Sell the big items. Let them pay later.
Add SPayLater, PayLater by Grab and Boost PayFlex to your checkout. Buyers who would wait for payday can split the purchase into instalments and buy today.
Trusted by these companies
Pay-later your customers already use
Before & after BCL
Watch a payday hesitation turn into a booking made today, with the provider collecting each instalment.
We struggled to offer enough payment options for customers we closed manually, but BCL changed everything. With instant transfer, credit card and BNPL options, it made payments easier and boosted our conversion rates.
NurnabilahDirector, AMRU
How it works
Bayarcash switches it on, you tick it on the form, and buyers choose it at checkout.
What you can do
SPayLater, PayLater by Grab and Boost PayFlex sit beside FPX on forms, tickets and bookings.
Tick pay-later on any form
Once Bayarcash switches the channels on for your portal, they appear in Payment Option under Buy Now, Pay Later. Tick SPayLater, SPayLater QR, Grab PayLater or Boost PayFlex QR, then click Update Form. Buyers who want to spread a bigger purchase pick it at checkout, while FPX and DuitNow QR stay on for everyone else.
Keep the full sale
Each pay-later and e-wallet channel has its own Bayarcash rate, set on the Enterprise Package tab of the Gateway Fee page. Choose Full Payout and the customer pays just enough extra to cover it, so you receive the full sale amount. Try a typical sale in the Fee Calculator before you save.
Three pay-later providers
SPayLater, PayLater by Grab and Boost PayFlex, once Bayarcash switches them on.
On forms, tickets, bookings & links
Payment forms, event forms, booking forms and payment links all have the same Payment Option list.
Full Payout on every channel
Set Full Payout on the Gateway Fee page, so the customer pays enough to cover the Bayarcash rate.
Pay-later by QR
SPayLater and Boost PayFlex also work by QR: buyers scan and pay later from their app (SPayLater QR, Boost PayFlex QR).
Next to FPX & DuitNow QR
Pay-later adds choice. Buyers without a pay-later account still pay by online banking or QR.
Who uses it
Raya collections, bridal packages, VIP dinner tables and holiday classes are easier to buy this way.
How your customers pay
Pay-later sits alongside FPX and DuitNow QR, which come as standard. Cards and e-wallets are also switched on by Bayarcash.
Real payments need an approved Bayarcash account; in Test Mode the Payment Option list shows every sandbox channel, but a channel only works live once it is on for your live portal.
- Standard
- Cards
- E-wallets
- Buy Now, Pay Later
- Cross-border QR
Good to know
Limits to check before you build, and the add-ons that some features need.
- Bayarcash switches pay-later on for your portal. BCL cannot turn it on by itself.
- Each channel has its own Bayarcash rate. Check it with Bayarcash first.
- The pay-later provider decides who qualifies and the instalment terms, not BCL.
- BCL has no Atome channel.
- Keep FPX and DuitNow QR on too, for buyers without a pay-later account.
See it live
Opens a live example page. Please do not pay.
- Payment form Bridal Makeup and Inai Package by Seri Andaman Bridal Pay in full or with SPayLater, PayLater by Grab or Boost PayFlex Seri Andaman Bridal, a bridal makeup and inai artist in Kota Bharu Open the example
- Payment form Monthly Tuition Fee: Form 3 Maths Single Amount Cerdik Tuition Centre, a tuition centre collecting its RM 120 monthly class fee Open the example
Questions owners ask
Which providers you can offer, whether you receive the full amount, and where pay-later appears.
Can my customers pay later with SPayLater, PayLater by Grab or Boost PayFlex?
Malaysian businesses on BCL can offer SPayLater, PayLater by Grab and Boost PayFlex on payment forms, event tickets, bookings and payment links. Bayarcash switches the channels on for your portal, then you tick them in the form's Payment Option. The provider decides who qualifies and collects the instalments.
Which pay-later options can my customers use?
SPayLater, PayLater by Grab and Boost PayFlex, once Bayarcash has switched them on for your portal. Then tick them in the form's Payment Option.
Do I get the full amount?
Each channel has a Bayarcash rate. With Full Payout on the Gateway Fee page, your customer pays enough extra to cover it, so you receive the full sale.
Can I offer pay-later on a payment link?
Yes. Pick the channel in Payment Option when you create the link, or let your customer choose.
Does BCL support Atome?
No. BCL shows no Atome channel. The pay-later options are SPayLater, PayLater by Grab and Boost PayFlex.
Can I start before my Bayarcash account is approved?
Yes. New accounts start in Test Mode, so you can build and try your forms first. Test payments go to the Bayarcash sandbox and nothing is charged. Your forms keep working after you connect Bayarcash.
Step-by-step guides
Set it up with the help pages on docs.bcl.my.
Ready when you are.
Set up your first form today and try it out. When you are ready for real payments, connect Bayarcash and the same form goes live.