Debit Card Instalment

Pay monthly. Enjoy daily. 

3 months 0% instalment.
Available online for selected items

(available online and in-store)
3 months 0% instalment.
Available online, just select Atome during checkout.
(available online and in-store)
Shop now, pay later in 4 zero-fee instalments.
Credit or debit card, FPX payment, direct debit accepted.
(available in-store only)

PAYLATER now available at machines retail stores.

Get 4-months interest-free instalments with PAYLATER, and take home your device on the same day!

How PAYLATER works


Step 1

Download PAYLATER app.

Step 2

Complete registration process.

Step 3

Obtain credit approval.

Step 4

Let's shop!
Visit Machines Outlets now.

 

Instant Shopping Limit
Repayment Date
Extended Instalment
RM600
Monthly
RM1,999 and below
(up to 6-month instalments)
RM2,000 and above
(up to 12-month instalments)

How to increase your shopping limit?

   PAYLATER app and select GET MORE LIMIT.

   Fill in the information.

   Upload the necessary documents.

   Submit your application.



Frequently Asked Questions (FAQ)

Malaysia Citizen with a valid Malaysia NRIC;
Above the age of year 18 years old;
Have a valid email address and mobile number;
Have a valid residential address;
Have a valid Bank Account / Debit Card / Credit Card

There will be no interest, but a one time 4% admin fees will be charged under Machines Sdn. Bhd. for your purchase(s).

Your Shopping Limit is the available shopping amount you can spend with Paylater partnered Merchants. Your instalments will be deductible monthly from the date of purchase.

User can request higher shopping limit in-app by providing additional information.
Login to PAYLATER Malaysia App, click on "Get More Limit" to apply for higher shopping limit.
We might require you to upload the following documents:

  • ONE - Latest month bank statements in PDF;
  • ONE - Latest Payslip;Prove of income/revenue - For self-employed or own business;
  • ONE - Latest Utility Bills (TNB bills, Water bills, Mobile Phone bills etc);
*Please ensure the document(s) you submitted is not password protected.
**Please note that all higher shopping limit application is subject to T&C for approval.You may request for higher shopping limit in-app. Please do have your latest bank statement (in PDF), utility bill and payslip or income statement ready.

Yes, you can! Both debit and credit cards are accepted for ‘Paylater’ payment option.

Your billing cycle will be monthly.

Yes, you may refer to here for more information.

You may choose either auto debit on your card, or FPX manual transfer to Paylater Malaysia via an in-app option in the ‘Paylater Malaysia’ app.

You may opt-in for a refund only if you do so within the same day. No refunds will be entertained 1 (ONE) working day from your purchase using ‘Paylater’ option.

Yes, you may opt-in for a maximum of 12 months instalment with a fixed fee. Full details available in the ‘Paylater Malaysia’ app. Instalments above 4 months are subject to approval.

Yes, you may. As long as you are still within your allocated ‘shopping limit’, you may have as many purchases.