Frequently Asked Questions (FAQ)

For Shoppers

New to PaySlowSlow

What is PaySlowSlow?

PaySlowSlow is a Buy Now, Pay Later service that allows customers to make flexible interest-free payments online over the course of 4 months.

How do I use PaySlowSlow?

You can browse through the different merchants on our website and select PaySlowSlow as your preferred payment method when you pay online or offline.

How can I make a purchase?

For Physical Store: Just scan the QR code and key in the amount to make payment.

For Online Store: Please contact the merchant to send an order link with the exact amount to make payment. You will need to do your eKYC before you make the payment.

Where can I shop?

You can shop with any merchant that has partnered with us here: https://payslowslow.com/my/where-to-shop/

Additionally, you can also shop online on our very own PaySlowSlow shop: https://payslowslowshop.com

Are there any interest or late payment fees using PaySlowSlow?

There are zero interest or hidden fees at all times when you purchase using PaySlowSlow.

However, we do charge a capped rate of RM150 for late payments.

How much can I buy?

You can buy as many items as you want as long as it is within the spending limit.

 

Can I get Loan with PaySlowSlow?

Hi there, Payslowslow does not provide any loan service. PaySlowSlow is providing Buy Now Pay Later service, where instalment payments are made available to shoppers to make purchases with our authorized merchants. You can make purchases with our merchants and pay in 4 monthly instalments with Payslowslow.

Payments

What are you payment options?

You can pay using your credit card or debit card from any bank.

Why was my payment declined?

This could be because you have reached your spending limit. Also, do ensure that you always have sufficient balance in your payment option.

How do I make payments?

Omnichannel payment: You will receive a unique payment link through Whatsapp or email from your selected merchant. The transaction is confirmed once you fill in your details and make your first payment. Your 3 subsequent payments will automatically be deducted from your selected payment option every 30 days.

Physical Retail payment: You will scan the QR code at the selected retail store and fill in the total order amount. The transaction is confirmed once you fill in the details and make your first payment. Your 3 subsequent payments will automatically be deducted from your selected payment option every 30 days.

Can I change my payment date?

To avoid any confusion, your payment dates are fixed to every 30 days.

Can I change payment options?

You can add different payment options through your Shopper Dashboard.

Can I pay early?

Yes, you can! Just log in to your Shopper Dashboard and complete your payments.

Why was my debit card rejected?

This error may be due to the following reasons:

  1. Your debit card may be limited in amount because of the cap that was set by the bank. Kindly check your online account to identify your credit limit and adjust it accordingly.
  2. Your bank might be blocking e-commerce transactions. Do note that we currently do not support prepaid cards. We accept only debit or credit cards from banks.

Credit / Debit Card not able to link with PaySlowSlow / Unable to add Card

Common reasons for this issue is that some banks have disabled the Auto Debit function for their Credit / Debit Cards or the transaction limit for the card is set too low.

Please try contacting your local bank to enable Auto Debit function for your Credit / Debit Card.

Increasing your bank card transaction limit will enable the completion of the process.

Shopper not able to add card after checking all this issues

Payment Gateway was unable to get the permission to Auto Debit with this card. It usually happens when the card is declined by the bank, deactivated or there is a hold payment. Please check with your  the bank on the cause and its solution.

Unable to make payment after adding card

Please check the bank balance and ensure there are sufficient funds for the first installment.

Loan

Does PaySlowSlow offer loan facilities?

PaySlowSlow does not provide any loan facilities.

We are a Buy Now, Pay Later platform, where we offer shoppers the option to convert their payments into installment plans with our authorized merchants.

The purpose of a Buy Now, Pay Later service is to enable shoppers to make and enjoy their purchases whilst being able to make payments at a later time.

Should there be anyone offering you a loan service using our platform, please email us at hi@payslowlsow.com

e-KYC (Electronic Know Your Customer)

Reasons for e-KYC denied

Here are the reasons why your e-KYC was denied:

  1. The MyKad NRIC number not match the MyKad NRIC number provided at point of sign up / personal info page.
  2. Image of MyKad submitted is not clear, no taken in full or has reflection.
  3. MyKad is damaged.
  4. We only accept New Version Blue IC (we do not accept Old version IC, Red/Green Colour IC)*

How to do eKYC account verification?

You are required to do eKYC Account Verification upon account registration.

Reasons e-KYC failed

Please make sure the photo uploaded is clear and there is no any dent or stain on your IC.

Orders and Refunds

Why hasn’t my order arrived yet?

Do contact the store you ordered from and provide them the relevant details according to the confirmation email sent to you.

Can I request for a refund?

Do contact the store you ordered from and request for a refund. Once the refund is approved, your account will be updated accordingly.

Do I need to finish paying the full amount before receiving an order?

You will receive your order after you pay the first instalment. The 3 subsequent instalments will be deducted from your payment option every 30 days.

PaySlowSlow Store Partners

Can I suggest a merchant to PaySlowSlow?

Of course, we’d love to hear from you! Just drop us an email at hi@payslowslow.com with the details of the store.

What do I do if I have an issue with a merchant?

Do drop us an email at hi@payslowslow.com and we’ll work something out with the merchant to find a solution for you.

How do I create an account?

You can create an account through our website under ‘Shoppers Sign Up’. However, you don’t need to pre-register an account to pay with PaySlowSlow. Your account is automatically created during the payment process, making it easier for you to make repeat purchases.

Can I change my email and phone number?

You will not be able to change your email and phone number once your account is created for security purposes.

Limit

How much can I buy?

You can buy up to 3 plans as long as it is within the spending limit.

What is the spending limit?

You may contact our customer service team to ask about your spending limit.

OTP

Why not able to receive OTP

You may need to refresh the connection between your phone and your mobile carrier.

Please try:

  • Turning your phone off and on (or restarting if possible)
  • Turning airplane mode on and off
  • Removing and re-inserting your SIM card

Did merchant required OTP when log in?

Only PIC/SSO account required to Key In OTP when log in.

For Merchants

Partnering with PaySlowSlow

How does the payment process work?

Once a shopper makes payment, we will pay you the full amount upfront within 2 business days.

Do you charge for set up and integration?

We only charge a transaction fee. Zero charges for set up and integration.

What happens if the customer stops paying you?

You will still get the full amount upfront. PaySlowSlow is responsible for the collection of the remaining instalments.

Do you offer in-store solutions

Yes, we do. PaySlowSlow is available in physical retail stores, on chat and online stores.

Is there any Max Cap limit?

We look at various factors including the nature of business and products/services sold, volume of monthly transactions and the average price of purchases. The transaction limit will then be determined.

Confirmation Email

I did not receive my Payment Confirmation Email.

Please request the PIC to check on Junk/Spam Folder and add our email to their contact, so the confirmation email won’t go to the spam folder again.

Should you still not receive your confirmation email, please check the email address in your Merchant Dashboard. The Branch Notification Email is the same email.

Why the confirmation email did not show the product description?

Merchant has to fill in the Product Details before they send out the Order Link.

Integrations

What e-commerce integrations do you offer?

We offer integrations for the major e-commerce platforms including but not limited to EasyStore, WooCommerce, PrestaShop, Opencart, Ecwid, and many more through our partner: Betterpay

OTP

Why not able to receive OTP

You may need to refresh the connection between your phone and your mobile carrier.

Please try:

  • Turning your phone off and on (or restarting if possible)
  • Turning airplane mode on and off
  • Removing and re-inserting your SIM card

Did merchant required OTP when log in?

Only PIC/SSO account required to Key In OTP when log in.