How to Cash Out Shopee PayLater Without Hassle


How to Withdraw Shopee PayLater to a Bank Account – On this occasion we will provide a way to withdraw Shopee PayLater which you can do easily, how do you do it? Please read the information below, please read this article to the end carefully.

For users Shopee app Those who succeed in getting the PayLater limit can later be used to buy goods with Pay Later. So users can receive goods first and make payments in the following month or in installments.

With this service, many Shopee PayLater users now use limits to get cash payments to multiple accounts. Such as a bank account or to several digital wallet accounts such as Dana. But how to withdraw Shopee PayLater? Can the SPayLater limit be withdrawn?

When talking about how to make Shopee PayLater cash, you can do this with a few tips, our article provides information about how you can withdraw Shopee PayLater by purchasing products on your Shopee account, top-up services or coupons and so on.

So that later the Shopee products you buy with PayLater will be in the form of credit. Before continuing to discuss this method, please read the complete information about SPayLater first below.

Understanding Shopee PayLater

Shopee paylater is an online shopping loan product provided by the Shopee application. If you choose Shopee paylater payment, you will be given a loan to spend with next month's payment.

Shopee paylater offers very affordable terms, namely 1 month, 3 months and 12 months.

Can Shopee PayLater be turned into cash?

Many users wonder about Shopee PayLater payments. Where this is actually possible, for example by purchasing a voucher that can be exchanged or by selecting a product to top up the balance of funds.

Shopee PayLater is usually used to pay for groceries in installments so that they can be paid off in the following month or before the due date. This is why many people use this cool feature to buy an item, but don't have enough money.

Can Shopee PayLater be withdrawn? Unfortunately, Shopee PayLater cannot actually be used as cash and disbursed directly to an account, because this is a payment method only, not a money loan like in the Shopee Borrowing (SPinjam) system.

However, there is one special way that Paylater can be disbursed into an account, namely through buying and selling goods or through a third party.

You can withdraw Shopee Paylater to your bank account if you follow the tutorial we provide below. Later we will explain in detail the steps and things that need to be prepared to make the process easier.

However, try to only use this money for very urgent needs. Even though the method is the same as paying for groceries via regular SPayLater, you also have to be able to pay installments or bills before they are due.

If you fail to do so, you risk being fined up to 5% of the total purchase, limited coupons and promotions, and having your account banned from Shopee.

How to Withdraw Shopee PayLater Limit to Bank Account

Withdrawing from SPayLater to an account may not be as easy as transferring ShopeePay to a digital wallet or bank account. Even though the method is not easy, you can try to do it carefully so that the funds can enter without being suspected by the system.

The following method is only for educational purposes we are not responsible for any loss when you use this method. Check out the tutorial below to cash out paylater.

Prepare Two Accounts and Two Smartphones

The first thing you need to do to withdraw Paylater for cash is to set up two accounts as a buyer and a seller. However, it is better to prepare two smartphones so that Shopee does not easily detect fraud. Likewise for accounts for payment of funds.

It is better to use a different account because if the bank account is the same then it could be an act of fraud that will result in a ban. You must be able to use Shopee PayLater to complete the next step.

Set up a seller account as if you were actually selling goods, preferably digital goods so that no additional shipping is required. For example, game refill services, as well as other types of services that do not require delivery of physical goods.

Login to Buyer's Account to Purchase

Next, log in to the buyer's special account to make a purchase. Then search to find the shop seller account that you have created. Search for products as you usually do when shopping online, then add the selected products to your shopping basket.

When adding products to the shopping cart, try not to discuss the listed seller data. You can try using a different address, for example that of a relative, friend or someone else, as long as you both agree.

If you have reached this stage, click confirm order. Change the payment method to Shopee PayLater. Done, wait for the order to be confirmed then sent from the seller's special account.

Log in to Seller Account to Confirm Order

The next step, log in to the seller's special Shopee account then confirm the incoming order. When registering to switch accounts, try not to rush or rush as Shopee may be suspicious of such actions.

Of course, if you withdraw Shopee PayLater funds using another device, you no longer need to log in and out. Because when an order is entered, you can immediately confirm it without having to leave first.

