Grab pay later是什么

要知道，处理每个月的开销债务是不容易的，每个人都有不同的方法来理财。以往的方法是人们每个星期把多余的钱收起来，放在储蓄箱子或者是银行，又或者有自己的方法来储蓄来预算自己能够偿还月底的信用卡债务。

无论你是用什么方法，每个方法都是在帮我们减轻甚至不需偿还高额利息。现在有个比较新奇的付款模式，那就是“先买后结账“（Buy Now, Pay Later）。或许对很多马来西亚人来讲这不算什么新东西，但毫无疑问，这新付款模式已经渐渐走进了我们的生活圈子。

什么是“先买后结账”（Buy Now, Pay Later）？

持有信用卡的马来西亚人口越来越年轻化，越来越多年轻人也在毕业工作后的好几年便申请信用卡。而也因为这样，很多人依赖信用卡的便利，无法缴付每个月的巨额卡债，导致利息越滚越大。然而，这群体会通过“先买后结账”这方式锻炼自己的自律来消费，知道自己的消费能力范围，从中可以清楚知道自己是否能“戴那么大的帽子”。

目前在马来西亚有纳入这BNPL付款模式的企业和商家还不算多，以当下的情况来看，BNPL模式的趋势正慢慢成长。这无疑给很多消费群体来说是个很好的付款选择。BNPL有提供分期付款的期限，而且它最吸引的人地方就是，即使是小数额的付款，顾客也能使用BNPL来付款哦！

我没信用卡，但我还可以使用BNPL来偿还款项吗？

答案是可以的！无论你是信用卡还是银行卡持有者，都可以使用这选择来付款哦！BNPL主要的趋势在于网络消费，很多电商都纳入这个模式供顾客选择。由此可以显示，BNPL也因为网络消费的普遍而正迅速发展。

这也带给了马来西亚的用户一个很好的消息，那就是陆续有很多本土的BNPL平台供用户选择，例如：Hoolah、Atome、Pinelabs、Split、Akulaku、Pace和SPaylater等等。当然少不了我们今天的主角Grab，在2019年他们推出了这个BNPL的服务，这也融合了他们的外送和载送服务。

什么是PayLater by Grab？

如他的名字一样，跟我们上述解释的也一样，是先购买后付帐的消费模式。但PayLater只限于在Grab的商家或者载送服务上使用。

Grab的PayLater有两个方法：

1. 分成4个月的分期付款
2. 下个月才付款

 所以在这个PayLater的方法下，用户也能把电子召车账单、Grab Food/Mart 和网购的订单统一来付款，只要用户没有迟偿还付款，那平台不会向用户征收额外利息。

例子：你在All IT hypermarts选择买一架全新的iPhone 12。你是一个精打细算的消费者，想以最实惠的价格买这部手机，售价是RM3,849.00。你顾虑到你的开销和现金流，所以你选择了Grab的PayLater选择。在这里你一个月只需要付RM962.25，就能得到这部手机了，无需付额外的利息。

谁能使用PayLater？

只要你是Grab用户，和符合以下资格，都允许使用者平台：

• 21岁或以上
• Platinum、Gold或Silver GrabRewards 用户
• 长期活跃使用无现金付款的Grab用户

除此之外，Grab有以下的功能来自动帮用户偿还款项：

• 自动扣除用户的Grab Ewallet余额，或者Ewallet余额不够，那会自动从用户的已连接银行卡/信用卡来储值Ewallet和扣除。
• 偿还日期会显示在界面提醒用户。
• 如果无法偿还，Grab会暂时冻结用户的账号。
• Grab把需要付款的账单显示在用户的界面。

跟Grab一起合作的著名商家有：Zalora、All IT Hypermarts、Panasonic、Clarins、TT Racings、XIXILI和GINTELL等。如果想要了解更多，可浏览官方网站：PayLater | Grab MY 

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Enjoy flexible payments

For online businesses looking to improve e-commerce conversions, you can offer PayLater to our consumers now.

Why PayLater?

Get what you want now, pay for it later

PayLater is here to bring you what you want when you want it, making payments for life’s pleasures easier, more rewarding and stress-free. 

PayLater, the smart way to pay for life’s many pleasures

2 ways to PayLater

Pay in 4 monthly instalments

Make a large bill smaller. Pay only 1/4 of the total bill today and get up to 1.2% back in GrabRewards points.

Pay the next month

Track your monthly spend and pay for it all in one bill and get GrabRewards at the same time!

*Available for use on Grab services too (e.g. Grab rides, GrabFood orders and more)

No interest, no fees

Pay only the price of what you’re bringing home, both in-store and online. There’s no interest, no upfront costs, and no fees as long as you pay on time. 

Brands you (will) love

Use PayLater for your Grab spends and on brands you love like Secretlab, FashionValet, and many more. 

Discover new brands and enjoy GrabRewards for every transaction.

