There are no interest charges with Pay Later in 3 instalments, and no fees when you follow your automatic payment schedule.  However the issuer of your card may charge interest or other fees under the terms of your card agreement.

If you fail to make the scheduled payment on the due date, we will provide you a courtesy 2-day grace period so that you can update your payment method or ensure enough funds are available on your selected card.

If you fail to make a payment by the end of the courtesy grace period you will be charged a late fee per failed scheduled payment.  The late fee starts at S$15 for order values up to S$999.99 with an additional S$15 fee for every S$1,000 increase in order value.  For example, if you were late paying for a purchase valued between S$1,000 and S$1,999, your late fee would be S$30.