Frequently Asked Questions (FAQ)


Where can I shop?

At this stage, you can only use Pay It Later with our approved Merchants. Head to our website to check out our range of online and in-store merchants: https://www.payitlater.com.au/stores/. 

 What's the payment frequency?

Our instalments are due on a weekly basis.

When you make a purchase, you will get a schedule that will outline what dates the instalments are due.  

Reminders will also be sent when upcoming payments are due.

How do I use Pay It Later to shop online?

To make a purchase online, simply checkout with one of our Pay It Later Merchants! You can view them here: https://www.payitlater.com.au/stores/  or go to the Menu on our app, and go to “Where can I shop?”.

Once on the Payment screen, select “Pay It Later” as your payment option. You will be redirected to the Pay It Later website to complete your purchase.   

35% of your order will be paid at the time of purchase. The remaining will be split equally between three weekly payments.   

How do I use Pay It Later to shop in-store?

To use Pay It Later in-store the Merchant will generate a QR Code.

Open the Pay It Later app on your device and click the “Scan” button, your camera will appear, scan the QR Code displayed on the Merchant’s device.

Your payment plan will then appear, once ensuring you are happy with the payment schedule, click accept to confirm the order. You will then receive an order confirmation screen showing that your order has gone through.   

35% of your order will be paid at the time of purchase. The remaining will be split equally between three weekly payments.   

What is my shopping limit? Can I increase it?

Currently, we have limits between $500 and $1,000.  

Your spending limit is determined by a number of factors on an individual basis. We are unable to increase or decrease your limit.

You can view your spending limit in our app! 

What are the fees with Pay It Later?

Want to know more about the different product fees Pay It Later charges its customers? Head to the corresponding product fee page for more information.  

Shopper/Merchant Fees:  https://www.payitlater.com.au/fees/  

Buyer/Seller Fees (P2P Transactions):  https://www.payitlater.com.au/buyer-seller-fees/  

Updating Details 

How do I change my credit card/payment method?

If you wish to change your payment method, you need to use the Pay It Later app.  

To change your card details that are linked to your account payments, please follow the instructions below:
1. Log in to the Pay It Later app.
2. Click on “Menu”.
3. Click on “Settings”.
4. Choose “Modify Payment Method”.
5. Enter your card details.
To change your Wallet funding source or bank account for Wallet withdrawals, follow the instructions below:
1. Log in to the Pay It Later app.
2. Click on “Wallet” or “Balance”.
3. Click on “Funds Management”.
4. Enter your details.
How do I update my personal details?

You can update your details easily on our Pay It Later app, available to download in either the App Store or Google Play store.

Once logged in, click “Menu” and click “My Profile”. Here you will be able to update your phone, email, home address, date of birth or profile information.  

Lost, stolen, cancelled or expired bank card

If your card is lost, stolen, cancelled or expired, let a member of our customer service team know immediately. We will be able to arrange alternative payment methods if a secondary card isn’t available.

If you do not let our customer service team know, we will not be able to remove the late fees that are applied to your account.  

Managing My Account

How do I change my password?

If you wish to get access to your account and don’t have the password, you will need to do a password reset.  

To do so, click the below link and follow the prompts.  


If you have not forgotten your password but wish to update it click on “Menu”, then “Settings” and then “Change Password”.

I can't log in to my account

Ensure that the email you are logging in with is the same one connected to your Pay It Later account and your password is correct.

If you are still unable to log in, please email our support team at support@payitlater.com.au.

I can't verify my ID

Our system allows three attempts to verify your identification before locking you out, but we are still able to verify your ID.

If you could please send a copy of your document (Drivers licence, Medicare card or Passport) to support@payitlater.com.au and we will verify it manually for you.  

Please note, your document must be valid and not expired, suspended, replaced, lost etc. Otherwise, we will not be able to verify the document for you either.  

How do I see how much I owe?

If you wish to see your orders in progress, how much you owe or when your next instalment is due, you can log in to the Pay It Later app. 

On the homepage, you can see “Currently Owe”, click on this to see your current order schedule, make a payment and see your order history. 

I can't add my bank card as my payment method

​When adding a payment card the card needs available funds in order to successfully be added. Ensure your card is valid and has available funds. 

If you are still unable to add your card, please email our support team at support@payitlater.com.au.

I want to cancel my account

We are happy to close your account. Just make sure you have no outstanding disputes/chargebacks and no outstanding payments or funds. If you have these we won’t be able to close your account. 

