Pay Later & Installment Plan

INTRODUCING PAYMENT PLAN

Buy what you love today. Get your favorite items with the installment options below

Flexible Payments.

Pay for your order with interest-free 3, 4, or 7 monthly payments.

Installment Payments is a simple way to pay for your order over time, with instant approval and absolutely no fees!

3 monthly installments. 0% interest. Available online and in-store (For online, just select “Pace” during checkout)

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4 monthly installments. 0% interest. Available online and in-store (For online, just select “Riipay” during checkout)

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3 monthly installments. 0% interest. Available online and in-store (For online, just select “Rely” during checkout)

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3 monthly installments. 0% interest. Available online and in-store (For online, just select “Atome” during checkout)

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7 monthly installments. 0% interest. Available online and in-store (For online, just select “IOUpay” during checkout)

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3 monthly installments. 0% interest. Available online and in-store (For online, just select “Split” during checkout)

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4 monthly installments. 0% interest. Available online and in-store (For online, just select “Paylater By Grab” during checkout)

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4 monthly installments. 0% interest. Available online and in-store (For online, just select “Paylater” during checkout)

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Pace – 3 Monthly Instalments with 0% Interest Rate!

Nuremporium Empire is now partnering with Pace to give you the breathing space to buy now; pay later. Easily split your purchases into three installments spread across three months with no interest at all. Just pay 1/3 of the total price, and we will deliver your item immediately!

  • 3 Monthly Easy Payments
  • Pay for your purchase in three zero-interest installments (due every month).
  • Link with either debit or credit card to use.
  • No Interest, No Catch
  • Always zero interest, NO additional fees when you pay on time.
  • Just pay a 33% deposit and receive the items first!

FREQUENTLY ASKED QUESTIONS

Pace is a service that offers installments plans to their customer. A checkout/purchase is split into three equal installments with 0% interest. Installments are due monthly.

There will be no interest or hidden service fees if you pay all your scheduled installments on time, but a one-time convenience fee will be charged for your purchase(s).

Simply select Pace as your payment method during checkout, and your interest-free installments will take place immediately.

You’ll also be able to check your Pace account via our shopping app to see the status of your payments.

Pace only accepts Visa and Mastercard debit and credit cards issued in Malaysia. Unfortunately, Pace does not accept any prepaid cards, e.g., BigPay or foreign debit cards.

Your first payment will be charged upon approval at the time of purchase. After that, subsequent payments will be automatically charged to your card every month.

Yes, spending limits may vary depending on the individual order and customer. However, for your first few transactions, the maximum transaction limit will be RM3000.

Anyone who has:

  • A Malaysian residential address
  • A Malaysia issued debit or credit card
  • Is above the age of 18

Riipay – 4 Monthly Instalments with 0% Interest Rate!

Nuremporium Empire is now partnering with Riipay to give you the breathing space to buy now, pay later. Easily split your purchases into three installments spread across three months with no interest at all. Just pay 33% of the total price, and we will deliver your item immediately!

  • 4 Monthly Easy Payments
  • Pay for your purchase in four zero-interest installments (due every month).
  • Link with either debit or credit card to use.
  • No Interest, No Catch
  • Always zero interest, NO additional fees when you pay on time.
  • Just pay a 33% deposit and receive the items first!

FREQUENTLY ASKED QUESTIONS

Riipay is a budgeting tool that enables customers to pay for their purchase in 4 monthly payments.

Simply select Riipay as your payment method during checkout.

There will be no interest, but a one-time convenience fee will be charged for your purchase(s).

When you purchase Riipay, you will be required to make your first payment (1/3 of the price) upfront.

Riipay provides auto-debit payments, which means your installment will be taken automatically from your preferred card on the due date. You need to make sure there are sufficient funds in your account.

You don’t need to register before making your first purchase with Riipay.

Select Riipay as your payment method during checkout OR request a payment link from us. Then, you need to checkout with simples details as usual to complete your purchase.

Once your order is approved, your Riipay account is created.

Riipay accepts both debit and credit cards from all banks issued in Malaysia.

