Pay Later, the flexibility you need to succeed

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.
Coming soon…

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.
Coming soon…

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.
Coming soon…

  • 2

    MONTHS

  • 2

    MONTHS

  • 2

    MONTHS

  • 2

    MONTHS

  • 2

    MONTHS

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.

Amount ()

Pay Later Plan

One time fee€6.99
1st repayment€125.00
2nd repayment€125.00
Total payments€256.99

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 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.

Your trusted financial partner

With the Trustpilot reviews from users who trust us, our average score is 4 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.

Your trusted financial partner

With the Trustpilot reviews from users who trust us, our average score is 4 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.

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.

© wamo 2024, all rights reserved wamo & the wamo logo are trademarks and trade names of wamo technology Limited and may not be used or reproduced without consent of the owner

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All Rights Reserved. @ 2024 WAMO

wamo.io LTD (Firm Reference Number: 922901) is a distributor of Modulr FS Limited, a company registered in England and Wales with company number 09897919, which is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900573) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr FS Limited. Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011 – for more information please see this link.


The wamo card is issued by Modulr FS Limited pursuant to a license by Visa Europe. Visa and the Visa brand mark are registered trademarks of Visa Europe.


Wamo Solutions LTD is a partner of Modulr Finance B.V., a company registered in the Netherlands with company number 81852401, which is authorised and regulated by the Dutch Central Bank (DNB) as an Electronic Money Institution (Firm Reference Number: R182870) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr Finance B.V. Your funds will be held in one or more segregated accounts and safeguarded in line with the Financial Supervision Act (Wet op het Financieel Toezicht, Wft) – for more information please see link.


The wamo card is issued by Modulr Finance B.V. pursuant to a license by Visa Europe. Visa and the Visa brand mark are registered trademarks of Visa Europe.

© wamo 2024, all rights reserved wamo & the wamo logo are trademarks and trade names of wamo technology Limited and may not be used or reproduced without consent of the owner

Download wamo App

All Rights Reserved. @ 2024 WAMO

wamo.io LTD (Firm Reference Number: 922901) is a distributor of Modulr FS Limited, a company registered in England and Wales with company number 09897919, which is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900573) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr FS Limited. Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011 – for more information please see this link.


The wamo card is issued by Modulr FS Limited pursuant to a license by Visa Europe. Visa and the Visa brand mark are registered trademarks of Visa Europe.


Wamo Solutions LTD is a partner of Modulr Finance B.V., a company registered in the Netherlands with company number 81852401, which is authorised and regulated by the Dutch Central Bank (DNB) as an Electronic Money Institution (Firm Reference Number: R182870) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr Finance B.V. Your funds will be held in one or more segregated accounts and safeguarded in line with the Financial Supervision Act (Wet op het Financieel Toezicht, Wft) – for more information please see link.


The wamo card is issued by Modulr Finance B.V. pursuant to a license by Visa Europe. Visa and the Visa brand mark are registered trademarks of Visa Europe.

© wamo 2024, all rights reserved wamo & the wamo logo are trademarks and trade names of wamo technology Limited and may not be used or reproduced without consent of the owner

Download wamo App

All Rights Reserved. @ 2024 WAMO

wamo.io LTD (Firm Reference Number: 922901) is a distributor of Modulr FS Limited, a company registered in England and Wales with company number 09897919, which is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900573) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr FS Limited. Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011 – for more information please see this link.


The wamo card is issued by Modulr FS Limited pursuant to a license by Visa Europe. Visa and the Visa brand mark are registered trademarks of Visa Europe.


Wamo Solutions LTD is a partner of Modulr Finance B.V., a company registered in the Netherlands with company number 81852401, which is authorised and regulated by the Dutch Central Bank (DNB) as an Electronic Money Institution (Firm Reference Number: R182870) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr Finance B.V. Your funds will be held in one or more segregated accounts and safeguarded in line with the Financial Supervision Act (Wet op het Financieel Toezicht, Wft) – for more information please see link.


The wamo card is issued by Modulr Finance B.V. pursuant to a license by Visa Europe. Visa and the Visa brand mark are registered trademarks of Visa Europe.