It is completely transparent.

Know everything that happens

Get updates every step of the way. From when a transaction has been made to when a payment is successful. Made a refund in-store? We’ll let you know when you will get your money back.

No hidden charges

There’s only one charge if you miss a scheduled payment, and that’s a flat RM10 admin fee to reactivate your suspended PayLater account.

It prioritises your privacy and security.

Keep your credit card number safe

Keying in sensitive credit/debit card details on multiple websites leaves you at risk of fraudulent transactions. With PayLater, you only need to check out with your mobile number no matter which store you are shopping at.

We confirm it's you who's shopping

We verify every of your transactions with a One-Time Password (OTP) sent to your mobile.

It's super simple to use.

Because the joy is in receiving your parcel, not paying.

Check out in 3 taps

There’s no need to memorise anything. Simply choose to checkout with Grab, key in the OTP sent to your mobile and select PayLater as your payment method. Done!

Pay seamlessly

You can automate deductions from your GrabPay balance or linked card, which makes it virtually impossible to miss a payment, and keeps you from incurring any admin fee.

Yours in 2 minutes

PayLater is designed for easy registration, so you won’t need to apply or send us more documentation to start using it. If you’re an existing Grab user, you’re most likely able to access PayLater almost immediately.

Frequently asked questions

Grab users who are eligible for PayLater should be

1. You’ve been an existing Grab user for at least 6 months
2. You’re aged 21 years or over
3. Your account has been fully verified
4. You’re a Platinum, Gold, or Silver GrabRewards tier member
5. Your Grab app has been updated to the latest version.

If you’re eligible for PayLater, you’ll be able to activate it in-app, or simply launch your Grab app, tap on Payments, tap on Enjoy Now and Pay Later under Explore GrabPay.

If you don’t see the PayLater option, we’re unfortunately unable to offer this service to you just yet. All approvals are subject to our internal review.

We are working towards providing the PayLater service to more users soon. Stay tuned!

Yes, you will get up to 1.5* GrabRewards per RM1 spent for every PayLater transaction (both Instalment and Postpaid), depending on your GrabRewards membership tier. Find out more about the full breakdown of GrabRewards awarded per membership tier here.

Look out for our various exciting promotions and merchant offers for great value at our merchant directory.

*With GrabUnlimited

PayLater is a free service offered by retailers to you – there are no upfront fees charged or any interest accrued.

The only fee that may be incurred is admin fee to reactivate your suspended account for each missed payment. Your PayLater account may be suspended if you have overdue PayLater bill and you do not make any payments after being notified by us.

Find a comprehensive library of help articles in our Help Center. 

Enjoy 9% (RM8) Rebate at AEON

• Valid from 15 Jan 2022 – 28 Feb 2022
• Minimum spend: RM88
• Limited to 62,500 redemptions 
  
• TWO(2) redemptions per user throughout the campaign

1. Campaign period is from 15 January 2022 (12:00am) – 28 February 2022 (11.59pm).
2. GrabPay users are eligible for a “RM8 rebate” in your “My Rewards” when you spend a minimum of RM88 on a single receipt via GrabPay Wallet.
3. The offer of “RM8 rebate” is limited to a total of 62,500 redemptions throughout the campaign period.
4. Offer is valid for TWO (2) in-store redemptions with a cap of ONE(1) redemption per user per day throughout the campaign. Shared across AEON Co, AEON BiG, AEON MaxValu Prime, and AEON Wellness throughout the campaign period. 
5. The “RM8 rebate” will be awarded instantly with a minimum transaction of RM88 with GrabPay at all outlets of AEON Co, AEON BiG, AEON MaxValu Prime, AEON Wellness; The rebate can be found under “My Rewards”. Rebate must be redeemed by clicking “use now” under “My Rewards” 30 days from the date of issuance.
6. The campaign will cease once all redemptions have been fully awarded or at the expiration of the campaign period, whichever is earlier.
7. Offer is based on a first come first served and while stocks last basis only.
8. Grab and AEON Group shall not be under any obligation to inform users, on any communication channels once the offer has been fully redeemed.
9. Offer is only available for AEON Co, AEON BiG, AEON MaxValu Prime, and AEON Wellness physical stores purchases at cashier counter only via GrabPay Wallet; offer is not applicable for online or GrabMart purchases.
10. Offer is not exchangeable for cash or replacements.
11. Offer is not valid with any other voucher, discount or promotion.
12. Grab and AEON Group reserve the right to alter, extend or terminate the promotion, or amend the terms and conditions at its sole discretion at any time without prior notice. In case of any disputes directly or indirectly arising from the promotion, the decision of Grab and AEON Group shall be final.
13. These terms and conditions shall be governed by the laws of Malaysia and any dispute arising out of or in connection with promotion shall be referred to the exclusive jurisdiction of courts of Malaysia.
14. This rebate is non-transferable to any party.

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