Happy Pay is a Buy-Now-Pay-Later (BNPL) platform that allows you to buy the things you want now and spread the costs over your next two paycheques.

Yes. Happy Pay offers a free-spending plan. If you pay on time, you’ll pay no interest.

Signing up for Happy Pay is a breeze! To get started, all you need is a bank account and your basic details. We've made the process as simple as can be, so you can start enjoying the benefits of our BNPL platform in no time. Say goodbye to lengthy forms and hello to a hassle-free sign-up experience with Happy Pay!

We want you to get the things you want but not at the expense of your credit record or financial health! A few factors determine your spending limit. Essentially, it comes down to your payment behavior and financial health. With time, good payment behavior on our platform equals higher spending limits for you. If you have our back, we’ve got yours!

We don’t charge a deposit. Your first installment (50% of total amount) is due on your first payday following your purchase, and the remaining 50% is due on your subsequent payday post-purchase.

Pick an item and add it to your cart, and choose Happy Pay at checkout. If you already have a Happy Pay account, payment will only take two clicks; if not, you’ll need to do a quick sign-up.