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Book ShopBack Flights

Pay in full at checkout with ShopBack Pay in the app with no hidden booking fee

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Reviewed by the Laters.com payments teamUpdated 19 August 2026

ShopBack flights

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

Yes. You can use ShopBack to book flights and buy plane tickets for any airline, any route, any fare class, when you book through Laters.com. This is a credit and payment product, not a discount code, so no separate payment surcharge and no booking fee get added on top of your fare. Reference your linked card and any ShopBack terms before you fly, since availability and plan options vary by market.

Most airlines don't offer ShopBack directly at their own checkout, which is exactly why booking through Laters.com matters. Carriers like Delta, United and American in the US, Qantas and Jetstar out of Australia, and British Airways, Lufthansa and Finnair across the UK, Germany and the Nordics all sell tickets with no ShopBack option on their own sites. On Laters.com, you select ShopBack at checkout, pick a plan that fits your budget, and your e-ticket is issued once payment is confirmed.

ShopBack Pay, the in-app pay-now option charged to your linked card, is the plan currently available, and third-party BNPL providers can sometimes be layered on top of it depending on your market. Any purchase, including a long-haul business-class ticket or a short domestic hop, runs through the same wallet-style flow, subject to approval and available only to travellers aged 18 and over. Some linked cards or attached BNPL providers carry interest, so check the terms before you confirm.

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

Payment plans explained

Split Your Flight, Pay Over Time with ShopBack

With ShopBack, splitting a fare mostly means paying for it in full through the app rather than stretching it across instalments. Some markets let you attach a third-party BNPL provider inside ShopBack Pay, and any credit plan added that way carries its own interest terms and a credit check set by that provider, not ShopBack.

Your ShopBack fareUSD

$500

ShopBack Pay

Payments: $500.00due at checkout
Due today: $500.00
Total you pay: $500.00paid in full today

ShopBack Pay involves no credit at all: you settle the fare in full through the app, offset by any Cashback or store credit you hold, so there's no deferred balance to worry about. In Singapore you can add a separate BNPL provider inside this flow, but that provider sets its own interest and credit-check terms, not ShopBack. Wallet-style pay-now flow charged to a linked card, with Cashback/store credit offset. Third-party BNPL providers (e.g. Grab PayLater) can be added as a payment method inside ShopBack Pay in Singapore, but those instalment terms are set by the BNPL provider, not ShopBack. ShopBack Pay was discontinued in Australia on 25 March 2026.

ShopBack itself is the merchant of record: you pay ShopBack Pay, and your e-ticket is issued in full once that payment clears at booking, whichever market you're booking from.

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.

ShopBack plans by country

ShopBack Flight Booking: Available Countries

ShopBack's flight checkout on Laters.com spans key Southeast Asian and Oceania markets, from Singapore across to Malaysia and the Philippines, and down to Australia and New Zealand. Across the rows we've been given, ShopBack checkout on Laters.com is available in every market ShopBack operates in, though several of those markets now run on pay-now flows rather than an instalment plan, since ShopBack's own PayLater product has been wound down in more than one country. Settlement still happens in the traveller's own currency rather than a converted one, so a fare in SGD, MYR or AUD is charged locally. This grid is built from ShopBack's own published country terms, not our estimate of them. 4 currencies are listed in this guide.

Pay-in-3 style short-term instalments, the label ShopBack itself used to call PayLater, are what many shoppers in this region expect from ShopBack, but that ShopBack-issued plan has been withdrawn from every market listed here, including Singapore, Malaysia, the Philippines, Australia and New Zealand. Where a version of it still exists, it works by taking a share at purchase and the rest at fixed intervals afterward, interest-free when paid on schedule, though approval is never guaranteed and any longer-term option would carry interest. Limits, fees and whichever plan is currently live differ by country and are confirmed by ShopBack at checkout, so check there before you book.

Laters.com vs booking direct

Why Book Your ShopBack Flights on Laters.com?

Most airlines don't offer ShopBack at their own checkout, and the few that do set their own rules. On Laters.com, ShopBack sits inside one checkout that covers every airline we sell, so the plan you get never depends on who's flying the plane.

Whichever airline operates the flight and whichever plan ShopBack approves, the booking is with us. That means one company to call if your flight changes, gets cancelled, or needs a refund, not the airline and a separate lender. Approval and any interest still depend on ShopBack's checks and the plan you're given.

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

Independently scored, no paid placement

Laters.com Payment Score: ShopBack

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 based on ShopBack's published plan terms, country-by-country availability for flight bookings, and independent research into recent changes to its PayLater and Pay products. No brand pays Laters.com to be rated. 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.

