6 Southeast Asian countries6 settlement currenciesUp to 4 plan types

Book ShopeePay Flights

Choose Pay Next Month or interest-free instalments on SPayLater's standard plans, with a credit check and approval required

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

Reviewed by the Laters.com payments teamUpdated 10 September 2026

ShopeePay flights

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

Yes, you can use ShopeePay to book flights and buy plane tickets for any airline, any route, and any fare class through Laters.com. ShopeePay is not something every airline offers at their own checkout, but that does not matter here: it is a payment method built into our checkout, so the airline's own limits do not apply. This is a credit product, and a credit check applies before approval, but there is no payment surcharge and no booking fee for choosing it over any other option.

Most airlines never offer ShopeePay directly at their own booking desks, which is exactly why booking through Laters.com matters. American Airlines, Delta, and United in the US, and British Airways, Lufthansa, and Finnair across the UK, Germany and the Nordics, all sit outside ShopeePayLater's native checkout, along with Qantas in Australia. Book any of them through us instead: select ShopeePay at the Laters.com checkout, pick a plan that fits the budget, and the e-ticket is issued once payment is confirmed.

ShopeePayLater's deferred Pay Next Month option and its instalment plans running from three up to twelve payments are available across the Southeast Asian markets we support, subject to approval and open only to travellers aged 18 and over. That range covers a long-haul business fare and a short domestic hop alike, though some longer instalment tenures carry interest and availability varies by market, so it is worth checking the country grid below. Splitit is also accepted at our checkout, for anyone weighing up the two.

Search flights and compare fares
Choose ShopeePay at checkout and pick a plan
Fly now, pay the rest to ShopeePay on schedule

Payment plans explained

Pay Your Flight Over Time with ShopeePay

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.

Your ShopeePay fareUSD

$500

Pay Next Month

Payments: $500.00due next month
Due today: Not specifiedif approved
Total you pay: $500.00no interest

Deferred payment due the following month Deferred single-payment option under SPayLater.

Pay in 3

Per instalment: $166.67monthly, 3 times
Due today: Not specifiedin this example
Total you pay: $500.00no interest

Monthly installments Installment tenure availability varies by market.

Pay in 6

Per instalment: $83.33monthly, 6 times
Due today: Not specifiedif approved
Total you pay: $500.00no interest

Monthly installments Installment tenure availability varies by market.

Pay in 12

Per instalment: $41.67monthly, 12 times
Due today: Not specifiedif approved
Total you pay: $500.00no interest

Monthly installments Longer tenures offered in some markets; interest applies.

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.

ShopeePay plans by country

ShopeePay Flight Booking: Available Countries

ShopeePayLater's flight checkout reaches across Southeast Asia, concentrated in the region's biggest travel markets rather than spread thin worldwide. Since no total-market figure was supplied for ShopeePay's own footprint, we won't claim our grid matches or falls short of it, only that it's built from ShopeePay's own published country terms rather than our estimate. Settle a fare in IDR, THB or PHP and it's charged in your local currency rather than converted at checkout, the same principle that applies wherever ShopeePay is listed below. This guide lists instalment plans in 5 markets. This guide lists deferred payment in 5 markets.

The short-term instalment plan most travellers will meet is labelled Pay Next Month across the region, though in every listed market it also appears alongside Pay in 3 and, in most, Pay in 6. Repayment comes as instalments taken at purchase and at fixed intervals afterward, with no interest owed when paid on time, though approval isn't guaranteed, a credit check applies, and longer plans such as Pay in 12 carry interest. Limits and rates differ by country and are shown by ShopeePayLater at checkout, so confirm the details there before you book.

Laters.com vs booking direct

Why Book Your ShopeePay Flights on Laters.com?

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.

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

Independently scored, no paid placement

Laters.com Payment Score: ShopeePay

Cyan cartoon hand making a peace sign with black outline sticker style illustration

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.

1Repayment Flexibility
2Interest Rate
3Eligibility
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 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.

