ioupay Buy Now Pay Later ioupay Buy Now Pay Later

Shop for what you want, when you want, without breaking the bank

Split your purchases into affordable monthly instalments (up to 3 months) with ZERO interest to pay!

With myIOU, you can always ‘buy now’ and ‘pay later’.

* Currently available at all Senheng and senQ retail outlets only

App Store Google App
How to Use

How myIOU works

1

Select myIOU when shopping online or scan QR code with myIOU app at in-store merchants

2

Confirm transaction details and complete your 30% initial payment*. Remaining balance of total purchase will be split into monthly instalments.

3

Your card binded to myIOU will be charged automatically every month for the remaining instalments.

Registration Flow

Step 01

Consumer to download myIOU app from Playstore / App store

Step 02

Consumer to complete the registration process

Step 03

Consumer to complete the eKYC* process (IC front & back and selfie)

Step 04

Consumer to bind their Debit/ Credit card in myIOU apps

Step 05

Instant Credit Limit for Debit Card - RM1K & Credit Card - RM3K

Step 06

Consumer can apply for Credit + with myIOU app by submitting additional documents for higher credit limit. Debit Card holders up to RM3.5K & Credit Card holders up to RM10K

Registration Requirement

Requirement 01

At least 18 years old and above

Requirement 02

A Malaysian NRIC (MyKad)

Requirement 03

Credit/debit card issued by Malaysian financial institutions

Requirement 04

Malaysian mobile number and email address

Paying Instalments has never been easier

Feature 01

ZERO Interest

Split your payment into 3 months* upon checkout with absolutely 0% interest.**

Feature 02

Complete the registration

Get instant credit approval up to RM 3,000 and as high as RM 10,000 with myIOU Credit+.

Feature 03

Pay with Debit or Credit Card

Payment will be automatically charged to your card every month. Just sit back, relax and enjoy your purchase.

*Tenure for instalment plan is predetermined by respective merchants.

**Late payment fees of RM 5 or 1% on outstanding amount (whichever higher) will be incurred for overdue payment.

Introducing

myIOUCredit

Need more credit limit?

Sign-up for myIOU Credit+ today to increase credit limit up to RM 10,000 !

up to
RM 3,500

in myIOU app, submit:

  • One month of latest income crediting bank statement
  • Any one proof of residential address

up to
RM 10,000

in myIOU app, submit:

  • One month latest credit card statement
  • One month of latest income crediting bank statement
  • Any one proof of residential address

Download myIOU App NOW!

App Store Google App

How To Register With myIOU

Frequent Asked Questions

Buy Now Pay Later (BNPL) is a digital payment solution that gives you the opportunity to buy something without having to make full payment for it until a later date. BNPL allows you to split your purchases into several interest-free payments paid over time.

With myIOU, you can split your purchases into affordable monthly instalments (up to 6 months) with zero interest to pay. myIOU doesn’t affect the available balance on any particular credit card. myIOU also allows you to pay with debit card.

Credit card instalments reduce the available credit limit on a person’s credit cards. Moreover, not all credit companies offer instalment payment plans.

  • At least 18 years old and above
  • A Malaysian NRIC (MyKad)
  • Credit/debit card issued by Malaysian financial
  • stitutions
  • Malaysian mobile number & email address

To validate users’ identity, we require a front and back photo of your MyKad at sign up to prevent any misuse of identity or funds.

Sensitive information such as phone number and email will be encrypted and shown with masking both when displayed and stored, protected with PDPA.

At IOUpay, we take your privacy and data security very seriously. Our privacy policy explains how we collect, use, disclose and safeguard any personal data you provide to us.

myIOU accepts both debit and credit cards (Visa or MasterCard) issued by Malaysian financial institutions

At the moment, we don’t accept the following type of cards:

  • American Express (AMEX)
  • Japan Credit Bureau (JCB)
  • UnionPay
  • Discover
  • Diners Club

No

For new applications, your account will be approved upon completion of the application process subject to terms and conditions.

Send your details such as your name and mobile number to myIOU Support Team to support@ioupay.com

An instant approval of RM 3,000 credit limit for Credit Card and Rm 1,000 for Debit Card.

* Instant approval credit limit of RM1000 will be granted between 9am - 10pm (including weekends & Public Holiday )

* between 10pm - 9am will be RM0 credit and within 48 hours of approval

You may need to refresh the connection between your phone and your mobile carrier. Please try:

  • Turning your phone off and on ( or restarting if possible )
  • Turning airplane mode on and off
  • Removing and re-inserting your SIM Card

Currently, myIOU app is not available on Huawei and Honor devices without Google Play Services. Please click here to see the list of devices not supported.

