Pay Later, the flexibility you need to succeed
Pay Later, the flexibility you need to succeed
Pay Later lets you decide which payments to prioritise by giving you a month’s breathing space then splitting rapayments up into two monthly installments.
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How Pay Later works
Manageable repayments
Pay nothing for a month then pay in two monthly installments. Simple.
Manageable repayments
Pay nothing for a month then pay in two monthly installments. Simple.
Manageable repayments
Pay nothing for a month then pay in two monthly installments. Simple.
No surprises
Installments are fixed, so you’ll never have interest rate increases.
No surprises
Installments are fixed, so you’ll never have interest rate increases.
No surprises
Installments are fixed, so you’ll never have interest rate increases.
Keep your good credit score
Payments will have zero effect on your credit score.
Keep your good credit score
Payments will have zero effect on your credit score.
Keep your good credit score
Payments will have zero effect on your credit score.
Need some time? You can choose to Pay Later
Pay Later on eligible purchases
Look for the Pay Later option in your debit card transactions to delay payment in a tap.
Activate Pay Later
Check repayment
Control all your repayments
Calculate your Pay Later Installments
See what your payments will look like with your chosen plan.
Pay Later Plan
Payment details and terms are representative and may change during the processing.
Your trusted financial partner
With the Trustpilot reviews from users who trust us, our average score is 4.3 out of 5.
JS
November 03, 2023
Banking on a budget
What's not to love about Wamo? Their banking fees are so low, it feels like I'm saving money every time I make a transaction. It's like having a financial wizard in your corner.
EH
November 06, 2023
Warp-speed money moves
If you're all about speed, Wamo is where it's at. Their money transfer process is like something out of a sci-fi movie. It's fast, it's furious, and it's fantastic!
CU
October 26, 2023
Easy and straight forward
Easy and straight forward process to open an account. The Commercial team and the Support team helped a lot. Thank you! We look forward to starting to work with the account.
JS
November 03, 2023
Banking on a budget
What's not to love about Wamo? Their banking fees are so low, it feels like I'm saving money every time I make a transaction. It's like having a financial wizard in your corner.
EH
November 06, 2023
Warp-speed money moves
If you're all about speed, Wamo is where it's at. Their money transfer process is like something out of a sci-fi movie. It's fast, it's furious, and it's fantastic!
CU
October 26, 2023
Easy and straight forward
Easy and straight forward process to open an account. The Commercial team and the Support team helped a lot. Thank you! We look forward to starting to work with the account.
JS
November 03, 2023
Banking on a budget
What's not to love about Wamo? Their banking fees are so low, it feels like I'm saving money every time I make a transaction. It's like having a financial wizard in your corner.
EH
November 06, 2023
Warp-speed money moves
If you're all about speed, Wamo is where it's at. Their money transfer process is like something out of a sci-fi movie. It's fast, it's furious, and it's fantastic!
CU
October 26, 2023
Easy and straight forward
Easy and straight forward process to open an account. The Commercial team and the Support team helped a lot. Thank you! We look forward to starting to work with the account.
JS
November 03, 2023
Banking on a budget
What's not to love about Wamo? Their banking fees are so low, it feels like I'm saving money every time I make a transaction. It's like having a financial wizard in your corner.
EH
November 06, 2023
Warp-speed money moves
If you're all about speed, Wamo is where it's at. Their money transfer process is like something out of a sci-fi movie. It's fast, it's furious, and it's fantastic!
CU
October 26, 2023
Easy and straight forward
Easy and straight forward process to open an account. The Commercial team and the Support team helped a lot. Thank you! We look forward to starting to work with the account.
Your trusted financial partner
With the Trustpilot reviews from users who trust us, our average score is 4.3 out of 5.
JS
November 03, 2023
Banking on a budget
What's not to love about Wamo? Their banking fees are so low, it feels like I'm saving money every time I make a transaction. It's like having a financial wizard in your corner.
EH
November 06, 2023
Warp-speed money moves
If you're all about speed, Wamo is where it's at. Their money transfer process is like something out of a sci-fi movie. It's fast, it's furious, and it's fantastic!
CU
October 26, 2023
Easy and straight forward
Easy and straight forward process to open an account. The Commercial team and the Support team helped a lot. Thank you! We look forward to starting to work with the account.
JS
November 03, 2023
Banking on a budget
What's not to love about Wamo? Their banking fees are so low, it feels like I'm saving money every time I make a transaction. It's like having a financial wizard in your corner.
EH
November 06, 2023
Warp-speed money moves
If you're all about speed, Wamo is where it's at. Their money transfer process is like something out of a sci-fi movie. It's fast, it's furious, and it's fantastic!
CU
October 26, 2023
Easy and straight forward
Easy and straight forward process to open an account. The Commercial team and the Support team helped a lot. Thank you! We look forward to starting to work with the account.
JS
November 03, 2023
Banking on a budget
What's not to love about Wamo? Their banking fees are so low, it feels like I'm saving money every time I make a transaction. It's like having a financial wizard in your corner.
