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How Pay Later works
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.
Keep your good credit score
Payments will have zero effect on your credit score.
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.
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.