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PayLater/Cardless Credit

Last updated 04/01/2020

What is PayLater / Cardless Credit?

With PayLater, you can allow your customers to buy now and pay later in installments. Customers with an active credit line with one of our partner lenders can shop on your store via flexible installment loans.

On top of that, you can enjoy significantly lower payment processing fees than credit cards and bank transfers.

Use Cases


Increased purchasing power for uncarded consumers looking to buy high value items such as gadgets, appliances, and furniture.

Day-to-day purchases

Manage your budget and use credit to pay for essentials and activities such as groceries, food deliveries, clothing, and entertainment.

Utilities and subscription payments

Never miss payments for bills again while waiting for payday to come


No cash or credit card? No problem

Reduce cart abandonment with PayLater. Our PayLater partners offer easy access to credit with their quick application process.

Peace of mind for your customers

Increase your customer’s trust with your platform by giving them options to pay after receiving their orders.

What PayLater/Cardless Credit platform is Available with Xendit?

PayLater is available in Indonesia and the Philippines.

  • Indonesia : Kredivo
  • Philippines : Billease

PayLater Plans

Our PayLater partners offer flexible payment plans suitable for every type of purchase. Your customers can make a one-time payment due in 30 days, or choose installment of up to 12 months.

Loan repayment is a transaction between end-user and PayLater partner only. Full amount will be settled to Merchant regardless of the payment plan chosen by end-user. No chargeback risk for Merchants as our PayLater partners take care of it!

Why use Xendit for Paylater/Cardless Credit Payments?

Xendit offers a truly seamless payment flow for PayLater. As an aggregator, Xendit manages all the integrations with multiple partners so that merchants only have to do it once.

Other reasons why Merchants prefer Xendit:

  1. Proven track record with customers for high service uptime and quick response time
  2. Dedicated tech team to keep up to date with latest features
  3. Handles multiple partner integrations and their unique integration challenges gracefully