Four plan shapes sit under one SPayLater umbrella: a deferred Pay Next Month option, then Pay in 3, Pay in 6 and Pay in 12 instalments. Indonesia and Thailand see all four; Vietnam, Malaysia and the Philippines stop at Pay in 6. Interest applies once tenures stretch out, per the Pay in 12 note.

What works well

Four distinct plan shapes, from deferred to 12-month instalments
Full plan range (all four) live in both Indonesia and Thailand
Reaches five Southeast Asian markets in our availability records

What to watch

Singapore not listed among the five markets with confirmed plans
Vietnam, Malaysia and Philippines miss the Pay in 12 tenure
Longer instalment tenures carry interest, per plan notes
Licensed financing entity behind SPayLater in Indonesia

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

Repayment Flexibility8/10

Four shapes sit under SPayLater: Pay Next Month (deferred, 1 payment), Pay in 3, Pay in 6, and Pay in 12. All four appear only in Indonesia; Thailand matches that spread, but Vietnam, Malaysia and the Philippines stop at Pay in 6, so the 12-month tenure isn't universal.

Interest Rate8/10

Pay Next Month and the shorter instalment tenures carry no disclosed APR, while the note on Pay in 12 states interest applies on longer tenures. That split, cheap short plans, a priced long one, keeps this below a 9-10 band reserved for zero rate across the board.

Eligibility7/10

SPayLater reaches five markets in our records (ID, TH, VN, MY, PH) out of six countries listed overall, with Singapore absent from the availability table. Even within that five, only ID and TH get all four plans; VN, MY and PH lose Pay in 12.

Approval Process7/10

Every country note flags that installment tenures carry interest and fees, which points to a credit assessment rather than a pure checkout nod, and Indonesia's entry specifically ties SPayLater to a licensed financing entity. That regulatory layer is the deduction from a checkout-only decision.

The editorial take

Strongest on: Repayment flexibility, with four plan shapes from a one-month deferral through to 12-month instalments, though the full set only appears in Indonesia and Thailand.
Held back by: Country-by-country patchiness. Vietnam, Malaysia and the Philippines lose the longest tenure, and Singapore is absent from the plan-availability records altogether.
Which plan: Pay Next Month for a short-haul fare due soon. Pay in 12 for a bigger international fare, where offered.

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	Due today	Then	You pay in all	Cost of credit
Pay Next Month	Not specified	Not specified	$1,000.00	Nothing
Pay in 3	Not specified	Not specified	$1,000.00	Nothing
Pay in 6	Not specified	Not specified	$1,000.00	Nothing
Pay in 12	Not specified	Not specified	$1,000.00	Nothing

What else can cost you

Standard plan fee: Pay Next Month and shorter instalment tenures carry no disclosed interest, per ShopeePay's plan notes.
Late payment: Missing a due date triggers a fee on the outstanding balance; check ShopeePay's site for the current rate in your market.
Longer tenures: Pay in 12 is flagged as carrying interest, unlike the shorter SPayLater options.
Refunded flights: How a cancelled or refunded fare unwinds an active instalment plan depends on ShopeePays own policy; confirm before booking.
Currency conversion: Plans run in local currency by market (IDR, THB, VND, MYR, PHP); paying in a different currency may add a conversion cost.

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.

Where ShopeePay leads

Four distinct plan shapes, from deferred to 12-month instalments
Full plan range (all four) live in both Indonesia and Thailand
Reaches five Southeast Asian markets in our availability records

Before you apply

Plan availability is uneven: all four SPayLater options appear in Indonesia and Thailand, but Vietnam, Malaysia and the Philippines are limited to three.
Longer instalment tenures, including Pay in 12, are described as carrying interest, so the cost differs by which plan and country you land in.
Country notes reference local licensing for SPayLater, which suggests a credit assessment sits behind approval rather than a check-free decision.
Age and residency rules vary by market. Confirm the specifics for your country directly on ShopeePay's own site before booking.

