SPayLater vouchers still attractive, compared to direct CB from credit cards.

Offline SPayLater Vouchers @ RM0.01
- RM5 off with minimum spending of RM50 at Mr DIY (i.e. SPaylater RM45, then use M2 Amex to settle Spaylater debt)
- RM5 off with minimum spending of RM50 at Shell
- RM5 off with minimum spending of RM50 at Petron
- RM5 off with minimum spending of RM50 at Big Pharmacy
- RM3 off with minimum spending of RM30 at KFC
- RM50 off with minimum spending of RM500 at SenQ (can save a lot for a new IPhone14)

This post has been edited by ClarenceT: Sep 24 2022, 09:59 AM

Shell and Petron vouchers sold out now, available yesterday.
You buy the 1-sen Shell voucher (etc) at "ShopeePay Near Me", then show your QR/Barcode to the cashier, remember to choose Payment - Spaylater (instead of "Wallet Balance"). Your SPayLater debt account will be debited RM45. Hehe.

Bypass ShopeePay, Charged to SPayLater account. You need to settle the SPayLater debt account by the due date, just like GrabPayLater and credit cards - if you don't pay in full by the due date, the credit card or BNPL will charge fee and interest.

SPayLater doesn't fully replace ShopeePay. SPayLater is allowed only at some ShopeePay merchants, and some purchases at Shopee/Airpay (excluded for some FSVs, buying promo mobile reload, ShopeePay/SPayLater vouchers etc).

This post has been edited by ClarenceT: Sep 26 2022, 06:44 AM

I don't go for instalments. Now can settle anytime.
I use Maybank Amex, PB CC etc (instead of ShopeePay) to settle SPaylater outstanding amount, for weekend/online CB.
Though SPaylater is by SeaMoney Capital Malaysia S/B, but the CC transaction will go to Shopee Malaysia (just like normal purchases at Shopee Malaysia) for the time being.

This post has been edited by ClarenceT: Sep 26 2022, 09:48 AM

#8324 - #8342

Possible but normally the coins will expire in 3 months (+) unless you "extend" the expiry date.

Still have. Today I spent RM160 to pay electricity RM183.
-RM20 from using Public Bank Mastercard and -RM3 from using a Lazada Voucher from Voucher Club.

Finally they learned from Lazada lah.

Better switch to Lazada bill payment, you can get discount from Lazada Vouchers, top up Lazada Wallet can poke the balloons, can use Amex to pay as well.

Maybank M2 Amex Gold/Platinum - 5% weekend CB
You can use Amex to pay at Lazada bill payment.
You can't use Amex to pay at Shopee bill payment. (Unless you use SPayLater first, then use Amex to settle SPaylater debt).

P/S: for Unifi, minimum payment at Shopee App is RM30, for Lazada App: RM10 only.

This post has been edited by ClarenceT: Oct 2 2022, 06:01 PM

Have you been invited and activated SPaylater?
You can't use SPayLater to pay Gift card.



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Just wait lah.
I guess they will come out with higher "transferrable" limit soon, but limit the credit card to top up ShopeePay, on par with other E-wallet.

This post has been edited by ClarenceT: Oct 5 2022, 04:19 PM

Not safe lah.
The safest is scan your merchant Duitnow QR, when your customers pay you in cash.

Ask your bank for merchant Duitnow QR service, most likely they still can offer you 0% charge till 31/12/22 then 0.99%/1% charge, you can join the campaign (for merchants) to win cashback.

Or get a Revenue Monster, so your customers can pay using credit cards / E-wallet.

I guess it is not ready for offline transaction.
SPayLater need to show the charge before you agree to complete the transaction.
It take a while for the IT team to change the process.

You already exercised your right to convert ShopeePay credit into cash at your bank account. So now you can retire from top up ShopeePay using credit cards.

Use your CASA to top up ShopeePay lah.

KFC SPayLater voucher very laku today.

This post has been edited by ClarenceT: Oct 20 2022, 06:48 PM


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But still ok for weekday spending.
Not many CC can give >3.5% CB.

#8429