Riipay doesn’t accept prepaid cards or foreign-issued cards.

Yes! You may choose to pay early for either one or two installments.

Whatsapp here or e-mail to [email protected] to arrange an early settlement.

Good payment behavior such as early payment will help in increasing your spending limit!

We want you to spend responsibly with Riipay. Therefore, Riipay will try and collect it again within the grace period of 5 days if you miss a payment.

If your payment is still outstanding after the grace period, you’ll be charged a late fee, which we are reluctant to do. We will also pause your account, and you won’t be able to buy anything else with us until your payments are up to date.

Subsequently, you may notice your spending limit decreases too. This is because our system considers various factors, including late payments, in deciding your spending limit.

If you have difficulty paying on time, please reach out to us as soon as possible to work out a solution to get you back on track.

With Riipay, you will be given RM1,600 instant shopping credits

You may have as many purchases as long as you do not exceed the shopping limit given.

Riipay system takes into account a range of different factors in deciding your spending limit,

– Repayment behavior (late/early payments)

– Spending frequency

– Average spending

Typically, the longer you’ve been using Riipay and have made payments on time, the more likely the spending limit will increase!

Besides that, you may also get notified of exclusive offers, discounts, and product launches.

Riipay is committed to helping customers with financial difficulties, and we can customize solutions based on each individual’s unique circumstances. We will get you back on track through some solutions such as scheduling a new payment date, waiving any extra fees, or breaking it down into smaller payments.

So the first step is to make sure you reach out to us at [email protected], and together we will come up with a plan.

Rely – 3 Monthly Instalments with 0% Interest Rate!

Nuremporium Empire is now partnering with Rely to give you the breathing space to buy now, pay later. Easily split your purchases into three installments spread across three months with no interest at all. Just pay 1/3 of the total price, and we will deliver your item immediately!

  • 3 Monthly Easy Payments
  • Pay for your purchase in three zero-interest installments (due every month).
  • Link with either debit or credit card to use.
  • No Interest, No Catch
  • Always zero interest, NO additional fees when you pay on time.
  • Just pay a 33% deposit and receive the items first!

FREQUENTLY ASKED QUESTIONS

Rely PayLater is a service that enables you to purchase now and pay in 3 interest-free payments, due every month.

Simply shop online and add items to your shopping cart. At checkout, choose Rely PayLater as your payment method. First-time customers will need to register with Rely and provide payment details as usual.

There will be no interest, but a one-time convenience fee will be charged for your purchase(s).

Rely PayLater only accepts Visa and Mastercard debit and credit cards issued in Malaysia. Unfortunately, Rely does not accept any prepaid cards, e.g., BigPay or foreign debit cards.

Your first payment will be charged upon approval at the time of purchase. After that, subsequent payments will be automatically charged to your card every month.

Yes, spending limits may vary depending on the individual order and customer. For your first few transactions, the maximum transaction limit will be RM600. The more orders you successfully repay, the more likely your spending limit will be raised. New shoppers will usually have lower limits until we get to know you better!

The minimum purchase order is RM50.

Anyone who has:

  • A Malaysian residential address
  • A Malaysia issued debit or credit card
  • Is above the age of 18

Yes. All promo codes are still valid to use. However, the existing balance is not applicable for Rely PayLater option.

Feel free to approach Rely support team over e-mail or live chat: https://payrely.com/my/contact/

Atome – 3 Monthly Instalments with 0% Interest Rate!

Nuremporium Empire is now partnering with Atome to give you the breathing space to buy now, pay later. Easily split your purchases into three installments spread across three months with no interest at all. Just pay 1/3 of the total price, and we will deliver your item immediately!

  • 3 Monthly Easy Payments
  • Pay for your purchase in three zero-interest installments (due every month).
  • Link with either debit or credit card to use.
  • No Interest, No Catch
  • Always zero interest, NO additional fees when you pay on time.
  • Just pay a 33% deposit and receive the items first!

