Paylater is a digital payment service that uses a credit system within a period determined by the lender to the borrower. This service with the BNPL (Buy Now, Pay Later) principle targets consumptive Users who need additional funds to make consumptive transactions but do not have collateral in the form of goods to apply for a loan.

The advantage of this Paylater service is that the requirements for submitting an account opening and loan are lighter than Credit Card services. Users can apply in less than one week and can accept as the borrower.

Additional funds submitted to the Paylater Partner will be paid off by the User at the applicable maturity date with an additional higher interest rate than general Credit Card services. As well as Customer must pay a fine if it is late or exceeds the mutually agreed loan deadline.



NICEPAY works with several Paylater Partners to make it easier for Merchants to make transactions and get more Customers. The following is a list of Paylater Partners who have worked with NICEPAY.