a fee under the plan's terms.

    Coverage varies by country; check Tamara's site for your market

    Zip

    Pay in instalments
    Zip

    Zip breaks the fare into scheduled instalments, with approval and a credit check that may apply depending on the plan chosen.

    Coverage varies by country; check Zip's site for your market

    40+ProvidersEvery fly now pay later providerSequra is one of more than forty buy now, pay later providers we score on how well they actually work when you are booking a flight.Compare fly now pay later providers→
    Sequra plans explained

    Split Your Flight, Pay Over Time with Sequra

    Sequra lets you divide a fare into a few equal monthly payments, take delivery first and settle within a week, push the full amount out by 30 days, or stretch a larger booking across longer monthly instalments. Some of these are credit agreements: a check applies, and certain plans carry interest set once Sequra reviews your application.

    Your flight

    $500

    ⭐Most popular

    Plazos sin coste (Divide en 3)

    Per instalment
    $166.67monthly, 3 times
    Due today
    $166.67if approved
    Total you pay
    $500.00no interest

    0% APR · 2 months

    Plazos sin coste splits your fare into three equal monthly payments, with the first taken at checkout. It's interest-free when you keep to the schedule, though a credit check applies and Sequra sets approval based on that check. seQura's Spanish representative example: €120 purchase, 2-month duration, 3 monthly instalments of €40 (first on signing), 0% TIN, 0% TAE, total €120, no fees; Spain residents 18+ and subject to seQura approval. Marketed in IT/PT/FR as 'Rate senza costi' / 'Prazos gratuitos' / 'Paiements sans frais'.

    Recíbelo primero

    Payments
    $500.00due in 7 days
    Due today
    Nothingif approved
    Total you pay
    $500.00no interest

    Recíbelo primero issues your ticket first and gives you a week to pay the full fare. No credit is involved here; you're simply given a short window to settle after booking. Described on seQura's ES/IT/PT/FR sites as buy, receive first and pay it within 7 days. No fee or limit figures published on the pages reviewed.

    Pago diferido (30 días)

    Payments
    $500.00due in 30 days
    Due today
    Nothingif approved
    Total you pay
    $500.00no interest

    Pago diferido lets you book now and pay the whole fare thirty days later. It costs nothing extra if you pay by the deadline, but a late payment can bring a fee, so check the terms for your market before you rely on it. Listed as 'Pagamenti posticipati' (IT), 'Pagamento diferido' (PT) and 'Paiements différés' (FR) on seQura's country homepages; not shown as a consumer option on the Spanish homepage payment-type list.

    Plazos más largos

    Payments
    $500.00monthly
    Due today
    Nothingif approved
    Total you pay
    $500.00no interest

    18 months

    Plazos más largos spreads a bigger booking over longer monthly instalments. This is a financed credit agreement with its own approval check, and the cost is built into the instalments Sequra offers you rather than a flat rate published upfront. seQura's country homepages advertise paying in up to 18 months (store-listing pages are split into 'Hasta 12 meses' and 'Hasta 18 meses'). Cost is set per credit agreement (a financed opening commission spread across instalments), so no APR figure is published generically.

    The three-payment plan is marketed as "Plazos sin coste" in Spain and under equivalent short-term names elsewhere in Europe; the deferred and longer-instalment plans also carry country-specific names, with availability and wording varying by market. Check the country grid below for what applies where.

    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.

    Independently scored, no paid placement

    Laters.com Payment Score: Sequra

    What is the Laters.com Payment Score?

    Our editorial rating, out of 10, for how well a buy now, pay later provider actually works when you are booking a flight.

    1. 1Repayment Flexibility
    2. 2Interest Rate
    3. 3Eligibility
    4. 4Approval Process

    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 →

    This score is based on seQura's published plan terms and representative examples, country-page eligibility criteria for flight-style purchases, and independent research into how each plan is marketed across markets. No brand pays to be rated on Laters.com. Last reviewed August 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.

    payment sequra score

    7.8/10

    Laters.com Payment Score

    Repayment Flexibility
    8
    Interest Rate
    9
    Eligibility
    7
    Approval Process
    7

    Sequra spreads a fare across four shapes: three-payment "Plazos sin coste" at 0% TAE, a seven-day "Recíbelo primero", a 30-day deferral, and financing up to 18 months. Spain sees three of the four; Italy, Portugal and France get all four, priced in euros.

    What works well

    • 3 monthly instalments at 0% TIN and 0% TAE on Spain's example
    • Financing stretches repayment up to 18 months
    • Available across 4 European markets: ES, IT, PT, FR

    What to watch

    • Spain's site omits the 30-day deferral plan
    • Financing's opening commission cost isn't published generically
    • Plazos sin coste still needs seQura approval
    • Age 18+ required on Spain's example

    4 measures, scored the same way for every provider at our checkout.