FREQUENTLY ASKED QUESTIONS

To use the service, you must:
– Be at least 18 years of age
– Currently reside in Malaysia
– Have a mobile phone number registered under your MyKad with your telco
– Own a credit or debit card that will be used to pay for your purchases on Atome

There will be no interest or hidden service fees if you pay all your scheduled installments on time, but a one-time convenience fee will be charged for your purchase(s).

Simply shop online and add items to your shopping cart. At checkout, choose Atome as your payment method. First-time customers will need to register with Atome and provide payment details as usual.

With Atome, you will be given RM1,500 for debit cards and RM3,000 for credit card installments.

You may have as many purchases as long as you do not exceed the shopping limit given

Your monthly installment cycle is on the 30th day from the day of the transaction. So, for example, if you made an Instalments transaction on 15 October, your next bill will be after 30 days on 14 November.

Yes, you will receive an e-mail and a push notification one day before a bill deduction for Instalments.

If you missed a scheduled payment, Atome will charge you an administration fee and freeze your account until the outstanding amounts are paid. To reactivate your Atome account, Atome will charge an RM50 fee. If this reactivation fee and installment are not paid within seven days, an additional RM25 fee will be charged (by Atome). In Malaysia, the maximum administrative fee is capped at RM150 per transaction.

Under normal circumstances, if you face technical difficulties or other problems that prevent you from paying on time, please get in touch with us at [email protected] as soon as possible to provide you with the support you need.

myIOU – 7 Monthly Instalments with 0% Interest Rate!

Nuremporium Empire is now partnering with myIOU to give you the breathing space to buy now, pay later. Easily split your purchases into seven installments with no interest at all. Just pay 30% of the total price, and we will deliver your item immediately!

  • 7 Monthly Easy Payments
  • Pay for your purchase in seven zero-interest installments (due every month).
  • Link with either debit or credit card to use.
  • No Interest, No Catch
  • Always zero interest, NO additional fees when you pay on time.
  • Just pay a 30% deposit and receive the items first!

FREQUENTLY ASKED QUESTIONS

myIOU allows you to split up your purchase into seven monthly interest-free installment payments. In addition, you have the option to pay for your purchase with a credit, prepaid, or debit card in 7 monthly payments. 

When using myIOU in 7 installments, the first payment, 30% deposit, is charged when we confirm your order, and the next 70% payment is automatically charged every month over six months.

  • be a Malaysian Citizen
  • be at least 18 years old;
  • have an e-mail address;
  • have a Malaysia mobile number;
  • have a Malaysia address; and
  • have a valid credit card or debit card issued in Malaysia

Shop online and add items to your shopping cart. At checkout, choose myIOU as your payment method. First-time customers will need to register with myIOU and provide payment details as usual.

To ensure responsible spending practices, each IOUpay purchase is evaluated by our system for approval. This considers many factors, including your prior credit history and how many purchases have been made and successfully paid back using IOUpay.  Meaning, the longer you have been using our IOUpay installments services, and the more orders you have successfully repaid on schedule, the more likely you will be able to spend more.

For first-time users, the maximum shopping limit is RM1,000, but you can request the shopping limit up to RM3,500.

The minimum spend is RM100.

Users can request a higher shopping limit in-app by providing additional information.

Login to IOUpay App and click on “Get More Limit” to apply for a higher shopping limit.

We might require you to upload the following documents:

ONE – Latest month bank statements in PDF;

ONE – Latest Utility Bills (TNB bills, Water bills, Mobile Phone bills, etc.);

*Please ensure the document(s) you submitted is not password protected.

**Please note that all higher shopping limit application is subject to T&C for approval.

There are no interest charges with myIOU installments and no fees when you follow your automatic payment schedule. Only a one-time convenience fee will be charged for your purchase(s).

If you get into trouble, please reach out to the IOUpay customer service team, and they’ll be happy to look into the options they have available.  You can contact customer service at their website www.ioupay.com.

The first payment will be charged when your order is placed. After that, the remaining payments will be automatically charged monthly.  You can directly access your payment schedule in the IOUpay app.  The payment schedule is also sent via e-mail, and a reminder will be sent in advance of each scheduled due date.

