With Atome - You can Buy Now, Pay Later with 0% interest !
(Only available to customers with Singapore Debit/Credit Card)

• What is Atome ?
  Atome partners over 2,000 leading online and offline retailers to provide short-term payment plans that allow individuals like you to make a purchase and pay for it at a later time with no interest or service fees.

  We want you to stop without worries and receive your purchase straight away, just pay for it in 3 equal interest-free instalments, due monthly. Atome will automatically split your bill into 3 equal payments. The first payment will be debited 3 days after your purchase, and the next two payments will be spread 30 days apart. 
  
  

• Are there any requirements for using Atome ?
  - At least 18 years old.
  - A mobile number issued with a Singapore prefix (+65).
  - Legal full name.
  - Credit/debit card issued by a local financial institution.
  - Register an account with Atome app.

   

• How to use Atome ?
  - Add your product to cart on GenkiBikeZ and checkout.
  - At the payment page, select Atome as your payment method and you will be redirected to the Atome website.
  - Register or login to your Atome account. If you do not have an Atome account, set up an account.
  - Enter or verify your payment details then confirm your order.
  - After the checkout is done, your orders will be process within 5 - 7 working days.

   

• What is my credit limit ?
  As a general guideline, the credit limit will be SGD 1000 for new debit card users and SGD 3000 for new credit card users. However, your purchase may still be declined due to a variety of other factors which Atome uses to determine the approval of the transaction. If your purchase is indeed declined, you may write to us for special approval on a case by case basis.

  Your credit limit in the Atome account is determined by the default payment card. For example, if you have added 3 credit cards and 2 debit cards in your account, and the primary card is a debit card, your limit will be SGD 1000.

  To maintain a higher limit, please:
  1) Switch to our preferred payment option i.e. credit card and/or local cards and
  2) Keep a good repayment behavior

  Note: All Atome users have varying credit limits available for transacting with Atome. This limit is different from the credit limit that you have set on your credit/debit card.
  
  

• What happen when I missed out payment ?
  If you missed a scheduled payment, an Admin Fee of SG $15 will be charged 1 day after the payment is due and your account will be temporarily frozen until the outstanding payment and Admin Fee have been cleared.

  However, before each payment is due, a push notification / SMS will be sent to notify you of the upcoming payment.
  
  

• How do I check my bills ?
  Check the status of your payment schedule under "Bills" in Atome app. You will also be informed when your payment cycle is complete.
  
  
• Can I make a refund ?
  Please refer to our return and refund policy (https://genkibikez.com/refund-policy/)
  

  
  For more information on Atome, please click here (https://www.atome.sg/help)
  

With ShopBack - You can Buy Now, Pay Later with 0% interest !
(Only available to customers with Singapore Debit/Credit Card)

• What is ShopBack ?
  ShopBack is a financial technology (Fintech) company based in Singapore. It allows retailers to offer their customers to buy now and pay later (BNPL) – 3 equal installments over 3 months with 0% interest.
  Our goal is to empower customers, allowing them to buy what they want today and helping them to spend responsibly.
  
  
• Are there any requirements for using ShopBack ?
  - At least 18 years old.
  - A Singapore NRIC or FIN number.
  - A mobile number issued with a Singapore prefix (+65).
  - A valid email address.
  - Credit card/debit card issued by a local financial institution.
  
  
• How to use ShopBack ?
  - Add your product to cart on GenkiBikeZ and checkout.
  - At the payment page, select ShopBack as your payment method and you will be redirected to a secure payment gateway to complete your order.
  - Register or login to your ShopBack account. If you do not have an ShopBack account, set up an account.
  - Enter or verify your payment details then confirm your order.
  - After the checkout is done, your orders will be process within 5 - 7 working days.
  
  
• What is my credit limit ?
  As part of our efforts to ensure responsible spending, there may be a limit on the amount you can spend. This varies across each individual and it is determined by the system.

  What we can recommend is you can try to purchase a lower ticket price item with ShopBack first. As our limits are calculated dynamically, the more you use ShopBack, the more likely you will be able to spend more.
  
  

• What happen when I missed out payment ?
  

  The first instalment is paid on the date following the date of the purchase. Each time a unsuccessful payment remaining Instalments by the scheduled due date and within any accompanying grace period (where applicable), will be charged a Late Payment Charge of $15.
  
  

• How do I check my bills ?
  Check the status of your payment schedule under "Bills" in ShopBack app. You will also be informed when your payment cycle is complete.
  
