SPayLater has been really helpful for managing my monthly expenses. The application process was smooth, repayment schedule is clear, and the app interface is easy to understand. I like how the installment plans give flexibility without complicated procedures. Payments are updated quickly and reminders help avoid missing due dates. So far the experience has been convenient, reliable, and suitable for emergency or planned purchases. Recommended for users who want a simple and practical buy now pay later service.

Why? Because theres A LOT TO IMPROVE!1. Its just taking up space for no good reason when I made payment mostly by cards, online banking. Whats the use of it? To make it a main payment system and make it harder and zero option for your customers? Nonsense.2. Theres no button for S-Financing payment which is ridiculous. If you want us to use your app wisely, then make it easy to access for all the bills. If you want it to be priority, make it ONLY a priority for Spaylater and Sfinancing payment. Its ridiculous to have this app when we can just do it on the main Shopee app.3. Lack of bank services and partnership. You really have to make a critical study on your rival app, TiktokShop. The payment system is very integrated, the customers can pay via DuitNow QR even. Can pay via TNG, EWallets and many more.4. Strict BNPL Payment system. Tiktok managed to give leisure to make early repayment with THE AMOUNT OF MONEY WE ARE COMFORTABLE WITH. While shopee? Still stick with FULL SUM of money when we want to make full repayment. Why? Because theyd rather see us broke and make late payment than help us when we dont have stash or money to pay. They wanna get us stuck in the loan and BNPL for long. Change this.5. If Shopee chose to be hard headed and stick to all this lame excuses, im sure Tiktok will overtake the online shopping platform in an instant. Just look at how TiktokShop managed to be THIS BIG after just about what? 2years? While Shopee get this big for atleast 5years. You arent always on top Shopee.Change your attitude and listen to us consumers.

I have been using Spaylater for quite a while now and it’s been helping me a lot and I never forget to pay it on time every month. But one thing I would love to recommend, it would be perfect if there’s an option to pay the Paylater / BNPL partially (currently, there’s only one option whether pay in full or not pay at all). As there’s actually a lot of people might have the money to partially pay for it (no need to wait until 1 full month), this function could be helpful for both parties, Shopee get their money back and user could restore their credit limit again. Really hope developer could consider this feature for the upcoming updates. Thank you ^^

I started using ShopeePay in early June because of its attractive new user promotions, including 100% Cashback (capped at RM15) and RM20 off with a minimum spend of RM21.Initially, the cashback was credited successfully. However, on subsequent transactions, despite using the same merchant, following the same payment process, and confirming that the voucher was still available, no cashback was credited while the payment was deducted.I contacted Customer Service and was promised that the cashback would be refunded within 24 hours. After nothing happened, I followed up multiple times. A report was created, but days later I still received no update.When I asked which department was handling my case and whether I could contact them directly, my questions were never answered. Instead, I kept receiving generic replies asking me to wait for an email, without any timeline or meaningful update.My disappointment is not about the cashback amount, but the lack of transparency and accountability. Customers deserve clear communication, especially when a promotion does not work as advertised.Good promotions may attract new users, but good customer service is what keeps them. Unfortunately, this experience has significantly reduced my confidence in using ShopeePay.