As consumers, we’re faced with multiple decisions every day: where to shop, what to buy, what to save on. In recent years, Singaporean shoppers have been handed even more choice with the rise of alternative payment options such as Buy Now, Pay Later (BNPL), a method of short-term financing that allows consumers to pay for their purchases over a period.

When used prudently, BNPL can actually be a smart way to stretch your cash flow and get more out of what you want from life. In fact, as the cost of living and inflation soar, the service is growing in popularity in Asia-Pacific, where BNPL purchases accounted for USD$100 billion (SGD$135 billion) of the region’s ecommerce transaction volumes last year, according to the FIS Worldpay Global Payments 2023 report.

Here are three facts about using BNPL.

1. BNPL can be a convenient method to pay for large essential purchases

BNPL is a convenient payment option that allows consumers to buy what they need more easily. It’s especially useful for those who need to make a large or exceptional essential purchase quickly—for example, if you’re a new homeowner looking to furnish your place—as it helps you optimise your monthly budget through smaller payments, and expands your purchasing options.

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2. The terms are usually set out clearly

Leading providers typically set out clear terms and conditions for buy now pay later transactions. One of’s BNPL providers, Atome, for example, allows users the option to pay for purchases with a zero-interest, pay-in-three instalments plan. Another provider, PayLater by Grab, offers the option of paying in four instalments, or in full the following month. If payments aren’t made and your account has been closed, your BNPL provider may charge a fee to cover admin costs or to reactivate your account. This will be stated in your agreement with the provider—make sure you read all the terms and conditions carefully so you can make informed choices.

BNPL screenshot on Amazon.

Tip: Make your payments on time to avoid penalties such as late payment charges or account suspension. On, you have flexibility with your BNPL payment options and can make early repayments directly with the provider if you choose to.

3. BNPL makes interest-free instalment plans available to more people

BNPL opens up the option of zero-interest instalment payments to more people. BNPL providers may also operate safeguards in place to help you manage your finances and avoid debt.

Tip: Setting up payment reminders and a monthly plan to track your expenses is a good way to make sure you’re spending within your means.

Buy Now, Pay Later made convenient on

BNPL screenshot on Amazon.

Now that you can Buy Now, Pay Later via Atome and PayLater by Grab on, shopping on is even easier and more convenient. Just link your account with Atome or Grab, and you’ll be able to check out on the website or mobile app.

To get the most out of every dollar, head to now and start paying with Atome or Grab.

Next, read how Amazon is helping programmable money become a reality in Singapore.