  
• Can I make a refund ?
  Please refer to our return and refund policy (https://genkibikez.com/refund-policy/)
  
  For more information on ShopBack, please click here (https://www.hoolah.co/sg-en/help)

With Grab PayLater - You can Buy Now, Pay Later with 0% interest !
(Only available to customers with Singapore Debit/Credit Card)

• What is Grab PayLater ?
  Grab PayLater Instalments is a new postpaid service for online purchases. When you activate Grab PayLater Instalments, you get instant access to a pre-approved Grab PayLater Instalment amount that can be used for your online shopping. When you make purchases at our partner merchants, your transactions will be split into either 2 ways of payment of 4 in monthly instalments or 3 affordable monthly payments.
  
  
• Are there any requirements for using Grab PayLater ?
  - At least 21 years old.
  - Platinum, Gold or Silver GrabRewards tier member.
  - Have used either credit or debit card for at least 3 Grab transactions in the recent months.

  
  If you’re eligible for PayLater, you’ll be able to activate it in-app, or simply launch your Grab app, tap on Payments, tap on Enjoy Now and Pay Later under Explore GrabPay.
  If you don’t see the PayLater option, we’re unfortunately unable to offer this service to you just yet. All approvals are subject to our internal review.
  
  

• How to use Grab PayLater ?
  - Add your product to cart on GenkiBikeZ and checkout.
  - At the payment page, select Grab PayLater as your payment method and you will be redirected to a secure payment gateway to complete your order.
  - Register or login to your Grab account. If you do not have an Grab account, set up an account.
  - Enter or verify your payment details then confirm your order.
  - After the checkout is done, your orders will be process within 5 - 7 working days.

   

• What is my credit limit ?
  

  Every user will be assigned a unique PayLater Instalments available amount based on his or her user profile as determined by historical expenditure and assessment by Grab. As such, available amount for Grab PayLater Instalments may differ across users.

  Unfortunately, your Grab PayLater Instalment available amount cannot be changed at this point.
  
  

• What happen when I missed out payment ?
  If you do not pay your monthly bills by the due date, you will be charged a $10 admin fee to reactivate your suspended account for each missed payment. Your Grab PayLater account may be suspended if you have overdue Grab PayLater bill and you do not make any payments after being notified by us.
  
  
• How do I check my bills ?
  PayLater Instalments > View Details to view your completed and outstanding payments. Easily monitor and plan your monthly repayments with the Grab App. You can go to GrabPay > PayLater Instalments > View Details to view your completed and outstanding payments.
  
  
• Can I make a refund ?
  Please refer to our return and refund policy (https://genkibikez.com/refund-policy/)
  

  
  For more information on Grab PayLater, please click here (https://www.grab.com/paylater/sg-en/help)

With Pace - You can Buy Now, Pay Later with 0% interest !
(Only available to customers with Singapore Debit/Credit Card)

• What is Pace ?
  Pace turns payments into 3-interest free instalments for customers. There are no hidden fees, and there never will be. You'll also be able to pay via Pace via your credit card and debit card, at stores offer Pace as a payment option, both online and in-store.

  As a Pace user, you'll also gain access to exclusive discounts and benefits from our community of amazing stores.
  
  

• Are there any requirements for using Pace ?
  - At least 18 years old.
  - A Singapore NRIC or FIN number.
  - A mobile number issued with a Singapore prefix (+65).
  - A valid email address.
  - Credit card/debit card issued by a local financial institution.

   

• How to use Pace ?
  - Add your product to cart on GenkiBikeZ and checkout.
  - At the payment page, select Pace as your payment method and you will be redirected to a secure payment gateway to complete your order.
  - Register or login to your Pace account. If you do not have an Pace account, set up an account.
  - Enter or verify your payment details then confirm your order.
  - After the checkout is done, your orders will be process within 5 - 7 working days.
  
  
• What is my credit limit ?
  

  The most you can spend with Pace (the Pace Buy Limit) will vary for different users based on their profile.

  Our system takes into account several factors when allocating a Buy Limit.
  You can view your current Buy Limit from your Pace app.

  If you would like to purchase above your current buy limit, you can complete the transaction by paying the difference upfront.
  Here's how it works:
  (Making purchases above your Pace Buy Limit)
  
  

• What happen when I missed out payment ?
  If the payment is not received by the due date, an initial late payment of $10 will be levied, and a further $1 per day if the payment remains unpaid after the due date. For each transaction below $40, a maximum of one $10 late fee may be applied per instalment payment. For each transaction of $40 or above, the late fees of each instalment payment that may be applied are capped at 25% of the original transaction value or $60, whichever is less.

