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PayLater by Kredivo

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Running out of credit & quota is not a problem!

Buy credit or internet quota now and use PayLater by Kredivo on MyTelkomsel App. Shop conveniently and pay securely without interest to enjoy seamless connectivity.

Kredivo is registered and supervised by the financial services authority (OJK), so you can make transactions at ease.

How to use PayLater by Kredivo

How to sign up
How to sign up

To open a PayLater by Kredivo account, please follow these steps:

  1. Open your MyTelkomsel App.
  2. Tap on the PayLater by Kredivo banner on the dashboard or open the "Menu" tab and tap "PayLater".
  3. Tap on the "Connect Account" button.
  4. Enter the OTP code sent via SMS to your mobile phone number.
  5. Done! You can start purchasing digital products with PayLater by Kredivo.
How to make a transaction
How to make a transaction
  1. Open MyTelkomsel App.
  2. Select the digital product you want to buy.
  3. Check the product details again and tap "Buy".
  4. Choose the PayLater by Kredivo payment method.
  5. You can also choose the payment option in 30 days (interest-free) or in 3/6/12-month installments.
  6. Enter your registered mobile number and your PayLater PIN.
  7. Enter the OTP code you receive via SMS to confirm your transaction.
  8. Check your transaction details again on the payment page, then tap "Pay".
  9. Your transaction is complete! Your purchase will be automatically added to your active package.
How to pay the bills
How to pay the bills

After making a transaction using PayLater, the invoice will automatically be added to your Kredivo bill. You can pay the bill by following these steps:

  1. Open the Kredivo application. Click “Transactions” and then “Pay”. Select the transaction to be paid.
  2. Make a payment via the channel you choose. If you pay through ATM/e-banking, you will see the same amount of the bill as the previously selected transaction.
  3. If you did not do step 1, you will see the total of all your bills when paying.
  4. BCA and Permata users can enter the amount they want to pay. Mandiri, Indomaret, and Alfamart users must take step 1 to pay for certain transactions only.
  5. Especially for Alfamart users, you can only make 1 bill payment per day.
  6. You can also pay Kredivo bills via Tokopedia. Open the Tokopedia website or app, choose the “Top- Up & Bills” menu, and select “Credit Installment”.
  7. If you receive a payment reminder email and only want to pay the amount billed in the email, you must do step 1. You can read the payment instructions for each payment channel here.
Fees
Fees

For every transaction using PayLater, you will be charged a service fee of Rp1,500 + 1% admin fee from your total transaction.

or example, you buy OMG! Package with a transaction value of Rp300,000. Then you will be charged an additional service fee of Rp1,500 and 1% admin fee (1% from Rp300,000 + Rp1,500) = Rp3,015. So, your total transaction becomes Rp300,000 + Rp1,500 + Rp3,015 = Rp304,515. 

Additional Information