Yes, you can book flight tickets with ShopeePayLater (SPayLater) on Laters.com, on any airline we sell, and choose Pay Next Month or monthly instalments.
Over a million travelers a year
find flights on Laters.com
Edited by Adinda Irawan
Yes, ShopeePayLater Works on Any Airline on Laters.com
Yes, you can book flight tickets with ShopeePayLater (SPayLater) on Laters.com, on any airline we sell, and choose Pay Next Month or monthly instalments. SPayLater sets the plans, fees and approval for your market after a credit check, and Laters.com adds no booking fee or payment surcharge.
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.
Figures as published by ShopeePay, verified against ShopeePay’s country terms.
ShopeePayLater lets Southeast Asian travellers push a flight fare to the following month or split it across instalments over several tenures. Both options are credit arrangements, so a credit check is required and interest or fees may apply depending on the plan and market.
$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. Deferred single-payment option under 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. Instalment fees and tenures vary by market.
Six monthly payments. In Malaysia that is 1.5% per month, 9% in total. Instalment fees and tenures vary by market.
Twelve monthly payments. Offered in Malaysia, Indonesia and Singapore, and to selected users in the Philippines and Vietnam. Longer tenures offered in some markets; interest applies.
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.
SPayLater is live in six Southeast Asian markets, and each has its own provider, fees and tenures. The grid below is built from SPayLater's own published terms for each country, checked 24 September 2026. Each market's SPayLater account runs in its local currency: IDR, MYR, PHP, SGD, THB or VND. This guide lists instalment plans in 6 markets. This guide lists deferred payment in 6 markets. 6 currencies are listed in this guide.
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.
Supervised by Otoritas Jasa Keuangan (OJK). Pay Next Month is 0%; 3 months and longer from 1.95% per month depending on account level; late fee 5% of the overdue amount.
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.
Revolving credit; interest not exceeding 15% - 25% per year on a declining balance, shown before payment.
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.
Provided through partner banks as a virtual credit card. Tenures of 1, 2, 3, 6, 12, 18 and 24 periods, 12 to 24 for selected users; instalment conversion fee from 2.95% per period.
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.
Provided by Monee Capital Malaysia Sdn. Bhd.; BNPL is not regulated by Bank Negara Malaysia. 1 month no charge; 1.5% per month on 3 to 24 months for payments outside the Shopee app; late charge RM10 or the bill if lower.
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.
Offered by Monee (Credit) Philippines, Inc., regulated by the Securities and Exchange Commission. Processing fee 0-7%; interest up to 3.95% per month by credit profile; late fee 2.5-5% a month; 12 months for select users; ages 18-65.
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.
| What you get | Laters.com | Book direct with the airline |
|---|---|---|
| Flight search | Compare flights from 650+ airlines in one search before choosing how to pay. | Search one airline's own flights and partner itineraries. |
| 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. |
| 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. |
| 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. |
| Booking fees and surcharges | None. Laters.com charges no booking fee and no payment surcharge. | Set by each airline's own payment terms. |
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.
Our editorial rating, out of 10, for how well a buy now, pay later provider 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 →
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. 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.
SPayLater offers Pay Next Month and monthly instalments across six Southeast Asian markets. Pay Next Month costs nothing extra in Malaysia and Indonesia when paid on time; instalments carry a monthly fee everywhere, from 1.5% per month in Malaysia to up to 3.95% per month in the Philippines.
4 measures, scored the same way for every provider at our checkout.
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.
Sources: 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.
Sources: 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.
Sources: 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.
Sources: 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 | Upfront payment | Then | You pay in all | Cost of credit |
|---|---|---|---|---|
| Pay Next Month | Not specified | At checkout | At checkout | At checkout |
| Pay in 3 | Not specified | At checkout | At checkout | At checkout |
| Pay in 6 | Not specified | At checkout | At checkout | At checkout |
| Pay in 12 | Not specified | At checkout | At checkout | At checkout |
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.
Go First no longer flies; compare its old Indian domestic routes on IndiGo, Air India Express, Akasa Air, SpiceJet or Air India instead, with the same ShopeePay plan at checkout.
Compare Lion Air fares and included extras in our airline guide, then choose your SPayLater plan at checkout.
Compare VietJet Air fares and added extras in our airline guide, then choose your SPayLater plan at checkout.
ShopeePayLater and the providers below all sit inside the Laters.com checkout, so this is a choice between ways to pay for the same ticket. SPayLater publishes plans from Pay Next Month to instalments of up to 24 months in some markets, across Indonesia, Malaysia, the Philippines, Singapore, Thailand and Vietnam. If SPayLater isn't available to you, compare splitit for flights on Laters.com or the other providers that can spread the cost of your flight.
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.
US, UK and Australia
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.
US, UK, Germany, Sweden, Australia and Canada
Afterpay splits the fare into four payments, with eligibility and any late fees depending on your account history and on-time repayment.
US, Australia, New Zealand and Canada
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.
US and Australia
Tabby lets shoppers split a fare into instalments, though eligibility depends on a credit check and any missed payment can bring a fee.
UAE and Saudi Arabia
Kredivo offers an interest-free 30-day pay-later option in Indonesia alongside 3, 6 and 12-month instalment plans; the longer plans carry a monthly interest rate that varies by account tier, so confirm the current rate before you book.
Indonesia
Coverage varies by market; check each provider's own terms and Laters.com before you book. Sources checked 2026-10-23: each provider's own current terms page, cited per card above.
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 providersFees, refunds, credit checks and eligibility
Everything you need to know about paying for flights with ShopeePay on 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.
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.
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.
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.
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.
Yes. SPayLater is a regulated credit product wherever Laters.com offers it: Indonesia's SPayLater is supervised by Otoritas Jasa Keuangan (OJK); Singapore's is provided by Monee (Credit) Singapore under the SFA BNPL Code of Conduct; the Philippines' is offered by Monee (Credit) Philippines, Inc., regulated by the Securities and Exchange Commission. Every purchase still goes through ShopeePay's own eligibility and credit check at checkout, and a missed payment carries a market-specific late fee (for example RM10 in Malaysia, $5 in Singapore).
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.
Yes. SPayLater is a credit line you activate in the Shopee app, so you need a Shopee account with SPayLater activated, and enough available limit for the fare, before you choose it at the Laters.com checkout. In the Philippines, for example, you activate it under Me > SPayLater with a one-time code, a valid government ID and a face check. How to activate SPayLater, Shopee Philippines.
ShopeePayLater, shown in the Shopee app as SPayLater, is the buy now, pay later service inside Shopee, the Southeast Asian shopping app. ShopeePay is Shopee's separate e-wallet; this page is about SPayLater, the credit product. It grew out of everyday online shopping and now reaches bigger purchases, flights among them.
Each market has its own provider and rules. In Malaysia it is Monee Capital Malaysia Sdn. Bhd., and BNPL there is not regulated by Bank Negara Malaysia. In Singapore it is Monee (Credit) Singapore Private Limited, which follows the Singapore FinTech Association's BNPL Code of Conduct and is not regulated by the Monetary Authority of Singapore. In the Philippines it is Monee (Credit) Philippines, Inc., regulated by the Securities and Exchange Commission, and in Indonesia SPayLater is supervised by the OJK. Terms therefore differ by country, so check SPayLater's own terms for your market. Only borrow what you can comfortably repay on the agreed schedule.
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 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 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 ShopeePay’s 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.
Real reviews from real customers who booked flights with Laters.com.
ShopeePay flight deals, BNPL promotions and flash sales, straight to your inbox.
Facts on this page were checked against these sources between and ; figures are re-checked when their sources publish new data.
Edited by