You can increase your credit limit up to RM 10,000 by signing up for myIOU Credit+ through myIOU app subject to terms and conditions.

Complete application with:

  • Latest one (1) month credit card statement
  • Latest one (1) month income crediting bank statement
  • Any one (1) proof of residential address

    (Example: Utility bill or proof of delivery with valid shipping address from any E-commerce platform

Requests made before 12:00pm ogether with complete required documentations will processed on the same day and requests made after 12.00pm will be processed on the next business day.

The maximum credit limit per account is RM 10,000 subject to terms and conditions.

You can perform as many transactions as you like provided you do not exceed the available credit limit in your myIOU app.

You can purchase as much as you like provided you do not exceed the available credit limit in your myIOU app.

You will need to complete the initial payment upon check out after confirming the transaction details.

myIOU will send a notification via myIOU app, SMS and email. Your account will be suspended from performing transactions until outstanding payments are resolved.

A late payment fee will be imposed for overdue payments.

No

You will receive a reminder via myIOU app, SMS and/or email within 3 business days before your next subsequent payment is due.

Refer to your myIOU app Bills, billing summary you will be able to view your next payment date and amount.

The card for subsequent payment cannot be changed. However you can use a different card for new transaction.

You can reset your payment pin through myIOU. For assistance, please drop an email to support@ioupay.com

The delivery and quality of the products and services purchased are always the responsibility of the merchants. Please reach out directly to the merchant where you purchased your product or service for any cancellation and refund.

Once your refund has been processed, you will receive a notification via email and refunded amount will be released to your original payment method within 14 days.

Once you have returned the product(s) to the merchant(s), it may take a few days for them to inspect, process and ensure that the returned goods meet their cancellation and refund policy requriements.

If you have a payment due to us, do contact us immediately at support@ioupay.com or call us 03-77335500 for further assistance during hours below:

Mon - Fri: 8am - 11pm
Sat / Sun / Public Holiday: 10am - 11pm

Please take note that you will not be able to make a new transaction until the new card is registered.

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Apple Watch SE

Heavy on features. Light on the pocket.

Powerful features to help keep you connected, active, healthy and safe. And available mobile connectivity so you can go without your phone. This is a lot of watch for a lot less than you expected.

Buy Now

Apple Watch SE

Heavy on features. Light on the pocket.

Powerful features to help keep you connected, active, healthy and safe. And available mobile connectivity so you can go without your phone. This is a lot of watch for a lot less than you expected.

Buy Now

Fitness

Meet your ultimate workout partner.

Track your daily activity and precisely measure your favourite ways to work out, even underwater.

Workouts. Customise your metrics for everything from running and HIIT to yoga and Pilates.

Fitness

Meet your ultimate workout partner.

Track your daily activity and precisely measure your favourite ways to work out, even underwater.

Workouts. Customise your metrics for everything from running and HIIT to yoga and Pilates.

Workouts. Customise your metrics for everything from running and HIIT to yoga and Pilates.

Stay Connected

On the go. In the know.

Built-in mobile connectivity lets you take calls, send texts and stream Apple Music — all without your phone.

Stay Connected

On the go. In the know.

Built-in cellular lets you take calls, send texts and stream Apple Music — all without your phone.

Health

A watch you can feel good about.

Heart health. Get notifications for high or low heart rate or an irregular heart rhythm.

Safety. With Emergency SOS and fall detection, Apple Watch SE can connect you to emergency services for help when you need it.

Sleep app. Create a schedule and bedtime routine so you can meet your sleep goals.

Health

A watch you can feel good about.

Heart health. Get notifications for high or low heart rate or an irregular heart rhythm.

Safety. With Emergency SOS and fall detection, Apple Watch SE can connect you to emergency services for help when you need it.

Sleep app. Create a schedule and bedtime routine so you can meet your sleep goals.

Health

A watch you can feel good about.

Heart health. Get notifications for high or low heart rate or an irregular heart rhythm.

Safety. With Emergency SOS and fall detection, Apple Watch SE can connect you to emergency services for help when you need it.

Sleep app. Create a schedule and bedtime routine so you can meet your sleep goals.

Watch Faces

Put your personality on display.

The Retina display is over 30 per cent bigger than Series 3, letting you see more information and apps at a glance.

Face Sharing. Discover new watch faces online or in the App Store, then share with friends and family.

Face Sharing. Discover new watch faces online or in the App Store, then share with friends and family.

Watch Faces

Put your personality on display.

The Retina display is over 30 per cent bigger than Series 3, letting you see more information and apps at a glance.

Face Sharing. Discover new watch faces online or in the App Store, then share with friends and family.

