Sell more with buy now pay later for every customer

Let customers split any purchase into 2 to 6 easy instalments while you get paid in full upfront

Growth right in your hands

Offer instalments your customers can trust, while you get paid upfront and build lasting loyalty

Get paid upfront

Receive the full payment right away while your customers pay in instalments. We handle the collections, so your cash flow stays healthy.

Attract new customers

Reach shoppers who look for flixable payment options and win customers your competitors are missing.

Sell across Moby

Offer pay later online, in-store, and on mobile, so customers can buy wherever and whenever they shop.

Quick and easy integration

Go live fast with plugins for WooCommerce, Shopify and more, or connect directly through our API.

Real-time merchant dashboard

Track orders, payments, and settlements in one place, with clear reports that make reconciliation easy.

Built-in cashback

Reward customers with cashback they can spend at your store.

Your customer pays later, you get paid in full immediately

When customers split their purchase into instalments, Moby pays you the full amount upfront. We take care of the collections, so you get healthy cash flow without chasing a single payment

Flexible instalment plans your customers will love

Give shoppers the freedom to pay their way, interest-free, while you get paid upfront every time.

Pay in full

Customers pay the full amount at checkout. Quick, secure, and with no extra steps.

Pay in 2

Customers split the price into 2 equal, interest-free monthly payments

Pay in 4

Bigger purchases easier to afford, with 4 equal monthly payments and a fixed total

Pay in 6

Ideal for high-value purchases, spread over 6 months with no interest

Create your own plan

Choose 2, 4 or 6 payments to suit your products and customers

Smart tools to maximise your sales

Make it easier for customers to say yes with Moby from the product page to the final payment

Display on-site messaging

Display payment with Moby Islamic on your product pages, so bigger purchases feel affordable.

Choose Moby Islamic at checkout

Customers select Moby Islamic at online checkout, in the Moby Islamic app, or at your POS terminal

Pick a plan and pay

Customers choose their plan and make the first payment to confirm the purchase, in just a few taps

Secure, transparent, and built for trust

Secure payments

Every transaction is protected with bank-grade encryption and advanced fraud checks, keeping your business and your customers’ data safe.

Clear, upfront terms

Customers see exactly what they’ll pay and when before they confirm. No surprises, which means fewer disputes and happier customers.

Responsible approvals

Every customer goes through a quick eligibility check, so plans are offered to shoppers who can afford them and repayments stay on track.

Tap into thousands of Moby mobile shoppers

List your store in the Moby app, where shoppers discover your shop and pay in interest-free instalments. More visibility, more sales

Offer your buy now pay later across Moby

Let customers pay in instalments online, by payment link, or at your counter, while you get paid upfront every time. One setup, every channel

Turn every pay later sale into a repeat sale with built-in cashback

Create your own cashback offers and reward customers every time they shop with Moby. Cashback is saved to their account for your store, giving them a reason to come back and spend again

Moby pay later pricing

Processing fees apply. Instalment rates vary by plan length. Prices are subject to change.

Paid upfront

No interest

Pay in 2, 4 and 6

3% to 6%

Your all payments in one dashboard

Access and manage your payments, refunds and more with powerful all-in-one dashboard, designed to help you make your business work smarter

All your pay later sales in one dashboard-lg (1)

All your pay later sales in one dashboard-sm (1)

Frequently asked questions

Everything you need to know about Moby Pay Later.

What is Moby Pay Later?

It’s a buy now pay later service that lets your customers split their purchase into easy instalments, while you receive the full payment upfront.

How is it different from Moby Islamic Pay Later?

Both let your customers pay over time while you get paid upfront. Moby Islamic Pay Later is structured under Islamic finance principles for shoppers who prefer a Shariah-compliant option, while Moby Pay Later is a flexible pay later option for every customer.

How do I get paid?

You receive the full order amount upfront, even when your customer chooses to pay in instalments. Moby takes care of collecting the instalments, and you can track every payment and settlement in your merchant dashboard.

How does it help my business grow?

When customers can split the cost into smaller payments, bigger purchases feel easier to afford. That helps more shoppers complete their purchase, increases your average order value, and brings in customers who prefer to spread the cost.

Where can my customers use Moby Pay Later?

Your customers can choose Moby Pay Later wherever you sell with Moby: at your online checkout, through payment links shared on WhatsApp, social media, or email, and at your in-store POS terminal. One setup covers every channel.

Can I reward my customers with cashback?

Yes. You can create your own cashback offers and reward customers every time they shop with Moby Pay Later. Cashback is saved to their account for your store, giving them a reason to come back and buy again.

How much does it cost?

You pay a small fee per transaction: 1.5% for pay in full, and 3% to 6% for instalment plans, depending on plan length. Processing fees apply.

Which instalment plans can I offer?

You can offer pay in full, or let customers split their purchase into 2, 4, or 6 monthly instalments. You can also create your own plan anywhere from 2 to 6 payments, choosing shorter plans for everyday items and longer ones for bigger purchases.