ShopBack's own PayLater instalment plan is gone: withdrawn from Singapore on 22 March 2024 and from Malaysia in March 2024, with ShopBack Pay itself discontinued in Australia on 25 March 2026. What is left is ShopBack Pay, a pay-in-full wallet charged to a linked card across Singapore, Malaysia, the Philippines, Australia and New Zealand, with third-party BNPL like Grab PayLater addable only in Singapore.

What works well

No APR or late fee on ShopBack Pay's checkout charge
Reaches five markets: SG, MY, PH, AU and NZ
No hard credit check on the pay-now flow

What to watch

ShopBack's own PayLater plan withdrawn since March 2024
ShopBack Pay itself ends in Australia 25 March 2026
Instalments in Singapore depend on a third-party provider

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

Repayment Flexibility7/10

One shape only: ShopBack Pay, a single pay-in-full checkout charge (splitCount of 1). No deferred or instalment plan of ShopBack's own remains after PayLater's March 2024 withdrawal, so travellers get no genuine choice in how they pay.

Interest Rate8/10

ShopBack Pay carries no APR and no late fee, since it settles at checkout via a linked card rather than deferring any balance. That also means there is no ShopBack-priced instalment option left to compare a rate against.

Eligibility7/10

Available across five markets in the supplied set: Singapore, Malaysia, the Philippines, Australia and New Zealand. Every one of those five now offers pay-now only, so reach is broad but the plan on offer never varies by country.

Approval Process8/10

A pay-now wallet charge needs no credit decision and no hard check, so there is nothing to hold up ticketing. The trade-off: Singapore shoppers wanting instalments must add a separate third-party BNPL provider, whose terms ShopBack does not set.

The editorial take

Strongest on: Approval: ShopBack Pay clears at checkout with no hard credit check standing between choosing it and flying.
Held back by: Flexibility: ShopBack's own PayLater instalment plan is gone from every market supplied, leaving one pay-now shape only.
Which plan: ShopBack Pay for settling the fare in full at checkout.

The table below prices the same fare on ShopBack's available plan. The fare itself does not move: we add no booking fee or surcharge for paying this way, whichever market you book from.

Plan	Due today	Then	You pay in all	Cost of credit
ShopBack PayNot a credit product	$1,000.00	Nothing left to pay	$1,000.00	Nothing

What else can cost you

Late payment charge: ShopBack Pay settles at checkout via a linked card, so no late fee applies to the plan itself.
Early settlement: There is no deferred balance to clear early since payment is taken in full at checkout.
Currency conversion: Charges run in your local currency, such as SGD, MYR, PHP, AUD or NZD; your card issuer may still apply its own conversion charge.
Credit file impact: As a pay-now wallet charge, ShopBack Pay involves no credit check and should not appear on your credit file.
Refunded flight: A refunded fare is returned to the linked card used at checkout; check ShopBack's site for how any Cashback earned is treated.

This worked example is an illustration, not a quote. What you are offered depends on your market and, where a credit product is involved, on approval. Every provider we score is costed on the same rows so they can be compared fairly.

Where ShopBack leads

No APR or late fee on ShopBack Pay's checkout charge
Reaches five markets: SG, MY, PH, AU and NZ
No hard credit check on the pay-now flow

Before you apply

ShopBack Pay is a pay-now wallet charge, not a credit product, so no credit check applies to it.
Any instalment terms come from a third-party provider like Grab PayLater added inside the Singapore app, not from ShopBack.
Age and residency rules vary by market: confirm current eligibility on ShopBack's own site before booking.
Australian shoppers should note ShopBack Pay is scheduled to be discontinued there from 25 March 2026.

40+ScoredFly now pay later provider scoresShopBack 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

Here's the thing worth knowing before you go hunting elsewhere: ShopBack and Postpay both sit right here at the Laters.com checkout, so this isn't a choice between what's on this page and what's out there somewhere. It's a choice you can actually make right now. ShopBack itself is a pay-now wallet, one lump sum charged to a linked card through the app, with no ShopBack-run instalment plan currently live in the markets we track. Postpay, by contrast, is built around a pay-in-4 product, and if that split-payment shape is what you're after, you can compare Postpay for flights on Laters.com. If ShopBack isn't available where you are, these are the other providers that can spread the cost of your flight.

Other providers

Postpay

Pay in 4 instalments

Postpay splits the fare into a pay-in-4 style plan, and approval isn't guaranteed since a credit check typically applies before checkout completes. Missing a scheduled payment can bring fees, so it pays to check the terms before booking.

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

View provider guide

Klarna

Pay in 4 or monthly financing

Klarna offers a mix of pay-in-4 and longer monthly financing plans, and some of those carry an APR alongside a credit check during checkout. Missed payments can lead to fees or a paused account, so read the plan terms before you commit.