If you have no outstanding orders or disputes just get in touch with our support team at support@payitlater.com.au. 

I am receiving an Error Code

If you receive an error code at any point of the signup or checkout process, please take a screenshot of it and email the screenshot to support@payitlater.com.au.

Managing Orders and Refunds

I want to cancel or refund my order

To cancel or refund your order, you need to request the merchant that you initially shopped from to process a refund/cancellation request.  

The merchant will then update your information and our system, which will then automatically check and adjust your instalment payments and process any refunds owing to you.  

As you can understand, we are a payment platform and do not know of the specific arrangements between you and the merchant.   

Please make sure you reach out to them ASAP, as we are unable to stop payments (including late fees) unless they put through a request through our system.

Where is my order?

We are a payment processing platform and do not have specific information about your order.  

If you wish to enquire about the status of your order or to make changes to your order, you will need to contact the merchant that you purchased the goods from.  

Can I make a manual payment?

Log in to the Pay It Later app and click on “Currently Owe”, from there you can tick which instalments you want to manually pay, and choose your payment method. Confirm the payment via the button at the bottom.

Changing Payment Dates

I need help paying off my order

We do offer our Shoppers the option of a new payment plan when they are experiencing financial difficulties.   

We charge Shoppers a payment plan fee of $10, which will be paid as a new instalment due at the end of their payment plan.

The new payment plan can move a Shopper’s next payment back by up to two weeks, and pay off the instalments either weekly or fortnightly. 

If you wish to have a payment plan made, get in touch with our friendly customer service staff at support@payitlater.com.au.

I want to move my next payment

We can do that but we do charge a fee of $10 to move payments. 

This is because in order to move a payment we do have to move all payments. 

We do give shoppers the option of paying instalments fortnightly to justify this fee. 

If you wish to have a payment plan made, get in touch with our friendly customer service staff at support@payitlater.com.au. 

Person 2 Person (P2P)

How do I register for P2P (as a Buyer or Seller)?

If you don’t currently have a Pay, It Later accounts, you can register in under 5 minutes by following the quick and easy steps below.   


  1. Download the Pay It Later app via the app store.  
  2. Select ‘Register as a User’.  
  3. Follow the prompts to create an account (mobile and email verification, and complete “Profile).  
  4. You can now start selling your items.  


  1. Download the Pay It Later app via the app store.  
  2. Select ‘Register as a User’.  
  3. Follow the prompts to create an account by completing all six signup stages.  
  4. You will now be able to begin buying items using the ‘Scan’ option.  
How do I use Pay It Later for a P2P transaction?

The P2P feature can be used for any person-to-person transaction if both parties agree and have signed up for Pay It Later.   

Using the P2P feature to Buy or Sell is quick and easy! There are a few different ways of completing a P2P transaction. The breakdown is detailed below for you.   


To sell your item in person:   

  1. Click the “Receive” button.  
  2. Enter the amount you’re selling the item for and confirm.  
  3. Show the Buyer the QR code to scan.  
  4. Once the Buyer has accepted the payment, you will be able to see the funds in your “Wallet”.  
  5. You can either withdraw your funds from your wallet seven days after your purchase or use the funds to pay off other Pay It Later orders straight away.  


To buy an item in person:   

  1. Click the “Scan” button and scan the QR code from the Seller’s device.  
  2. Accept the Payment Plan and pay your first instalment.  
  3. Receive your newly purchased item from the Seller.  
How do I withdraw my Wallet funds?

Once you sell your item, the funds will appear in your wallet automatically. Seven days after selling your item/s, you will be able to withdraw the available funds as indicated in your “Available Funds” balance. To initiate the withdrawal functionality, simply select the ‘withdraw’ button, and the amount will be transferred into your nominated bank account. Please allow regular bank transfer time to receive the funds into your bank account.   


Stolen Identity

If you believe someone has stolen your identity and made a Pay It Later account, you need to do the following:  

Contact ID Care by visiting their website here: https://www.idcare.org/ or calling 1300 IDCARE this is a free service that will provide information on how you should proceed.   

You can also go to ACCC Scamwatch webpage here: https://www.scamwatch.gov.au/ and report the scam.  

Once you advise us of the situation, we will block the account from making more purchases and submit an SMR to AUSTRAC.

ID Care will advise if you need any information from us. If you do, just email us so we can provide the necessary information.   


If your question has not been answered above, please contact support@payitlater.com.au or via the contact box below. 

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