Pay Later is the name given to wamo’s new ‘Buy Now Pay Later’ feature. It offers you the option to delay payment on eligible card purchases for one month and then to repay in two instalments over the following two consecutive months.

Using Pay Later for your business would look like this:

  1. You make a card payment on the 22nd of January and would like to split the cost over multiple months, with no percentage interest

  2. You tap the Pay Later button next to the card payment in your Activity and confirm

  3. You won't be charged anything from the initial card payment for the first month

  4. The fixed Pay Later fee will be automatically deducted from your account (more details below) on the same day (22nd of January)

  5. 1 month after the purchase was made, on the 22nd of February, the first instalment will be due on the card payment

  6. The 2nd (last) instalment will be due 2 months after the purchase was made, on the 22nd of March, covering the last half of the card payment

  7. That's it! You've paid off the payment for only a small fixed fee at the start

What is the Pay Later fee?

The Pay Later fee is the amount of money we charge to use the Pay Later feature. It is a one-time fee and is charged as soon as your Pay Later request has been confirmed. The fee table is below, there are no other charges.

When do I have to pay the Pay Later fee?

We collect the Pay Later fee from your account as soon as your card payment has cleared with the recipient (when it is in their account and not pending), this can be almost instant but can also take 1-2 business days.

Can I repay in more than 2 instalments?

For the moment and for the duration of this beta phase we are only offering repayment in 2 instalments over two consecutive months. This may change, we’ll keep you updated!

If you have any other questions about using the Pay Later feature, let us know through our support chat which you can find in your account, in-app or on the web, or via email at

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