Widely available across multiple countries; confirm yours on Klarna's site.

View provider guide

Afterpay

Pay in 4 instalments

Afterpay runs on a pay-in-4 rhythm, and while many shoppers know it as a fee-based rather than interest-based product, a missed instalment can still trigger a late fee. Eligibility checks apply, so approval at checkout is never guaranteed.

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

View provider guide

Zip

Pay in 4 or longer financing

Zip splits purchases into instalments and, depending on the plan, can extend into longer financing terms that may carry interest. A credit check typically runs before approval, and late payments can add fees to what's owed.

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

View provider guide

Affirm

Longer monthly financing

Affirm is built around monthly financing rather than a short pay-in-4 split, and some plans carry an APR set at approval, which itself depends on a credit check. There's no guarantee every applicant qualifies for every plan.

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

View provider guide

Tabby

Pay in 4 instalments

Tabby offers a pay-in-4 style plan for splitting the cost of a fare, subject to an eligibility check that stands between you and approval. Missed payments can bring fees, so it's worth reading the schedule closely.

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

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 ShopBack to Book Flights

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

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

Yes. On Laters.com you can pay for flights using ShopBack Pay, the wallet-style pay-now option charged to a linked card, which settles the fare in full at checkout rather than splitting it into instalments. ShopBack's own PayLater pay-in-3 plan has been discontinued in Singapore since 22 March 2024, so no ShopBack-issued instalment plan is currently offered. Check https://www.shopback.com/ for the latest on what ShopBack offers in your market.

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

All of them on Laters.com. ShopBack sits at checkout as a payment method rather than something each airline switches on individually, so every flight sold through Laters.com can be paid for with ShopBack Pay. The fare and airline choice work exactly as they would with any other payment method, since ShopBack only changes how you settle the cost, not which routes or carriers are available.

03Does paying with ShopBack cost extra on Laters.com?

No. Laters.com adds no payment surcharge and no booking fee for using ShopBack, so the fare shown is the same as paying by card. ShopBack Pay itself is a pay-now flow with no late fee attached, since there is no instalment schedule to miss, and it carries no interest-bearing plan because the full amount is charged at checkout via a linked card, with any Cashback or store credit applied as an offset.

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

The e-ticket is issued once your ShopBack Pay charge to your linked card clears at checkout. Because ShopBack Pay settles the fare in full rather than over instalments, there is no waiting period tied to approval of a payment plan. If a Cashback or store credit offset is applied, that adjusts the amount charged but does not change when the ticket is issued.

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

It depends on the payment method behind ShopBack Pay. ShopBack Pay itself is a wallet-style charge to your linked card and does not run its own credit check, but if you attach a third-party BNPL provider such as Grab PayLater inside ShopBack Pay in Singapore, that provider sets its own instalment terms and may run a credit check as part of its approval process. Confirm current eligibility rules at https://www.shopback.com/ before booking.

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

It depends on which product you used. ShopBack Pay itself charges your linked card in full at checkout, so there is no ShopBack instalment schedule to miss; if the card charge fails, the booking simply will not go through. If you added a third-party BNPL provider inside ShopBack Pay, missed payments on that provider's plan can trigger late fees, may be reported to credit reference agencies, and can affect your credit standing, so check that provider's own terms before relying on it.

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

Laters.com supports ShopBack Pay for travellers booking from Singapore, Malaysia, the Philippines, Australia, and New Zealand, though the picture varies by market. Singapore is the only one where third-party BNPL providers can currently be attached inside ShopBack Pay. ShopBack Pay was discontinued in Australia on 25 March 2026, and Malaysia, the Philippines, and New Zealand do not currently offer a ShopBack-issued instalment plan, so pay-now via linked card is what's available. Confirm current availability at https://www.shopback.com/.

08Which ShopBack plan suits an expensive or long-haul fare?

ShopBack Pay is the only ShopBack plan on offer, and it charges the full fare to your linked card at checkout rather than spreading a long-haul price over months. For a bigger business or long-haul ticket, that means the whole amount is due upfront, offset only by any Cashback or store credit you hold. Travellers in Singapore wanting to spread a larger fare would need to attach a separate third-party BNPL provider inside ShopBack Pay, since that provider, not ShopBack, sets the instalment terms.

09Does using ShopBack affect my credit score?

Not when you pay with ShopBack Pay itself. It is a pay-now wallet charge to your linked card with no ShopBack-run credit check and no instalment plan reported to credit bureaus. If you attach a third-party BNPL provider inside ShopBack Pay in Singapore, that provider's own credit check and repayment record could affect your credit standing, since those terms are set by the provider rather than by ShopBack.