Chat as usual

This method is actually optional, so you can do it, but it's okay if you don't. This method may be quite difficult if you don't use another device as a buyer or seller because you only rely on one device to carry out these two different roles.

Send Orders Digitally

As a seller, the next step is to send the order you have entered. Do as usual so as not to look suspicious. Also, activate the free shipping feature because orders are sent in the form of digital or non-physical products.

Send a message on Live Shopee

Send a message directly on Shopee to confirm receipt of the buyer's order. When the order has been sent to the buyer's account, send a message to Shopee live chat to confirm that the buyer has received the order. Shopee usually responds to messages as soon as possible.

The purpose of sending messages via Shopee live chat is to confirm receipt of the order by the buyer and ask the buyer to rate the product received. Usually this method is used when sellers sell digital products such as services.


Done, the order has been confirmed by the buyer's account. Give a review like buying goods on the marketplace. After that, log back into the seller's account and wait for the funds to be paid to ShopeePay.

Money on ShopeePay can be withdrawn to a bank account. However, the buyer's account must pay the bill according to the nominal amount paid via Shopee PayLater before the due date.

Tips for Turning Shopee PayLater into Cash

Do you understand how to withdraw Paylater to a bank account after reading the tutorial above? Below we provide tips to make it easier to disburse Shopee PayLater.

Buying and Selling Your Own Products

Based on the explanation in the previous point, cashing out paylater is actually impossible. Therefore, you have to go through another party, namely creating two accounts as a buyer and a seller. However, two devices can also be used.

The way to do this is by buying and selling products that you make yourself. So you need to view the product in the seller's account and then buy the product by logging into the buyer's account. Select the Shopee PayLater payment method.

Withdraw Money Via TopUp Service

Don't have two devices or two Shopee accounts? Try to cash out SPayLater via top-up services such as OVO, GoPay, etc. The method is the same as the tutorial above, but the difference is that you actually trade with the seller, not yourself.

Try searching on Shopee for e-wallet topup services that can use the SPayLater payment method. Then carry out transactions as usual until the funds enter your e-wallet. This method can be a little complicated because not all top-up service providers want to activate paylater as a payment method.

Do not rush

Do you use two different accounts? It's best to be more careful when logging in and out of your account, don't rush! If it's too fast, Shopee might suspect it and then you will actually be blocked.

Use an Account with a Different Name

This is the most important thing if you have to use another bank account when withdrawing funds. Because if the accounts are the same, Shopee can detect suspicious behavior and then block it.

The solution is to try and borrow it from someone else (make sure you both agree). It is also possible to use an e-wallet account with a different number than the one registered with the Shopee seller.

This is how Shopee PayLater payments are made to a bank account. Use it wisely, make sure you pay your bill before it is due and don't misuse it irresponsibly.


Below are questions and are accompanied by answers regarding the information we have provided about Shopee PayLater

Can Shopee PayLater be used to buy credit?

Through Shopee Paylater we can buy credit now and pay later according to the selected due date. Purchasing credit with Shopee Paylater is very simple and similar to purchasing credit as usual on Shopee.

Can you borrow money on Shopee?

Now Shopee does not exist as a platform for buying and selling goods. Apart from that, Shopee now offers a new service, namely an easy and fast cash withdrawal service. This service is called Shopee Pinjam or SPinjam. In contrast to SPaylater which only provides money for shopping activities.

What is Shopee PayLater used for?

With Shopee PayLater, buyers can buy goods in advance and then pay for the goods over the following month or in installments over several months. By using Shopee PayLater, users can choose the installment period provided.


Withdrawing from SPayLater to an account may not be as easy as transferring ShopeePay to a digital wallet or bank account. Even though the method is not easy, you can try to do it carefully so that the funds can enter without being suspected by the system.

We do not recommend you to do this because it is not official, if you want to do it then you have to consider the risks you will incur. Hopefully the information above is useful.

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Hi, let me introduce myself, Lutfi Hulasoh, I am a writer and techno blogger. I started creating a personal blog writing informative articles about the latest trends and developments in technology. My writing covers a wide range of topics, from mobile applications to artificial intelligence, and I can also provide easy-to-understand explanations to help readers understand complex concepts.