    Repayment Flexibility8/10

    Four shapes: 3-payment Plazos sin coste, 7-day Recíbelo primero, 30-day deferral, and financing to 18 months. Spain lacks the 30-day plan, so its full range is three shapes, not four.

    Interest Rate9/10

    Plazos sin coste publishes 0% TIN and 0% TAE on its Spanish example, no fee substitute noted. Financing to 18 months carries a per-agreement opening commission with no generic APR published, so its cost is unclear upfront.

    Eligibility7/10

    Covers four European markets (ES, IT, PT, FR) with the same core plans in each, but Spain's homepage omits the 30-day deferral shown elsewhere, so coverage varies by country.

    Approval Process7/10

    Plazos sin coste is approved and signed at checkout, but Spain's own example notes it remains subject to seQura approval and residents must be 18+, so a check still gates the 0% plan.

    The editorial take

    Strongest on
    Interest rate: Plazos sin coste publishes 0% TIN and 0% TAE on Spain's representative example, with no fee filling the gap.
    Held back by
    Financing up to 18 months carries a per-agreement opening commission with no generic rate published, so travellers only see the real cost once seQura assesses their application.
    Which plan
    Plazos sin coste for a fare to clear in 2 months. Plazos más largos for a higher fare spread to 18 months.

    This table prices one fare across Sequra's plans so you can compare them side by side. The fare itself doesn't change: Laters.com adds no booking fee or surcharge for choosing to pay this way. Rates and plan availability shown here are set for Spain.

    PlanDue todayThenYou pay in allCost of credit
    Plazos sin coste (Divide en 3)2 months at 0% APR$333.33$333.33 monthly, 2 times$1,000.00Nothing
    Recíbelo primeroNothing$1,000.00 due in 7 days$1,000.00Nothing
    Pago diferido (30 días)Nothing$1,000.00 due in 30 days$1,000.00Nothing
    Plazos más largosNothing$1,000.00 monthly$1,000.00Nothing

    What else can cost you

    Plazos sin coste fee
    Spain's representative example shows 0% TIN, 0% TAE and no fees on the 3-payment plan.
    Financing opening commission
    Cost for plans up to 18 months is set per credit agreement, so no generic figure is published.
    Missed or late payment
    No late fee figure is published on the pages reviewed; confirm current terms on Sequra's own site.
    Refunded flight
    How a cancelled or refunded fare affects an open instalment plan isn't published; check with Sequra before booking.
    Currency conversion
    Plans across Spain, Italy, Portugal and France are settled in euros, so conversion costs depend on your card issuer, not Sequra.

    This table is an illustration, not a quote. What you're actually offered depends on your market and on Sequra's approval decision, so figures can differ at checkout. Every provider on Laters.com is costed on the same rows so you can compare them fairly.

    Where Sequra leads

    • 3 monthly instalments at 0% TIN and 0% TAE on Spain's example
    • Financing stretches repayment up to 18 months
    • Available across 4 European markets: ES, IT, PT, FR

    Before you apply

    1. Plazos sin coste (3 payments) is a credit product: Spain's example states it needs seQura approval and applies to residents 18+.
    2. The 30-day deferral and 7-day 'Recíbelo primero' plans list no published fee or interest figures, so treat them as pay-later timing options and confirm cost terms on seQura's own site before booking.
    3. Which plans you see depends on your country: Spain's homepage lists three plans while Italy, Portugal and France list four.
    4. Age and residency rules can vary by market, so check seQura's site for the exact threshold where you're booking.
    40+ScoredFly now pay later provider scoresSequra is scored on the same measures as every other buy now, pay later provider we rate for booking flights.See all provider scores→
    From search to e-ticket

    How to Book Flights with Sequra on Laters

    The same 4 steps apply on every airline and every route on Laters.com.

    1. 1

      Search and book

      Search flights and book at the price shown that day. Laters.com is the travel agent selling your ticket, and you fly as the airline's own passenger, with a confirmed booking from the start.

    2. 2

      Choose Sequra

      Select Sequra on the payment screen and choose a plan. Sequra reviews your details and gives its decision at checkout, so approval is not guaranteed.

    3. 3

      Pay over time

      Repay in monthly instalments, a deferred balance, or longer monthly repayment, whichever plan you chose at checkout. Some plans carry interest and a credit check applies, and repayment is made to Sequra directly, managed in Sequra's own app or website, not by Laters.com.

    4. 4

      Let’s fly

      Your e-ticket is sent by email once payment is confirmed. It is tied to your confirmed booking, not to the final payment. You fly on schedule while the plan is still running.

    Laters.com vs booking direct

    Why Book Your Sequra Flights on Laters.com?

