To ensure responsible spending practices, each Pay Later purchase is evaluated by our system for approval.  This takes into account many different factors, including your prior credit history and how many purchases that have been made and successfully paid back using OctiFi.  Meaning, the longer you have been using our Pay Later in 3 instalments services, and the more orders you have successfully repaid on schedule, the more likely you will be able to spend more.  Minimum spend is S$35.