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Get it today.

it your way.

Unlock up to $1,4001 with @Pay, and enjoy the freedom of interest-free spending with no late fees ever.

1The potential spending limit of up to $1,400 with @Pay is subject to individual credit assessments and repayment history.

Empowering your

Experience.

Explore our Buy Now Pay Later innovations—seamless navigation, rewards, and flexible transactions. It's your gateway to a future-focused experience.

Why choose

-in-4?

@Pay offers a swift, secure, and effortless solution to fulfill your needs today and repay on a schedule that fits your lifestyle, always interest-free.

Easy Repay. 
<br>
Every 20 Days.

Easy Repay.
Every 20 Days.

Effortless repayments every 20 days with @Pay—experience total freedom in every transaction.

Shop Smarter. 
<br>
Interest-Free.

Shop Smarter.
Interest-Free.

Every @Pay transaction is interest-free, ensuring a worry-free shopping experience, always

Late? 
<br>
No Worries

Late?
No Worries

Missed a repayment? No problem. @Pay keeps it stress-free with no late fees.

Superfast Approvals.

Superfast Approvals.

Approval in minutes, no establishment fees.

How does

-in-4 work?

Shop smarter with @Pay-in-4—choose it at checkout, repay every 21 days, earn rewards, and enjoy growing limits. It's convenience, rewards, and financial freedom in one seamless experience.

Shop anywhere online. 1
We'll meet you at the checkout.

1 Buy Now Pay Later available with
selected brands within our marketplace.

Pay with Cash or Crypto. 2
It's completely your choice.

2 Based on our approved list of digital assets. Subject to change, depending on risks of assets.

Repay in 4 equal payments. 3
One every 21 days.

3 Inclusive of an $8.00 account keeping fee, paid monthly, until all active BNPL transactions have been successfully repaid.

Earn some sweet rewards, 4
and higher shopping limits. 5

4 ATPAYR will be issued as reward after successful repayment.
5 Terms apply to unlocking higher credit limits.

Built for the future.
Available today.