    Most airlines don't offer Sequra at their own checkout, and the few that do each set their own rules. On Laters.com, Sequra sits inside one checkout that covers every airline we sell, so the plans you get don't depend on who operates the flight.

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

    Whichever airline flies the route and whichever Sequra plan gets approved, the booking is with Laters.com. That means one place to go if a date needs changing or a refund is owed, rather than chasing the airline and the credit provider separately. Sequra is still credit, and any plan with interest or a credit check works the same way no matter which airline you fly.

    Fees, refunds, credit checks and eligibility

    FAQs: Using Sequra to Book Flights

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

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

    Yes. Laters.com lets travellers in supported markets choose Sequra at checkout, with options such as Plazos sin coste (three interest-free monthly payments) in Spain, or Recibelo primero and longer financing plans of up to 18 months in other markets. Which plans appear depends on the country you are booking from, and approval is never guaranteed since Sequra runs a credit check on every application. Confirm current terms on Sequra's own site before booking.

    02Which airlines can I pay for with Sequra?

    All of them on Laters.com. Sequra sits at our checkout as a payment method rather than something each airline switches on individually, so any flight you can book through Laters.com can be paid for with a Sequra plan, subject to approval and a credit check. We do not restrict Sequra to specific carriers or routes. Availability of a particular plan, such as Plazos sin coste or the longer financing option, still depends on the country you are booking from.

    03Does Sequra add extra fees to the flight price on Laters.com?

    No. Laters.com does not add a payment surcharge or a booking fee for choosing Sequra, so the fare shown is the same as paying by card. That said, this is still a credit product: some plans, like the longer financing option running up to 18 months, carry a cost set per credit agreement, and a late fee applies if a payment is missed. Always check the exact instalment schedule and any charges before confirming.

    04How soon do I get my e-ticket when paying with Sequra?

    Your e-ticket is issued once Sequra approves your payment plan and the first instalment, or the full amount on a pay-in-30 plan, clears. Approval depends on a credit check, so timing can vary between applicants and is never guaranteed. Once approval comes through, the ticket is confirmed the same way as any other payment method on Laters.com. If a plan is declined, no ticket is issued and you will need to choose another payment option.

    05Is there a credit check when using Sequra for flights?

    Yes. Sequra runs a credit check as part of approving any plan, whether it is the three-payment Plazos sin coste option, the seven-day Recibelo primero, or the longer financing running up to 18 months. This means approval is never guaranteed and your financial history can affect the outcome. Because this is a credit product, only apply for a plan you are confident you can repay on schedule. Sequra's own site sets out exactly how its checks work in each country.

    06What happens if I miss a Sequra payment on a flight booking?

    Missing a payment can trigger a late fee and put the rest of your instalment schedule at risk, whether you are on the three-payment Plazos sin coste plan or a longer financing term of up to 18 months. Missed payments may also be reported to credit reference agencies, which can affect your credit standing and make future credit, including BNPL, harder to obtain. If you think you will miss a payment, contact Sequra directly as soon as possible. Treat every instalment date as a real deadline, not a suggestion.

    07Which countries can I use Sequra from on Laters.com?

    Sequra is available to travellers booking from Spain, Italy, Portugal and France on Laters.com, all settled in euros. Spain gets Plazos sin coste, Recibelo primero and the longer financing plan, while Italy, Portugal and France add a fourth option, a 30-day deferred payment plan, alongside those same three. Every plan is still subject to a credit check and approval is not guaranteed. Confirm your own eligibility on Sequra's site, since it can vary by market.

    08Which Sequra plan works best for an expensive long-haul fare?

    The longer financing plan, which spreads a purchase over monthly instalments running up to 18 months, is built for bigger costs like a long-haul or multi-passenger fare. It carries a cost set per individual credit agreement rather than a single published rate, so the exact charge depends on your approved terms. A credit check applies, and approval is not guaranteed, so review the schedule Sequra offers you before confirming. For a smaller fare, the three-payment Plazos sin coste plan may suit better.

    09Will using Sequra for a flight affect my credit score?

    It can. Sequra performs a credit check when you apply for any plan, and how that check is recorded depends on the type used and your local credit bureau. Not when you pay on time and in full, in most cases, but missed or late payments may be reported to credit reference agencies and can lower your credit standing. Because the impact varies by market and plan, check Sequra's own terms for the specifics that apply to your country.

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

    Refund handling depends on the airline's fare rules and how far along your Sequra repayment schedule is when the cancellation happens. In general, a confirmed refund is applied back through Sequra, which can pause or adjust remaining instalments on plans like Plazos sin coste or the longer financing option, but timing is not guaranteed and some processing delay is normal. Continue paying any instalment that falls due before the refund is confirmed, since missing it can still trigger a late fee. Contact Sequra directly to track a specific refund against your schedule.