40+ScoredFly now pay later provider scoresShopeePay is scored on the same measures as every other buy now, pay later provider we rate for booking flights.See all provider scores

Compare pay-later options

More Ways to Pay Later for Flights

Both ShopeePay and splitit sit inside the Laters.com checkout, so this isn't a search for another site, it's a choice between two ways to pay for the same ticket right here. ShopeePayLater publishes up to four plan types, from a deferred pay-next-month option through to instalments stretching to twelve months, with its strongest footing across Indonesia, Thailand, Vietnam, Malaysia and the Philippines. splitit is built around a pay-in-4 product with a different geographic base, so compare splitit for flights on Laters.com if your trip or your card sits outside Southeast Asia. If ShopeePayLater 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 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.

Coverage varies by market; check Laters.com for details.

View provider guide

Klarna

Pay in 4 or monthly financing

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.

Coverage varies by market; check Laters.com for details.

View provider guide

Afterpay

Pay in 4 instalments

Afterpay splits the fare into four payments, with eligibility and any late fees depending on your account history and on-time repayment.

Coverage varies by market; check Laters.com for details.

View provider guide

Atome

Pay in 3 instalments

Atome is another Southeast Asia-rooted option, splitting the cost into instalments, with approval subject to a credit or affordability check.

Everywhere

View provider guide

Zip

Pay in instalments

Zip runs a instalment-based plan for purchases like flights, and approval is not guaranteed since a credit check applies before checkout.

Coverage varies by market; check Laters.com for details.

View provider guide

Tabby

Pay in instalments

Tabby lets shoppers split a fare into instalments, though eligibility depends on a credit check and any missed payment can bring a fee.

Coverage varies by market; check Laters.com for details.

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 ShopeePay to Book Flights

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

01Can I use ShopeePay to book flights 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.

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

All of them on Laters.com. ShopeePay sits at our checkout as a payment method, not something each individual airline switches on, so every flight we sell can be paid for this way, subject to approval and a credit check. The plan you're offered still depends on the country you're booking from.

03Does paying with ShopeePay cost more than paying by card?

No. Laters.com adds no payment surcharge and no booking fee for using ShopeePay, so the fare shown is the same as paying by card. That said, this remains a credit product: late payments attract a late fee, and longer tenures such as Pay in 12 are interest-bearing, so the total you repay can exceed the fare if you extend or miss payments.

04When do I get my e-ticket if I pay with ShopeePay?

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.

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

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.

06What happens if I miss a ShopeePay payment for a flight booking?

A missed payment triggers a late fee on the outstanding balance, and the amount owed keeps accruing until it's settled. Missed payments may also be reported to credit reference agencies and can affect your credit standing, making future borrowing, including with ShopeePay, harder to get approved. If you think you'll miss a due date, contact ShopeePayLater directly through shopee.co.id/m/shopeepaylater as early as possible.

07Which countries can I use ShopeePay from to book flights on Laters.com?

Indonesia, Thailand, Vietnam, Malaysia and the Philippines all currently support ShopeePayLater on Laters.com. Indonesia and Thailand offer the full set: Pay Next Month, Pay in 3, Pay in 6 and Pay in 12, while Vietnam, Malaysia and the Philippines currently stop at Pay in 6. Terms and availability change, so confirm the current picture for your market at shopee.co.id/m/shopeepaylater.

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

Pay in 12 is built for larger fares, spreading the cost across twelve monthly instalments rather than one lump sum. Longer tenures like this are interest-bearing and still require a credit check, so the total cost will run above the ticket price, and approval for a longer tenure isn't guaranteed. Where it's offered, it suits travellers who want a smaller monthly commitment on a big-ticket booking rather than fast payoff.

09Does using ShopeePay for a flight affect my credit score?

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.

10What happens to my ShopeePayLater instalments if my flight is cancelled or refunded?

Refund handling depends on the airline's fare rules and how the refund is processed back through ShopeePayLater once the cancellation is confirmed. Outstanding instalments generally continue to be due on schedule until any refund is applied against your balance, so a cancelled trip doesn't automatically pause your payment plan. Check with ShopeePayLater directly at shopee.co.id/m/shopeepaylater on how a specific refund will be credited.

11Can I use ShopeePayLater for international and multi-stop flight itineraries?