   

• How do I check my bills ?
  You can review your account or order history by logging in to your Pace account. Once logged in, you'll be able to review your purchases, payment history, and upcoming payments.

   

• Can I make a refund ?
  Please refer to our return and refund policy (https://genkibikez.com/refund-policy/)

   

  For more information on Pace, please click here (https://www.pacenow.co/help)

With FavePay Later - You can Buy Now, Pay Later with 0% interest !
(Only available to customers with Singapore Credit Card)

• What is FavePay Later ?
  FavePay Later allows you to split your FavePay transactions into 3 payments on a fixed term (monthly) basis.
  
  
• Are there any requirements for using FavePay Later ?
  - You do not have any outstanding late installments.
  - You are not using a prepaid or debit card for FavePay Later.
  - Your card is valid for more than 3 months.
  - Your card is not shared with another Fave account/user.
  - Credit card issued by a local financial institution.

   

• How to use FavePay Later ?
  - Add your product to cart on GenkiBikeZ and checkout.
  - At the payment page, select FavePay Later as your payment method and you will be redirected to a secure payment gateway to complete your order.
  - Register or login to your FavePay account. If you do not have an FavePay account, set up an account.
  - Enter or verify your payment details then confirm your order.
  - After the checkout is done, your orders will be process within 5 - 7 working days.
  
  
• What is my credit limit ?
  

  You can check your FavePay Later credit balance from your Fave app > Me tab (bottom right) > My FavePay Later.

  - "Remaining balance" indicates the current total amount that you are able to use on your FavePay Later transaction/s;
  - "Total used" indicates the total amount of outstanding payments from your existing FavePay Later installments;
  - "Approved balance" is the total amount of FavePay Later credit balance that is available for you on your Fave account. 
  
  

• What happen when I missed out payment ?
  There is a 1.5% penalty fee incurred (calculated based on the total late payable amount) for instalment payments that are more than 7 days late. Hence, to avoid any penalty, do ensure that your FavePay Later payment card is correctly updated and that it has sufficient funds for any upcoming installments.
  
  
• How do I check my bills ?
  You can review your account or order history by logging in to your FavePay account. Once logged in, you'll be able to review your purchases, payment history, and upcoming payments.

   

• Can I make a refund ?
  Please refer to our return and refund policy (https://genkibikez.com/refund-policy/)

   

  For more information on FavePay Later, please click here (https://www.myfave.com/help)

With LatitudePay - You can Buy Now, Pay Later with 0% interest !
(Only available to customers with Singapore Debit/Credit Card)

• What is LatitudePay ?
  LatitudePay allows you to split up your purchase into 3 interest free instalment payments. You have the option to pay for your purchase with a credit or debit card in 3 equal payments. You will make the payments every month directly to LatitudePay using your card.
  There is no interest or fees to use this service if you follow the automated payment schedule.
  
  
• Are there any requirements for using LatitudePay ?
  - At least 18 years old.
  - A Singaporean Citizen, Permanent Resident, EP or S Pass holders.
  - Have a Singapore residential address.
  - A mobile number issued with a Singapore prefix (+65).
  - A valid email address.
  - Credit card/debit card issued by a local financial institution.
  
  
• How to use LatitudePay ?
  - Add your product to cart on GenkiBikeZ and checkout.
  - At the payment page, select LatitudePay as your payment method and you will be redirected to a secure payment gateway to complete your order.
  - Register or login to your LatitudePay account. If you do not have an LatitudePay account, set up an account.
  - Enter or verify your payment details then confirm your order.
  - After the checkout is done, your orders will be process within 5 - 7 working days.
  
  
• What is my credit limit ?
  

  To ensure responsible spending practices, each LatitudePay purchase is evaluated by our system for approval. This takes into account many different factors, including your prior credit history and how many purchases that have been made and successfully paid back using LatitudePay.
  Meaning, the longer you have been using our LatitudePay in 3 instalments services, and the more orders you have successfully repaid on schedule, the more likely you will be able to spend more.
  Minimum spend is S$35.
  
  

• What happen when I missed out payment ?
  

  If you fail to make the scheduled payment on the due date, we will provide you a courtesy 2-day grace period so that you can update your payment method or ensure enough funds are available on your selected card.

  If you fail to make a payment by the end of the courtesy grace period you will be charged a late fee per failed scheduled payment. The late fee starts at S$15 for order values up to S$999.99 with an additional S$15 fee for every S$1,000 increase in order value. For example, if you were late paying for a purchase valued between S$1,000 and S$1,999, your late fee would be S$30.  
  