SPLIT – 3 Monthly Instalments with 0% Interest Rate!

Nuremporium Empire is now partnering with Split to give you the breathing space to buy now, pay later. Easily split your purchases into three installments spread across three months with no interest at all. Just pay 1/3 of the total price, and we will deliver your item immediately!

  • 3 Monthly Easy Payments
  • Pay for your purchase in three zero-interest installments (due every month).
  • Link with either debit or credit card to use.
  • No Interest, No Catch
  • Always zero interest, NO additional fees when you pay on time.
  • Just pay a 33% deposit and receive the items first!

FREQUENTLY ASKED QUESTIONS

Split is an installment payment service that offers their customers the choice of paying in up to 3 equal monthly payments online, in-store, or over any chat app.

Your remaining installments will be auto-deducted in the following months (don’t worry, we believe in 100% transparency, and we’ll notify you before any deduction).

Residents of Malaysia and Singapore above the age of 18 and owns a credit or debit card can use this Split.

No, Split is always free – no interest, late fees, processing fees, or any hidden fees. Only a one-time convenience fee will be charged for your purchase(s).

STEP 1 – With your selected items at checkout, simply choose the “Split” payment method.

STEP 2 – Enter your details and pay your first installment with any payment card.

STEP 3 – Purchase complete! For your reference, Split will e-mail you a summary of your remaining installments and their due dates.

Please make payment! You can check your e-mail or SMS to find the link that Split has sent you. After completing the payment, Split will send you a confirmation e-mail.

No, you don’t! Once your first installment has been successfully paid, Nuremporium will begin processing and shipping your order.

Split does not charge any late fees. Please ensure that you can pay your installments on time, and if you foresee payment difficulties, please reach out to Split’s customer service team at [email protected].

You can only have one ongoing installment plan with Split.

No limit on a product in each installment but the maximum amount of each installment is RM2000.

Yes! You can do so at dashboard.paywithsplit.co and click the first-time login.

Exactly one month from the first day of purchase. For example, you paid your first installment on 1 March. Your next installments will be 1 April and 1 May. You can also check your confirmation e-mail from Split.

No. Only the first payment will be charged to the card. The subsequent payment(s) will be auto-debited on the next billing cycle.

Kindly contact Split by e-mailing [email protected] or reply to the payment notification e-mail.

PayLater by Grab – 4 Monthly Instalments with 0% Interest Rate!

Nuremporium Empire is now partnering with Grab to give you the breathing space to buy now, pay later. Easily split your purchases into three installments spread across four months with no interest at all. Just pay 1/4 of the total price, and we will deliver your item immediately!

  • 4 Monthly Easy Payments
  • Pay for your purchase in three zero-interest installments (due every month).
  • Link with either debit or credit card to use.
  • No Interest, No Catch
  • Always zero interest, NO additional fees when you pay on time.
  • Just pay a 25% deposit and receive the items first!

FREQUENTLY ASKED QUESTIONS

PayLater by Grab Instalments is a payment method for you to spread your online shopping bill into four interest-free monthly installments. When you activate PayLater, you get instant access to a PayLater Amount that you can use at nuremporium.net.

 

Your monthly installments will be deducted automatically from your GrabPay balance or a linked card. Once you’ve activated PayLater, you’ll be entitled to both PayLater Instalments and Postpaid.

Grab users who are eligible for PayLater should be

  1. 21 years and older
  2. Platinum, Gold, or Silver GrabRewards tier member, and
  3. Have used either cash, credit, or debit card for at least 3 Grab transactions in the recent month.

If you’re eligible for PayLater, you’ll be able to activate it in-app or simply launch your Grab app, tap on Payments, tap on Enjoy Now and Pay Later under Explore GrabPay.

If you don’t see the PayLater option, we’re unfortunately unable to offer this service to you just yet.

PayLater by Grab is a free service offered by us to you – there are no upfront fees charged or any interest accrued. Only a one-time convenience fee will be charged for your purchase(s).

