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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.

• The SPayLater page displays Sorry, your SPayLater is locked as your account failed to meet our confidential criteria.

You receive a push notification in Finance Updates: 'We have reviewed your SPayLater account; unfortunately, it no longer meets the qualifying criteria. However, timely bill repayments are essential to avoid late fees and maintain a good repayment history with Shopee and other credit institutions in Malaysia.'

Factors Influencing Account Review

• Multiple risk factors considered for SPayLater eligibility
• Periodic reviews ensure different accounts enjoy varying benefits
• Shopee reserves the right to adjust account accessibility over time

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

Effect on Other Credit Products

If one credit product is revoked, other Shopee credit products, such as SLoan for Seller, SLoan for Buyer, and QuickFund, will also be unavailable.

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.