EH
November 06, 2023
Warp-speed money moves
If you're all about speed, Wamo is where it's at. Their money transfer process is like something out of a sci-fi movie. It's fast, it's furious, and it's fantastic!
CU
October 26, 2023
Easy and straight forward
Easy and straight forward process to open an account. The Commercial team and the Support team helped a lot. Thank you! We look forward to starting to work with the account.
JS
November 03, 2023
Banking on a budget
What's not to love about Wamo? Their banking fees are so low, it feels like I'm saving money every time I make a transaction. It's like having a financial wizard in your corner.
EH
November 06, 2023
Warp-speed money moves
If you're all about speed, Wamo is where it's at. Their money transfer process is like something out of a sci-fi movie. It's fast, it's furious, and it's fantastic!
CU
October 26, 2023
Easy and straight forward
Easy and straight forward process to open an account. The Commercial team and the Support team helped a lot. Thank you! We look forward to starting to work with the account.
Your trusted financial partner
With the Trustpilot reviews from users who trust us, our average score is 4.3 out of 5.
JS
November 03, 2023
Banking on a budget
What's not to love about Wamo? Their banking fees are so low, it feels like I'm saving money every time I make a transaction. It's like having a financial wizard in your corner.
EH
November 06, 2023
Warp-speed money moves
If you're all about speed, Wamo is where it's at. Their money transfer process is like something out of a sci-fi movie. It's fast, it's furious, and it's fantastic!
CU
October 26, 2023
Easy and straight forward
Easy and straight forward process to open an account. The Commercial team and the Support team helped a lot. Thank you! We look forward to starting to work with the account.
JS
November 03, 2023
Banking on a budget
What's not to love about Wamo? Their banking fees are so low, it feels like I'm saving money every time I make a transaction. It's like having a financial wizard in your corner.
EH
November 06, 2023
Warp-speed money moves
If you're all about speed, Wamo is where it's at. Their money transfer process is like something out of a sci-fi movie. It's fast, it's furious, and it's fantastic!
CU
October 26, 2023
Easy and straight forward
Easy and straight forward process to open an account. The Commercial team and the Support team helped a lot. Thank you! We look forward to starting to work with the account.
JS
November 03, 2023
Banking on a budget
What's not to love about Wamo? Their banking fees are so low, it feels like I'm saving money every time I make a transaction. It's like having a financial wizard in your corner.
EH
November 06, 2023
Warp-speed money moves
If you're all about speed, Wamo is where it's at. Their money transfer process is like something out of a sci-fi movie. It's fast, it's furious, and it's fantastic!
CU
October 26, 2023
Easy and straight forward
Easy and straight forward process to open an account. The Commercial team and the Support team helped a lot. Thank you! We look forward to starting to work with the account.
JS
November 03, 2023
Banking on a budget
What's not to love about Wamo? Their banking fees are so low, it feels like I'm saving money every time I make a transaction. It's like having a financial wizard in your corner.
EH
November 06, 2023
Warp-speed money moves
If you're all about speed, Wamo is where it's at. Their money transfer process is like something out of a sci-fi movie. It's fast, it's furious, and it's fantastic!
CU
October 26, 2023
Easy and straight forward
Easy and straight forward process to open an account. The Commercial team and the Support team helped a lot. Thank you! We look forward to starting to work with the account.
Frequently asked questions
What is the Pay Later feature?
Pay Later is a new feature that allows users to delay payment on eligible card purchases for one month and then repay in two instalments over the next two months.
How does Pay Later work?
After making a card payment, users can select the Pay Later option next to the transaction in their activity. The initial card payment will not be charged for the first month, and a fixed Pay Later fee is deducted on the same day of the purchase. The first instalment is due one month after the purchase, and the second instalment is due two months after the purchase.
What is the Pay Later fee?
The Pay Later fee is a one-off charge for using the Pay Later feature. The fee is charged immediately once the Pay Later request is confirmed. The Pay Later fee is collected from your account as soon as the card payment has cleared with the recipient, which could be instant or take 1-2 working days.
How can I identify which transactions are eligible for Pay Later?
Every card purchase is automatically considered for Pay Later. Eligible transactions will have a ‘Pay Later’ button next to them in your transaction list. Certain transactions like casino, gambling or lottery payments, fuel dispenser payments, dating & adult services and cash withdrawal transactions are not eligible.
Is there a limit to the number of transactions that can use the Pay Later feature?
You can use Pay Later for card transactions up to a monthly limit of €1000 or £1000. The ‘Pay Later limit’ can be found on the Home screen of your wamo app or desktop version.
What happens if I don't have enough funds for repayment?
The instalments are taken from the account linked to the card used for the purchase. If there are insufficient funds when the instalment payment is due, your account may be frozen.
What is the Pay Later feature?
Pay Later is a new feature that allows users to delay payment on eligible card purchases for one month and then repay in two instalments over the next two months.
How does Pay Later work?
