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For Shopee Marketplace transactions, your order will only be billed to SPayLater after it is completed. An order is considered completed when you click Order Received or when the system automatically marks it as completed after the order is delivered to you.
For SPayLater transactions on ShopeeFood or at offline physical stores, the transaction will be billed immediately upon order completion.
SPayLater is a service provided by Monee Capital Malaysia Sdn. Bhd. (formerly known as SeaMoney Capital Malaysia Sdn. Bhd.).