Ways to pay at Kooqa
Choose the payment option that works best for you. Online banking and Buy Now, Pay Later plans are provided by our participating banks and payment partners Doku (formally known as SenangPay)
1. SPayLater. Buy now, pay it your way.
Check out with SPayLater and choose to pay the following month, or split your purchase into easy monthly instalments.
● Pay next month, or choose 3, 6, 12, 18, or 24-month instalments.
● Available at checkout via the Shopee / ShopeePay app.
Available terms :
| Option | Term | Service Fee |
| Pay Next Month | 1 / 3 months | No fee if paid in full and on time |
| Instalment Plan | 6 / 12 / 18 / 24 months | Approx. 1.5% per month on the outstanding amount |
Terms & Conditions of SPayLater
SPayLater is a Buy Now, Pay Later facility provided by Monee Capital Malaysia Sdn. Bhd. via the ShopeePay platform, and is available to Malaysian citizens and permanent residents aged 18 and above with a valid MyKad or MyPR, subject to approval and an assigned credit limit. A late payment fee applies to overdue amounts, and your SPayLater account may be frozen until the outstanding balance is settled. SPayLater is a BNPL product and is not regulated by Bank Negara Malaysia. Fees and terms are set by SPayLater and may change at any time. Please refer to the SPayLater Terms & Conditions in the Shopee app for the most current rates before checkout.
2. PayLater by Grab. Split it, interest-free.
Use PayLater by Grab to spread your purchase into instalments, with no interest on the standard plan.
● Split into 4 monthly instalments - interest-free.
● 8 and 12 months instalments available for eligible users, with a processing fee.
● Or defer your full payment to next month.
Available terms :
| Term | Processing Fee |
| 4 months | 0% — no fee |
Terms & Conditions of PayLater by Grab
PayLater by Grab is available to registered Grab users aged 21 and above with a fully verified account, subject to Grab's approval and an assigned credit limit. Late or missed payments incur an admin fee, and your PayLater facility may be suspended until outstanding amounts are settled. Fees and eligibility are determined solely by Grab and may change at any time. Please refer to the PayLater by Grab Terms & Conditions in the Grab app for the most current rates before checkout.
3. Atome. Pay in 3, interest-free.
Split your purchase into 3 equal, interest-free instalments with Atome.
● 3 monthly instalments - 0% interest.
● No credit card required.
● A minimum spend may apply.
Available terms :
| Term | Interest Rate |
| 3 months | 0% - interest free |
Terms & Conditions of Atome
The Atome 3 instalment plan is interest-free provided all instalments are paid on or before their due dates. A late payment charge applies to any missed instalment, and your account may be suspended and subject to a reactivation fee if outstanding amounts are not settled within the stipulated period. Eligibility and credit limit are determined solely by Atome upon account registration and approval. Refer to the Atome Terms & Conditions in the Atome app for the most current rates before checkout.
General Information
All instalment and Buy Now, Pay Later plans referenced above are provided and administered by the respective banks and payment partners, and not by Kooqa. Approval, fees, interest rates, and terms are determined solely by each provider and are subject to change without notice. Please refer to each provider's own official Terms & Conditions for the most current information before completing your purchase. Kooqa is not responsible for any interest, fee, or account action arising from your chosen payment plan.
The information above is current as of [28 September 2026].