10What happens to my ShopBack payment if my flight is cancelled or refunded?

Since ShopBack Pay charges the full fare to your linked card at checkout, a refund for a cancelled flight is returned to that same linked card rather than paid out as instalment credits. Any Cashback earned on the original booking may be adjusted or reversed by ShopBack once the booking is refunded. If a third-party BNPL provider was attached to the payment, refund handling on any instalments follows that provider's own policy, so check with them directly.

11Can I use ShopBack for international or multi-stop flights on Laters.com?

Yes. ShopBack Pay applies to the total fare charged at checkout rather than to the route itself, so it works the same whether you're booking a single domestic hop or a multi-stop international itinerary. What determines which ShopBack options appear is the country you're booking from on Laters.com, not the destinations or number of stops in your trip. Singapore, for instance, is the only listed market where a third-party BNPL provider can currently be attached alongside ShopBack Pay.

12Is a ShopBack pay-later deferral really free?

ShopBack itself does not currently offer a pay-later deferral plan of its own; its PayLater pay-in-3 product was discontinued in Singapore from 22 March 2024, and no ShopBack-issued instalment plan is documented in Malaysia, the Philippines, Australia, or New Zealand. What remains is ShopBack Pay, a pay-now charge to your linked card at checkout, so there is no deferred balance to worry about. Any deferral you see at checkout in Singapore would come from a third-party BNPL provider attached inside ShopBack Pay, with terms set by that provider.

13Do I still earn airline miles and Cashback when booking with ShopBack?

ShopBack Pay is built around Cashback and store credit, which can offset part of the charge to your linked card when you book through Laters.com. Whether the airline itself credits miles or tier points to your booking depends on the airline's own fare rules and your frequent flyer program, not on the payment method used. Check your ticket's fare conditions and the airline's program terms for specifics before assuming miles will post automatically.

14Can I change or cancel a flight booked with ShopBack?

Yes, subject to the airline's own fare rules, since ShopBack Pay does not add extra change or cancellation restrictions beyond the ticket conditions you agreed to at booking. Because the fare was charged in full to your linked card at checkout, any refund due for a cancellation is returned to that card rather than credited against a future instalment. If you attached a third-party BNPL provider to the payment, review that provider's change and refund policy separately.

15Do I need an existing ShopBack account to pay for flights on Laters.com?

You need a ShopBack account with ShopBack Pay set up and a card linked to it before you can select ShopBack as a payment method on Laters.com. Setting one up involves creating an account through ShopBack and linking a card, since ShopBack Pay charges that card at checkout rather than running its own line of credit. Visit https://www.shopback.com/ to check current account setup steps for your country.

About ShopBack and Laters.com

About Buy Now Pay Later Flights with ShopBack

Who is ShopBack?

ShopBack is a cashback and shopping rewards platform that has grown from a single-market coupon site into one of the largest shopping rewards networks across Asia-Pacific, with flights sitting alongside retail, dining and travel as one of its many earning categories. Its own instalment-style payment product has narrowed over time, and where it survives at all it now looks more like a pay-now wallet than a spread-the-cost plan.

ShopBack was founded in Singapore in 2014, and the business has since expanded into multiple markets across the region. It operates as a rewards and payments company rather than a bank, and it is privately held rather than publicly listed, so you won't find its shares on an exchange. Its footprint has moved in both directions: it built out ShopBack Pay and a PayLater instalment product, then withdrew PayLater from Singapore and Malaysia in March 2024, and is set to discontinue ShopBack Pay itself in Australia in March 2026. That kind of retreat is worth knowing before you rely on any particular plan being there next year. Check ShopBack's own site for what's currently live in your market before you book. Whatever payment method you choose, only commit to a schedule you're confident you can repay on time.

Booking with ShopBack on Laters.com

Search your route on Laters.com, select ShopBack at checkout where it's offered, and choose from the plans shown for your market, most commonly ShopBack Pay, a wallet-style pay-now flow charged to a linked card with any Cashback or store credit offset applied. Your e-ticket is issued once payment is approved. Some markets let you attach a third-party BNPL provider inside ShopBack Pay, and those instalment terms, including whether interest applies and whether a credit check is run, are set by that provider rather than by ShopBack, so read the terms shown at checkout before you confirm.

Laters.com is the merchant for this booking and issues the ticket; ShopBack is the payment method, not the seller of the flight. There's no payment surcharge and no booking fee for paying this way, so the fare is the same as paying by card. You don't need a credit card to book when paying with ShopBack: the linked payment method or attached BNPL provider settles the fare, and repayment goes to that provider, 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 ShopBack’s website

ShopBack 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 ShopBack’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 August 2026.

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