 

However, if you miss a scheduled payment, there is a flat RM10 admin fee to reactivate your suspended PayLater account

Step 1: Activate PayLater

Step 2: Shop on nuremporium.net

Step 3: Select Grab at checkout

Step 4: Select Pay with Instalments

Step 5: Pay 1/4 of your bill to complete the transaction.

Step 6: Enjoy your new purchase!

 

There is nothing else to action on, but look out for upcoming bill notifications to be aware of automatic deductions to be made for your payments.

To ensure safe spending practices, you will be assigned a unique PayLater Amount based on your user profile and payment practices, and it is subject to change from time to time. This means the longer you have been using PayLater and the more orders you have successfully repaid according to your payment schedule, the more likely you will be able to spend more.

Installments available amount is the maximum amount you can use for Instalments purchases and is the same as your Total Amount.

There are two possible reasons why you’ve activated PayLater but are unable to checkout with PayLater.

  1. You may have missed a PayLater payment.

Your PayLater account will be suspended when you miss a payment. Simply enter the PayLater homepage, tap on View all, and make payments for any overdue payments.

  1. The checkout amount exceeds your available amount.

Check that the total charge of your basket is within your available amount. For example, you have different amounts for Instalments and Postpaid.

Yes, you will receive e-mail and in-app reminders when the bill is generated on the 1st of every month, three days before the bill is due and when the bill is due on the 7th of every month.

PAYLATER – 4 Monthly Instalments with 0% Interest Rate!

Nuremporium Empire is now partnering with PayLater to give you the breathing space to buy now, pay later. Easily split your purchases into three installments spread across three months with no interest at all. Just pay 1/3 of the total price, and we will deliver your item immediately!

  • 4 Monthly Easy Payments
  • Pay for your purchase in three zero-interest installments (due every month).
  • Link with either debit or credit card to use.
  • No Interest, No Catch
  • Always zero interest, NO additional fees when you pay on time.
  • Just pay a 25% deposit and receive the items first!

FREQUENTLY ASKED QUESTIONS

PAYLATER is an app that offers installments plans to their customer. A checkout/purchase is split into four equal installments with 0% interest. Installments are due MONTHLY.

There will be no interest or hidden service fees if you pay all your scheduled installments on time, but a one-time convenience fee will be charged for your purchase(s).

Just follow these easy steps:

1. Download the ‘PayLater Malaysia app.
2. Register in-app and complete the e-KYC (Know Your Customer) process. 
3. Shopping Limit instantly approved.
4. Visit our mini showroom to purchase.

  • Malaysia Citizen with a valid Malaysia NRIC;
  • Above the age of year 18 years old;
  • Have a valid e-mail address and mobile number;
  • Have a valid residential address;
  • Have a valid Bank Account / Debit Card / Credit Card
  • It is currently being employed full time.

Your Shopping Limit is the available shopping amount you can spend with Paylater partnered Merchants. For first-time users, the maximum shopping limit is RM600, but you can request the shopping limit up to RM2000.

Users can request a higher shopping limit in-app by providing additional information.

Login to PAYLATER Malaysia App and click on “Get More Limit” to apply for a higher shopping limit.

We might require you to upload the following documents:

ONE – Latest month bank statements in PDF;

ONE – Latest Payslip; Prove of income/revenue – For self-employed or own business;

ONE – Latest Utility Bills (TNB bills, Water bills, Mobile Phone bills, etc.);

*Please ensure the document(s) you submitted is not password protected.

Yes, you can! Both debit and credit cards are accepted for the Buy Now Pay Later payment option.

Your billing cycle will be monthly.

Yes, you may opt-in for a maximum of 12 months installment with a fixed fee. Full details available in the ‘Paylater Malaysia’ app. Installments above four months are subject to approval.

You may choose either auto-debit on your card or FPX manual transfer to Paylater Malaysia via an in-app option in the ‘Paylater Malaysia’ app. 

Yes, you may. As long as you are still within your allocated ‘shopping limit’, you may have as many purchases as.

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