Buy now and pay in 30 days

Do you prefer to pay by cash on delivery? Do you lack sufficient funds? Now, you have 30 days to make the payment!

PayU | Later with award Ekomersy 2017 in category „Payment innovation of the year”

This is our the next statuette from the most important e-commerce competition in Poland. Winners were chosen by a jury and the internet users. 

What you get with PayU | Later?

88% kupujących w polskim e-handlu zna PayU

More shopping online

You do not have to pay for your purchases in advance.

PayU Express zapewnia obniżenie ryzyka transakcji oszukańczych

Checking the product

You pay for the order only after its receipt.

PayTouch odbywa się bez wychodzenia z aplikacji zakupowej

Convenient payment

You have 30 days from the date of the purchase to make the payment and if you cannot do it on time, you can spread repayment into instalments.

How does it work?

Buy now, pay later

You can pay by intallments

You can't pay within 30 days? You can choose repayment by 3 or 6 installments at a standard loan cost.

Questions and answers

When is it possible to use PayU | Later?

You can use this payment method if:

you place an order of the value of PLN 100 - 2000

you successfully pass automated data verification.

How to pay for the order?

Our financial partner pays for the purchases on your behalf. After the first transaction with PayU | Later, you will receive an e-mail with a link to your client panel in Monedo (which is owned by Kreditech Polska Sp. z o.o.). From there, you can conveniently repay the loan online via card or bank transfer. You pay the amount of the order to the benefit of the lender who has paid for your purchases.

What to do if I do not manage to repay the loan in 30 days?

After 30 days from the date of the purchase, the repayment will be automatically spread into 6 instalments. Before this happens, you can shorten the repayment period to 3 months. 

What happens in case of return of the goods?

The order is automatically cancelled and the shop returns the money to the lender. The only obligation for the customer is to send the goods back in compliance with the regulations of the shop.

Will I receive a notice on the forthcoming payment date?

Before expiry of the period of 30 days from the date of the purchase, you will receive an e-mail with a reminder about the payment.

Who is our financial partner?

Kreditech is an innovative company from the Fintech industry established in 2012 in Germany which has a leading position in the online consumer credits market in many countries across Europe and South America. We have been cooperating for over a year - under the brand - offering instalments and now, also ‘I pay later’, paying for purchases on behalf of customers. The lender guarantees a fast and efficient process and at the same time, cares about secure data transmission. All sent information is encrypted, it is not saved anywhere and is not provided to any third parties without your consent.

Learn more about other solutions