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We understand how concerning it can be to see your SPayLater account locked. Let us provide some clarity and guidance to help you navigate this situation.

Factors Influencing Account Review

Please know that these measures are in place to maintain fairness and security for all our customers. 

• Late or missed payments may affect your account status

• Multiple risk factors are considered for SPayLater eligibility

• Periodic reviews ensure different accounts enjoy varying benefits

• Shopee reserves the right to adjust account accessibility over time

Guidelines to Prevent Account Locking

• Ensure that you make your payments on time to avoid your SPayLater account from being locked. You can refer here for more information on late charges. To make repayments for your SPayLater bills, you can also follow the steps here. 

• Please do not participate in any activities or transactions against SPayLater’s Terms of Service.
  
  

Impact of Account Locking

• If one credit product is locked, other Shopee credit products offered, such as SLoan for Seller, SLoan for Buyer, and QuickFund, will also be unavailable as your account is locked.

• Your Shopee account may also be locked.  

Explore Other Payment Options

We encourage you to explore Shopee's various payment methods for future purchases. To learn more, refer to the article 'What payment options does Shopee support?'

We appreciate your understanding and encourage you to continue maintaining good repayment habits to strengthen your financial profile. If you have further questions or need assistance, please don’t hesitate to contact us.

SPayLater is a service provided by SeaMoney Capital Malaysia Sdn Bhd.