  

• How do I check my bills ?
  You can review your account or order history by logging in to your LatitudePay account. Once logged in, you'll be able to review your purchases, payment history, and upcoming payments.

   

• Can I make a refund ?
  Please refer to our return and refund policy (https://genkibikez.com/refund-policy/)

  
  For more information on LatitudePay, please click here (https://www.latitudepay.com/help)

With PaySlowSlow- You can Buy Now, Pay Later with 0% interest !
(Only available to customers with Singapore Debit/Credit Card)

• What is PaySlowSlow ?
  PaySlowSlow is a Buy Now, Pay Later service that allows customers to make flexible interest-free payments online over the course of 4 months.

   

• Are there any requirements for using PaySlowSlow ?
  - At least 18 years old.
  - Be a natural person and not a company, partnership or commercial entity.
  - Be a resident of Singapore.
  -  Have a valid email address belonging to you and of which you are the registered user.
  - A mobile number issued with a Singapore prefix (+65).
  - Credit card/debit card issued by a local financial institution.
  -  Be capable of entering into a legal binding contract.
  - Agree that you will have only one Customer Account, which must be in your real name and you are not already restricted from using the Website or PaySlowSlow.

   

• How to use PaySlowSlow ?
  - You can browse through the different merchants on PaySlowSlow website and select PaySlowSlow as your preferred payment method when you pay online or offline (Please contact GenkiBikeZ through our whatsapp for QRCode payment).

   

  OR

   

  - Add your product to cart on GenkiBikeZ and checkout.
  - At the payment page, select PaySlowSlow as your payment method and you will be redirected to a secure payment gateway to complete your order.
  - Register or login to your PaySlowSlow account. If you do not have an PaySlowSlow account, set up an account.
  - Enter or verify your payment details then confirm your order.
  - After the checkout is done, your orders will be process within 5 - 7 working days.

   

• What is my credit limit ?
  

  The spending limit is up to SGD5,000 upon verification and approval.

   

• What happen when I missed out payment ?
  

  If you missed a scheduled payment, an admin fee of SG$15 will be charged 1 day after the payment is due and your account will be temporarily frozen until the outstanding payment and Admin Fee have been cleared.

  There is a cap of SGD$150 admin fees for all late payments.

  - However, before each payment is due, a push notification / SMS / email will be sent to notify you of the upcoming payment.

   

• How do I check my bills ?
  You can review your account or order history by logging in to your PaySlowSlow account. Once logged in, you'll be able to review your purchases, payment history, and upcoming payments.

   

• Can I make a refund ?
  Please refer to our return and refund policy (https://genkibikez.com/refund-policy/)

  
  For more information on PaySlowSlow, please click here (https://payslowslow.com/sg/help)

With Ablr- You can Buy Now, Pay Later with 0% interest !
(Only available to customers with Singapore Debit/Credit Card)

• What is Ablr ?
  Ablr (pronounced as "ey-bler"), enables you to make purchases that are important to you and pay for them over time. We are a huge believer in ethical finance where you will never pay more than you agree to upfront, with no late fees or surprises, ever. By focusing on supporting you, we hope our service will help you spend responsibly and sustainably.

   

• Are there any requirements for using Ablr ?
  - At least 18 years old.
  - Be a citizen or permanent resident of Singapore.
  - Have a valid and verifiable mobile number.
  - Credit card/debit card issued by a local financial institution.

   

• How to use Ablr ?
  - You can browse through the different merchants on Ablr App and select Ablr as your preferred payment method when you pay online or offline (Please contact GenkiBikeZ through our whatsapp for QRCode payment).

  OR

   

  - Add your product to cart on GenkiBikeZ and checkout.
  - At the payment page, select Ablr as your payment method and you will be redirected to a secure payment gateway to complete your order.
  - Register or login to your Ablr account. If you do not have an Ablr account, set up an account.
  - Enter or verify your payment details then confirm your order.
  - After the checkout is done, your orders will be process within 5 - 7 working days.

   

• What is my credit limit ?
  

  The spending limit may vary with the information you have submitted via identity verifications and approval.

   

• What happen when I missed out payment ?
  

  Ablr does not charge any late fees. If you have any outstanding repayment that is overdue, you will be suspended from making any new transaction. You will receive active reminders from us on making your payment, do approach us in advance should you experience difficulties for your upcoming payment deduction.

   

• How do I check my bills ?
  Go to your account on ablr.com and click on 'Transactions', as displayed on the top right corner, there you will see your active and past transactions with Ablr. Click 'details' to load information on your Ablr payment plan for each transaction that includes repayment schedule, monthly repayment amount, and the number of months paid.
  