    11Does Sequra work for international and multi-stop flight itineraries?

    Yes. A Sequra plan applies to the total fare you are charged, not to the specific route or number of stops, so multi-stop and international itineraries are treated the same as a simple one-way booking. What actually decides which plans you see, such as the 30-day deferred option available in Italy, Portugal and France but not on Spain's consumer plan list, is the country you are booking from rather than where you are flying to. A credit check still applies regardless of itinerary complexity. Check Sequra's site for the plans live in your booking country.

    12Is a Sequra pay-in-30 flight booking really free of cost?

    Not when you look past the headline. The pay-in-30 plan, listed as Pagamenti posticipati in Italy, Pagamento diferido in Portugal and Paiements differes in France, lets you buy today and pay the full amount in 30 days, but it is not offered on Spain's consumer homepage and no fee figures are published for it beyond that window. Miss the 30-day deadline and a late fee can apply, alongside the usual credit check tied to every Sequra plan. Always confirm the current terms on Sequra's site before relying on the full deferral period.

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

    Loyalty accrual is set by the airline's own program, not by the payment method used at checkout, so booking with a Sequra plan such as Plazos sin coste generally does not block you from earning miles or tier points on an eligible fare. Confirm with the specific airline whether your fare class qualifies, since some discounted or restricted tickets exclude mileage earning regardless of payment method. This is separate from Sequra's own credit check and approval process, which still applies to any plan you choose. Check the airline's loyalty terms before booking if points are the priority.

    14Can I book a business class or premium cabin flight using Sequra?

    Yes, premium cabin fares can generally be booked through Laters.com using a Sequra plan, though the higher cost of business class makes the longer financing option, running up to 18 months, a more practical fit than a short three-payment plan. Every application still goes through a credit check, and approval for a larger amount is not guaranteed. Because premium fares raise the total credit being extended, review the instalment schedule carefully before confirming. Sequra's site can confirm whether any plan-specific considerations apply to higher-value purchases.

    Rated 4.8 on Google

    What Travellers Say

    Real reviews from real travellers who booked their flights through Laters.com, sharing how their trip planning went.

    4.8/5 on Google Reviews
    About Sequra and Laters.com

    Booking Flights with Sequra Buy Now Pay Later

    Who is Sequra?

    Sequra is a Spanish buy now pay later provider that started in online retail and now stretches across shops, services and travel in several European markets. It grew out of point-of-sale checkout buttons in Spain, Italy, Portugal and France, and flights are one of the newer categories sitting alongside the fashion, electronics and home goods it built its name on. Within that spread, the plans available to a traveller depend on which country site they book from, so the options at checkout are never identical everywhere.

    Sequra was founded in Barcelona and has operated for over a decade as a licensed consumer credit provider in Spain, a status that lets it offer instalment and deferred payment plans under national lending rules rather than as an unregulated add-on. It has raised capital from international investors as it expanded into Italy, Portugal and France, and like most lenders that scale across borders, its country-by-country rollout has not been uniform: some plans advertised on one national site are absent from another, which is worth checking before you assume a plan travels with you across the border. For the current legal entity, licensing detail and terms in your country, seQura's own site is the reference point, not this page. Borrow only what you're confident you can repay on schedule, whichever plan you pick.

    Booking with Sequra on Laters.com

    Search your route on Laters.com, choose Sequra at checkout, and pick a plan. Depending on your country you may see options such as Plazos sin coste (three interest-free monthly payments), Recíbelo primero (pay within 7 days), Pago diferido (pay the full amount in 30 days) or Plazos más largos (longer monthly instalments over up to 18 months). Some of these carry no interest when paid on time; others, particularly the longer financing option, are subject to a credit agreement, an opening cost spread across instalments, and Sequra's own approval and credit check. Your e-ticket is issued once that approval comes through, not before.

    Laters.com is the merchant for this booking and issues the ticket. Sequra is the payment method and the credit provider, not the seller of the flight. There's no payment surcharge and no booking fee for choosing Sequra over a card, so the fare itself doesn't change. You don't need a credit card to book this way: Sequra settles the fare with the airline on your behalf, and your repayments go to Sequra under the plan you picked, 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.

    How pay-later credit works behind an airline checkout

    Four questions sit behind the Sequra button at any airline checkout. Our full guide answers them.

    • How BNPL underwriting reaches a decision in the seconds after you choose Sequra
    • How an airline ticket settles through IATA’s BSP and ARC
    • What a pay-later booking costs the merchant, and who carries the risk
    • How the UK, EU, US and Australian rules treat deferred-payment credit

    Read the guide →

    Regulatory summaries are general and change over time; they are not legal advice, so confirm current requirements with the relevant regulator or a qualified adviser.

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    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 August 2026.

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