Hey guys! Did you know TikTok now has a Buy Now, Pay Later (BNPL) feature? Yup, you can shop first and pay later. Sounds cool, right? But before you jump in, let me break down everything you need to know—the hidden fees, how it works, and the risks.
But first, make sure you follow me on Instagram —trust me, you’ll thank me later. 😎
🛒 TikTok PayLater: How It Works
TikTok PayLater is developed with Pipo Fintech Services, similar to Grab or Shopee PayLater. Here’s the gist:
Choose your item.
At checkout, select PayLater.
TikTok evaluates your eligibility and assigns a credit limit.
Pick a payment period (1–12 months depending on the product).
💡 Keep in mind: not everyone gets the feature immediately. TikTok is rolling it out gradually, testing fraud detection, credit scoring, and compliance with Malaysian regulations.
⚠️ Important Features & Risks
Credit Limit: Can go up to RM10,000, depending on your job, income, and platform history.
Late Payments: Miss a payment? Your account may be frozen, and you could face RM10 reactivation fees. Chronic late payments can even reset your credit limit.
Installment Fees: 1-month installments usually no extra charges. Longer plans (3–12 months) may have service fees up to 1.5%, depending on promos.
Eligible Products: Digital items, gift cards, or top-ups may not be supported.
💡 Tip: TikTok PayLater is automated. You cannot manually unlock credit limits, and your limit is based on payment behavior.
✅ Steps to Activate TikTok PayLater
Go to Profile → Your Orders → PayLater.
Click Check My Limit.
Verify your phone number.
Upload your IC (front & back) and take a selfie.
Complete your profile (email, education, income, etc.).
TikTok reviews your credit—approval takes 1–3 working days.
Once approved, you can shop with PayLater! Just choose your installment plan and pay back on the due date.
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So, what do you think? Are TikTok PayLater and MoneyBull worth it? Drop your thoughts in the comments—I’d love to hear your experiences!
Don’t forget to like, share, and subscribe so your friends know the real deal about BNPL platforms. 🚀
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