Most of the SPayLater/ShopeePay merchants: The cashiers scan your SPayLater/ShopeePay QR. If SPayLater, you need to confirm the number of instalments to complete the payment (FOC only if no instalment). Eg Mr DIY, Econsave, Ecoshop, Guardian.

There are some merchants you need to scan their Duitnow QR and pay. Eg Big Pharmacy.

There was 7 pages of SPayLater merchant list (>100 merchants) at Shopee App a few months ago (not available now). Mostly F&B and pharmacy.

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I can select spaylater when seller scan my barcode but not the other way round when I scan seller barcode. At least for the latter I don’t see the option available. So you’re saying that regardless of I scan seller or seller scan mine both have option for spaylater right? If the seller does not sign up for special spaylater we won’t get the zero processing fee. That is what Shopee CS told me just now. We will know when the invoice is shown and we can choose to proceed or not.

You need to scan the merchant's QR that allows SPayLater.

Most of the merchant Duitnow QR that you scan won't allow SPayLater/ Grab Pay later / credit cards.

e.g. at Petrol station, the cashier use their E-wallet device to scan your ShopeePay/SPayLater code, it should work. If you scan the Duitnow QR plate, SPayLater will fail, then you need to use ShopeePay (wallet balance).

P/S: I can select SPayLater to scan merchant Duitnow QR to pay. If fails, then I choose Wallet Balance to proceed (ShopeePay).

Use SPaylater (Shopee Pay Later) to spend at offline merchants (Guardian, Big Pharmacy, Econsave, 99speedmart, NSK, Mydin, Giant, Cold Storage, Village Grocer, Mr DIY, Ecoshop, Ninso, HeroMarket, Lotus's, Shell, BHPetrol, Petron, Burger King, Secret Recipe, Marrybrown, A&W, Sushi King, KFC, PizzaHut, SenQ, Starbucks, Coffee Bean, Zus, emart24, CU, Mynews, Baskin Robbins, Domino's Pizza, KK Super Mart, FamilyMart etc). Anytime not limited to weekend.

The use AMEX to settle SPaylater debt on Sat/Sun.

Easily RM1000/month.

Should be: you pay to "Airpay Malaysia Sdn Bhd", not IWK.

This method only applies on offline merchants? What about Shopee merchant I select spaylater for weekdays check out and pay it full during weekends with AMEX?

Checked CC transaction, paid to airway Malaysia, meaning can get CB? Thanks in advance

So paying spaylater with AMEX during weekend will get CB  ,right?

You can have 1 Spaylater account and billed monthly. The monthly bill includes all your Spaylater transaction, i.e. payments to Shopee orders and offline merchants. You can always pay Spaylater in advance before billed.
Yes - Airpay.

Can pay partially for a Spaylater(0% 1month) transaction done this month, like half this month n half next month?

You can have 1 Spaylater account and billed monthly. The monthly bill includes all your Spaylater transaction, i.e. payments to Shopee orders and offline merchants. You can always pay Spaylater in advance before billed.
Yes - Airpay.

Charged for agoda in January and paid in full then this month made few other transactions. One day after statement date, agoda refunded.

After offsetting the refund my outstanding was 97 cents that is not even due yet so didn’t paid for it. And completely forgotten about it until I got billed late charge and interest for the month.

Had to call cs for waiver of the late charge and interest charges of 80+ for not paying 97 cents.

And was told not to use the card until it shows zero otherwise interest will keep snowball and they will only do the waiver within 10 working days.

The system really needs enhancement. Just gentle reminder to all. Refund is not captured payment even greater than ur outstanding billed amount.

Always pay the STATEMENT BALANCE by the due date.
If M2U doesn't allow, use Cash Deposit Machine.

Going all the way to a branch just to deposit RM1 is too much effort seriously lol

And paying statement balance will end up with extreme excessive balance which doesn’t make sense too to be fair. Agoda refunded 11k and asking me to pay up another ~11k at cdm?

The refund or Negative value retail transaction is after statement date right?
Then you can't pay the statement balance in full, it will be rejected by M2U. So CDM is the channel to pay Statement Balance in full.

Since past few posts talking about Spaylater, is it possible to pay/settle a big ticket item offering Spaylater option with multiple cards?

Just to maximize CB with cards that i have?

Say i buy an item of RM2000 with Spaylater, then settle it in 2 separate transactions using 2 different cards?

All within a month's time?

You can't change the outstanding balance to "pay early" or the monthly bill amount.

Unless you spilt payments to the merchant.
Eg 1st payment to merchant RM1500
SPaylater Outstanding RM1500
Use Card 1 to settle RM1500.

Then 2nd payment to merchant RM500
Spaylater Outstanding RM500
Use Card 2 to settle RM500

This is how I used 4 credit cards to pay for RM3000 item a few weeks ago.

How do we do the split payment to merchant?

Something that we need to text them first to make such arrangement?

And this method is based on the premise we select Spaylater option during checkout?

Sorry, never use Spaylater before, curious to explore it with multi settlement.