  
• Can I make a refund ?
  Please refer to our return and refund policy (https://genkibikez.com/refund-policy/)

  
  For more information on Ablr, please click here (https://ablr.com/sg/help)

With PineLabs- You can Buy Now, Pay Later with 0% interest !
(Only available to customers with Singapore Credit Card)

• What is PineLabs ?
  - PineLabs Pay Later is an instalment program enabled by Mastercard with Pine Labs. It allows eligible
  DBS/POSB Credit Cardmembers to easily split their full purchase amount into equal monthly
  instalments spread over a repayment period at participating in-store and online merchants.
  
  
• Are there any requirements for using PineLabs PayLater ?
  - The DBS/HSBC Instalment Payment Plans is only applicable for all DBS/HSBC Credit
  cardholders (VISA/MasterCard).
  
  
• How to use Pay Later ?
  - Add your product to cart on GenkiBikeZ and checkout.
  - At the payment page, select PineLabs via 2C2P as your payment method and you will be redirected to a secure payment gateway to complete your order.
  - Register or login to your banking account.
  - Enter or verify your payment details then confirm your order.
  - After the checkout is done, your orders will be process within 5 - 7 working days.
  
  
• What is my credit limit ?
  

  The minimum spend in a single transaction to qualify for a transaction is S$100.
  This amount may vary across participating merchants.
  The maximum spend amount for a transaction is capped at the Cardmember’s
  available credit limit.
  
  

• What happen when I missed out payment ?
  

  If any instalment payment that was due in your monthly credit card statement is not received
  by DBS/HSBC Bank in full, DBS/HSBC Bank reserves the right to levy the applicable late fees and/or
  finance/interest charges on the outstanding amounts at our prevailing rate(s).
  
  

• How do I check my bills ?
  Your DBS/HSBC Instalment Plan details are shown on your monthly DBS/HSBC Credit Card statement
  of account together with other Credit Card transactions. It will be specified under “Instalment
  Plans Summary Plan” under descriptor “PAY LATER INSTALMENT PLAN” and will include
  details such as principal amount, no. of instalment tenure, remaining no. of instalment
  payments to pay and outstanding amount due.
  

   

• Can I make a refund ?
  Please refer to our return and refund policy (https://genkibikez.com/refund-policy/)

  
  For more information on DBS/HSBC, please click here (https://dbs.com/sg/help) (https://hsbc.com.sg/split)
  

With UOB Instalment Payment Plans - You can Buy Now, Pay Later with 0% interest !
(Only available to customers with Singapore Credit Card)

• What is UOB Instalment Payment Plans ?
  - UOB Credit Cardholders can opt to pay for their purchases via a 3-month, 6-month or 12-month interest-free instalment plan.

  Under the UOB 0% Instalment Payment Plan (IPP), UOB Credit Cardholders can choose to divide payments for their purchase (min S$100) into three, six or twelve equal, interest-free instalments to be paid monthly, starting from their next billing month.

   

• Are there any requirements for using UOB Instalment Payment Plans ?
  - The UOB Instalment Payment Plans is only applicable for all UOB Credit
  cardholders (VISA/MasterCard).
  
  
• How to use UOB Instalment Payment Plans ?
  - Add your product to cart on GenkiBikeZ and checkout.
  - At the payment page, select UOB Instalment Payment Plans via 2C2P as your payment method and you will be redirected to a secure payment gateway to complete your order.
  - Register or login to your banking account.
  - Enter or verify your payment details then confirm your order.
  - After the checkout is done, your orders will be process within 5 - 7 working days.
  
  
• What is my credit limit ?
  

  The minimum spend in a single transaction to qualify for Pay Later transaction is S$100.
  This amount may vary across participating merchants.
  The maximum spend amount for a transaction is capped at the Cardmember’s
  available credit limit.
  
  

• What happen when I missed out payment ?
  

  If any instalment payment that was due in your monthly credit card statement is not received
  by UOB Bank in full, UOB Bank reserves the right to levy the applicable late fees and/or
  finance/interest charges on the outstanding amounts at our prevailing rate(s).
  
  

• How do I check my bills ?
  Like any other card transaction, the instalment payable will be reflected in your
  credit card statement.
  Each instalment will be billed to your credit card statement, which will indicate
  the number of instalments charged to date.
  
  
• Can I make a refund ?
  Please refer to our return and refund policy (https://genkibikez.com/refund-policy/)

  
  For more information on UOB, please click here (https://uob.com.sg/instalment-payment-plan)