Yes. ShopeePayLater applies to the fare total rather than to the route, so a multi-stop or international itinerary is financed the same way as a single one-way ticket. What decides which plans you see, Pay Next Month, Pay in 3, Pay in 6 or Pay in 12, is the country you're booking from on Laters.com, not where the flights actually go.

12Is a Pay Next Month deferral with ShopeePayLater really free?

Not automatically. Pay Next Month defers the fare to the following month with no split of the balance, but it's still a credit arrangement backed by a credit check, and missing the due date brings a late fee and possible reporting to credit reference agencies. The catch is discipline: it only stays cost-free if you repay in full on the date it's due, so treat it as a deadline rather than free money.

13Do airline miles and status points still accrue when I book with ShopeePayLater?

Loyalty accrual is set by the airline's fare and frequent flyer terms, not by the payment method you use at checkout. Because ShopeePayLater finances the fare rather than changing the ticket itself, miles and tier points generally follow whatever the fare class and airline programme would normally award. Check the specific fare conditions on Laters.com before booking if a mileage run is the point of the trip.

14Can I book a business class flight with ShopeePayLater?

It can be used on premium cabin fares, since ShopeePayLater finances whatever total the booking comes to rather than restricting by cabin class. Higher fares mean a larger balance to repay, and approval for the plan you want, including longer instalment options like Pay in 6 or Pay in 12, still depends on your credit check and assessed limit. Confirm your available limit with ShopeePayLater before assuming a premium fare will be approved.

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

Yes, subject to the airline's own change and cancellation rules, which apply regardless of payment method. Any instalments already scheduled under your ShopeePayLater plan, whether Pay Next Month or a longer tenure, keep running on their original due dates unless the booking change and any resulting refund are processed back through ShopeePayLater. Contact ShopeePayLater at shopee.co.id/m/shopeepaylater to understand how a specific change affects your repayment schedule.

16Do I need an existing ShopeePayLater or Shopee account to book flights on Laters.com?

You'll need an active ShopeePayLater account, which is assessed through its own credit check before it can be used at checkout on Laters.com. If you don't already have one, you'd set it up directly through ShopeePayLater rather than through Laters.com, and approval for the plans, from Pay Next Month to Pay in 12, isn't guaranteed. Visit shopee.co.id/m/shopeepaylater for current sign-up requirements in your country.

About ShopeePay and Laters.com

About ShopeePay

Who is ShopeePay?

ShopeePay, known in its home markets as SPayLater, is a buy now pay later service built into the Shopee shopping app and used by shoppers across Southeast Asia. It grew out of everyday online shopping and has since spread into bigger-ticket categories, flights among them, for travellers who want to book now and settle the fare on a schedule rather than all at once.

The service was founded in 2019 and is headquartered in Singapore, operating under the wider Shopee and Sea Group umbrella. Today it works through licensed local financing arrangements rather than a single global entity, and it holds regulatory recognition in more than one market, including oversight from Indonesia's OJK and Singapore's MAS. Southeast Asian BNPL has drawn regulatory scrutiny in recent years as authorities have tightened rules around consumer lending, and ShopeePayLater's terms and availability have shifted market by market as a result, so what applies in Indonesia is not guaranteed to apply in Vietnam or the Philippines. Check ShopeePayLater's own site for the current terms in your market. Only borrow what you can comfortably repay on the agreed schedule.

Booking with ShopeePay on Laters.com

On Laters.com, you search your route as normal, then choose ShopeePay at checkout and pick a plan before the e-ticket is issued once payment is approved. You may be shown a deferred single payment due the following month, or monthly instalment plans running three, six, or twelve months. Some of these carry no interest when paid on time, while others are interest-bearing, and all are subject to a credit check and approval, so what you are offered depends on your own credit profile.

Laters.com is the merchant of record for this booking and issues the ticket. ShopeePay is the payment method and credit provider, not the seller of the flight. Paying this way carries no payment surcharge and no booking fee, so the fare is the same as paying by card. You do not need a credit card to book when you choose ShopeePayLater. ShopeePayLater settles the fare with the airline on your behalf, and your repayments go to ShopeePay 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.

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

Read the guide Visit ShopeePay’s website

ShopeePay 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. 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.

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