After making a card payment, users can select the Pay Later option next to the transaction in their activity. The initial card payment will not be charged for the first month, and a fixed Pay Later fee is deducted on the same day of the purchase. The first instalment is due one month after the purchase, and the second instalment is due two months after the purchase.
What is the Pay Later fee?
The Pay Later fee is a one-off charge for using the Pay Later feature. The fee is charged immediately once the Pay Later request is confirmed. The Pay Later fee is collected from your account as soon as the card payment has cleared with the recipient, which could be instant or take 1-2 working days.
How can I identify which transactions are eligible for Pay Later?
Every card purchase is automatically considered for Pay Later. Eligible transactions will have a ‘Pay Later’ button next to them in your transaction list. Certain transactions like casino, gambling or lottery payments, fuel dispenser payments, dating & adult services and cash withdrawal transactions are not eligible.
Is there a limit to the number of transactions that can use the Pay Later feature?
You can use Pay Later for card transactions up to a monthly limit of €1000 or £1000. The ‘Pay Later limit’ can be found on the Home screen of your wamo app or desktop version.
What happens if I don't have enough funds for repayment?
The instalments are taken from the account linked to the card used for the purchase. If there are insufficient funds when the instalment payment is due, your account may be frozen.
What is the Pay Later feature?
Pay Later is a new feature that allows users to delay payment on eligible card purchases for one month and then repay in two instalments over the next two months.
How does Pay Later work?
After making a card payment, users can select the Pay Later option next to the transaction in their activity. The initial card payment will not be charged for the first month, and a fixed Pay Later fee is deducted on the same day of the purchase. The first instalment is due one month after the purchase, and the second instalment is due two months after the purchase.
What is the Pay Later fee?
The Pay Later fee is a one-off charge for using the Pay Later feature. The fee is charged immediately once the Pay Later request is confirmed. The Pay Later fee is collected from your account as soon as the card payment has cleared with the recipient, which could be instant or take 1-2 working days.
How can I identify which transactions are eligible for Pay Later?
Every card purchase is automatically considered for Pay Later. Eligible transactions will have a ‘Pay Later’ button next to them in your transaction list. Certain transactions like casino, gambling or lottery payments, fuel dispenser payments, dating & adult services and cash withdrawal transactions are not eligible.
Is there a limit to the number of transactions that can use the Pay Later feature?
You can use Pay Later for card transactions up to a monthly limit of €1000 or £1000. The ‘Pay Later limit’ can be found on the Home screen of your wamo app or desktop version.
What happens if I don't have enough funds for repayment?
The instalments are taken from the account linked to the card used for the purchase. If there are insufficient funds when the instalment payment is due, your account may be frozen.
Solutions
© 2025 wamo. Wamo Solutions Oy is authorised by the Finnish Financial Supervisory Authority (FSA) as an Electronic Money Institution (No. 3368055-9). Visa cards are issued by wamo Solutions Oy.
wamo.io LTD (FRN: 922901) is a distributor of Modulr FS Limited, authorised and regulated by the UK Financial Conduct Authority (FRN: 900573). Payment services and Visa debit cards are issued by Modulr FS Limited.
Wamo Solutions LTD is a partner of Modulr Finance B.V., authorised and regulated by the Dutch Central Bank (DNB, R182870). Payment services and Visa debit cards are issued by Modulr Finance B.V.
Please see here for full details.
Empowering businesses globally with seamless financial solutions. Enabling cost-efficient and instant payments, worldwide.
Solutions
Company
© 2025 wamo. Wamo Solutions Oy is authorised by the Finnish Financial Supervisory Authority (FSA) as an Electronic Money Institution (No. 3368055-9). Visa cards are issued by wamo Solutions Oy.
wamo.io LTD (FRN: 922901) is a distributor of Modulr FS Limited, authorised and regulated by the UK Financial Conduct Authority (FRN: 900573). Payment services and Visa debit cards are issued by Modulr FS Limited.
Wamo Solutions LTD is a partner of Modulr Finance B.V., authorised and regulated by the Dutch Central Bank (DNB, R182870). Payment services and Visa debit cards are issued by Modulr Finance B.V.
Please see here for full details.
Empowering businesses globally with seamless financial solutions. Enabling cost-efficient and instant payments, worldwide.
Solutions
Company
© 2025 wamo. Wamo Solutions Oy is authorised by the Finnish Financial Supervisory Authority (FSA) as an Electronic Money Institution (No. 3368055-9). Visa cards are issued by wamo Solutions Oy.
wamo.io LTD (FRN: 922901) is a distributor of Modulr FS Limited, authorised and regulated by the UK Financial Conduct Authority (FRN: 900573). Payment services and Visa debit cards are issued by Modulr FS Limited.
Wamo Solutions LTD is a partner of Modulr Finance B.V., authorised and regulated by the Dutch Central Bank (DNB, R182870). Payment services and Visa debit cards are issued by Modulr Finance B.V.
Please see here for full details.