Pay Later is a “Buy Now Pay Later” service, allowing you to obtain a credit limit up to 1,000 JOD and pay back in 4-simple interest free installments at selected merchants.
What makes you eligible?
✓ Must be between 18-65 years old.
✓ Must have an average balance of JOD 50 or more over the past 30-days.
How to apply for “Pay Later” limit?
- You can apply to a “Buy Now Pay Later” limit by choosing “Pay Later” icon from the homepage.
- Tap on “Apply now” to check the limit you are eligible to issue.
- Once you confirm the limit and receive approval on it, you will be notified by an email and a push notification.
How to make a purchase using “Pay Later”?
- Visit any of the merchants (link to merchants list) that support “Pay Later” on Reflect.
- To make a purchase you either choose the “Pay in-store” button, or to pay using Reflect QR.
- If you choose to pay with Reflect QR; After scanning the QR code from the merchant’s POS, you will see two payment options (Pay with Reflect Wallet or Pay Later)
- Confirm the amount and payment option.
Terms & Conditions:
- User must have an average balance of JOD 50 or more over the past 30-days.
- A fee of 1% of the granted limit value will be deducted, with a maximum of 3 JOD.
- An interest of 1% will be charged (for the unpaid installment) for each day the user is late until the user pays the full amount due.
- A 25% down payment is debited directly from the account on the day of purchase, and the remaining payments are due every 30 days.
- Users could use the limit on multiple purchases within the 30 days period.
- Users could complete their payments and then re-use the limit within 30 days.For the first payment users are given 2 days of grace period (collection process will be shifted 2 days).
Late payment fees:
- After 1 day, All debit transactions are frozen and late fees will apply on a daily basis.
- Late fees are JOD 5 for every late payment
- On every late day, interest applies on the closing balance.
- After 3 days of late payment, all balance in saving space will be debited.
- After 7 days of late payment, all balance in loyalty points will be debited.
To view all terms & conditions for “Pay Later” service, tap here