# Buy now, pay later through DuitNow QR

> How SPayLater and Boost PayFlex work when your customer scans your DuitNow QR code, and how this differs from a direct pay later channel.
>
> Source: https://docs.bayarcash.com/pay-later-duitnow-qr/

Your customer can pay in instalments with SPayLater or Boost PayFlex when they scan your DuitNow QR code. You do not set up anything new: if your portal accepts DuitNow QR, your customer can already do this.

## How it works

The customer chooses the instalment plan inside their own app, after the scan:

1. Your checkout shows your DuitNow QR code.
2. The customer scans it with the ShopeePay app or the Boost app.
3. In the app, they choose **SPayLater** or **Boost PayFlex** and an instalment plan.
4. They confirm the payment in the app.

You get a DuitNow QR payment for the full amount. The instalments are between your customer and the provider. To see each app screen, see [How your customer pays with DuitNow QR](/duitnow-qr-payment-steps/#buy-now-pay-later).

## Through DuitNow QR or a direct channel

A direct pay later channel is a separate channel on your checkout. This table shows the differences:

| | Through DuitNow QR | Direct pay later channel |
|---|---|---|
| Setup | Nothing to set up. It works with DuitNow QR. | Apply to Bayarcash first. |
| Where the customer chooses the plan | In their app, after the scan | On your checkout |
| Your fee | The DuitNow QR fee only. The customer pays any instalment charge to the provider. | The pay later fee |
| Limit for each payment | SPayLater: maximum RM 1,000. Boost PayFlex: no fixed maximum at the moment, but Boost can change this. | Higher, up to the customer's full limit |
| Plans on your checkout | Not shown | Shown |

The fees for each channel are on the [Payout calculator](/payout-calculator/) page.

## Which one to use

Pay later through DuitNow QR costs you nothing extra, and it needs no setup. SPayLater through DuitNow QR stops at RM 1,000. For a larger amount, the customer must use another way to pay. Boost PayFlex has no fixed maximum at the moment. The provider can change its limits at any time.

A direct pay later channel suits higher amounts, and it shows pay later on your checkout. You can use both: keep DuitNow QR on, and add a direct channel when your customers buy larger items.

## Tips

- **Do not promise a pay later limit to your customers.** SPayLater stops at RM 1,000 through DuitNow QR. The providers can change their limits, and each customer's own limit can be lower.
- **Tell your customers about pay later in their app.** Your checkout shows only the DuitNow QR code. Many customers do not know about this option.

## Common issues

### My customer has SPayLater, but the option does not show when they scan my QR code. Why?

Through DuitNow QR, the maximum for SPayLater is RM 1,000 for each payment. For a larger amount, or if the customer's own limit is lower, the app shows no SPayLater option. The customer can pay with their wallet balance or a bank account instead.

### Do I pay a pay later fee when my customer uses SPayLater through DuitNow QR?

No. You get the full amount as a DuitNow QR payment, at the DuitNow QR fee. The customer pays any instalment charge to the provider. See Payout calculator (/payout-calculator/) for the fees.