Why Apple Watch

It’s the ultimate device for a healthy life.

Health

Get heart rate notifications. Track your sleep. Quickly call for help in an emergency.

Fitness

Track all your daily activity. Precisely measure your favourite workouts.

Connectivity

Get calls and texts. Listen to music. All directly from your wrist.

Personalisation

Add a new strap to change up your look. Discover, customise and share watch faces.

Compare

Which Apple Watch is right for you?

Product name
Apple Watch Series 7
Apple Watch SE
Apple Watch Series 3
Images
Finish
Aluminium
Aluminium
Aluminium
Stainless steel
Stainless steel

Not Applicable

Not Applicable

Quick look
Display
Blood oxygen
ECG
Heart Rate
International Emergency Calling
Fall Detection
Always-on altimeter
Available Mobile Connectivity
Family Setup

Straps

Change your strap. Change your look.

Interchangeable straps come in many different styles, materials and colours. So it’s easy to find the right look for the right moment.

Fitness+

A fitness service for everyone. Powered by Apple Watch.

World-class workouts on your iPhone, iPad or Apple TV. New workouts added weekly. Work out how and where you want.

Legal Disclaimers

Water resistance: Apple Watch Series 3, Apple Watch SE and Apple Watch Series 7 have a water resistance rating of 50 metres under ISO standard 22810:2010. This means they may be used for shallow-water activities like swimming in a pool or the ocean. However, they should not be used for scuba diving, waterskiing or other activities involving high‑velocity water or submersion below shallow depths.

Mobile and wireless: Wireless service plan is required for mobile service. Contact your service provider for more details. Connection may vary based on network availability. International roaming is not supported. Check apple.com/my/watch/cellular for participating wireless carriers and eligibility. See support.apple.com/en-my/HT207578 for additional setup instructions.

Apple Music: Apple Music requires a subscription.

IRN (irregular rhythm notification): Irregular rhythm notification requires the latest version of watchOS and iOS. It is not intended for use by people under the age of 22 or those who have been previously diagnosed with atrial fibrillation (AFib).

Emergency SOS: Apple Watch Series 7 (GPS + Cellular) and Apple Watch SE (GPS + Cellular) can use a mobile network connection for Emergency SOS. To use Emergency SOS on an Apple Watch without mobile connectivity, your iPhone needs to be nearby. If your iPhone isn’t nearby, your Apple Watch needs to be connected to a known Wi-Fi network and you must set up Wi-Fi calling.

App Store: Apps are available on the App Store.

Crack resistance: Crack resistance compared with previous generation.

Dust resistance: Series 7 is rated IP6X dust resistant.

Blood Oxygen app: Blood Oxygen app measurements are not intended for medical use, including self-diagnosis or consultation with a doctor, and are only designed for general fitness and wellness purposes.

ECG app: The ECG app is available on Apple Watch Series 4 and later (not including Apple Watch SE) with the latest version of iOS and watchOS. See apple.com/my/watch for compatibility details. The ECG app is not intended for use by people under the age of 22. With the ECG app, Apple Watch is capable of generating an ECG similar to a single‑lead electrocardiogram.

International emergency calling: The international emergency calling feature requires an Apple Watch Series 7 (GPS + Cellular) or Apple Watch SE (GPS + Cellular) model. For a list of supported countries and regions, see apple.com/my/watchos/feature-availability.

Faster charge: Testing conducted by Apple in August 2021 using pre-production Apple Watch Series 7 (GPS) and Apple Watch Series 7 (GPS + Cellular) with Apple Watch Magnetic Fast Charging USB-C Cable (Model A2515) and Apple 20W USB-C Power Adapter (Model A2305), as well as Apple Watch Series 6 (GPS) and Apple Watch Series 6 (GPS + Cellular) with Apple Watch Magnetic Charging Cable (Models A2255 and A2256) and Apple 5W USB Power Adapter (Model A1385); each Apple Watch paired with an iPhone, all devices tested with pre-release software. Charge time varies with region, settings and environmental factors; actual results will vary.

Apple Fitness+: Available beginning late 2021; a subscription is required.

(PRODUCT)RED: A portion of the proceeds from every (PRODUCT)RED purchase goes to the Global Fund.

Straps: Straps are subject to availability.

Compatibility: Apple Watch Series 7 requires an iPhone 6s or later with iOS 15 or later. Apple Watch SE and Apple Watch Series 3 require an iPhone 6s or later with iOS 14 or later.

Feature availability: Features are subject to change. Some features, applications and services may not be available in all regions or all languages. See apple.com/my/watchos/feature-availability for the complete list.