Shop Now & Enjoy Instalment Up To 24 Months With
Boost PayFlex

• Boost PayFlex (formerly known as Boost PayLater) is a digital payment solution provided by Boost Credit (formerly known as Aspirasi) in collaboration with participating partners and/or merchants that enable you to purchase goods and/or services offered by merchants and to obtain financing facility that enable you to finance your purchases and this is made via the Boost PayFlex facility available on Axiata Digital eCode Sdn Bhd’s (Company No: 201701000820 (1214970-T) (“Boost Life”) (“Merchant”) e-Wallet platform for the purchase via instalment(s) (only applicable for the services listed in Table 1).
• Please refer to the relevant Terms and Conditions for more information on the Boost PayFlex offerings.
   

• If you are eligible for Boost PayFlex, you will be assigned with a credit limit which may vary for different customers. Please refer to the subsequent question on how the credit limit works.
• You will be able to draw down your PayFlex limit to make your payments/transactions at our accepted PayFlex touchpoints.
• PayFlex allows you to transact today and split your payments into 3, 6, 9, 12, 18 or 24 monthly instalments, making it easier to manage your expenses over time.
• The offerings and options may vary for different touchpoints/merchants/partners subject to our negotiation.
• Thereafter, you can monitor your payments, repayment details, and all details pertaining your PayFlex transaction(s) in the Boost PayFlex dashboard in your Boost App.
• You will make repayment according to the due dates of your PayFlex transactions.
• Please refer to the relevant Terms and Conditions for more information on the Boost PayFlex offerings.
   

Boost PayFlex is a versatile payment solution that can be used for various transactions.  

Refer to Table 1 in the FAQ below for a list of Billers and Telco Providers within the Boost App that accept PayFlex. 

1. Scan and Pay:  
- Scan and Pay offline at any DuitNow QR or Boost QR merchant nationwide.
- Enjoy flexible payment terms of up to 24 months instalment! 

2. Cash-In: Top-up your Boost Wallet using Boost PayFlex and spend at any merchant, as you would with your wallet funds.  

3. Online Purchases: Split your online purchases up to 24 months instalment.    

4. Bill Payment: Settle your utility bills, and other recurring expenses conveniently using Boost PayFlex.  

5. Prepaid Telco Top-Ups: Recharge your prepaid mobile phone or internet plan with Boost PayFlex and spread the cost over time. 

6. Telco Postpaid Payments: Make your postpaid mobile or internet bill payments seamlessly with Boost PayFlex. 

7. Beyond Card: Elevate your Boost PayFlex experience with your Beyond Card, a seamlessly integrated prepaid Mastercard that grants you the flexibility to spread your payments over up to 24 months instalment. Use your Beyond Card to make payments at any Mastercard touchpoint worldwide, including online stores, offline stores, and more. 
 

• The limits are assigned based on your profile and information that we know of you and cannot be manually adjusted by request. However, the limits is subject to change from time to time.
• You may however make repayment for your existing PayFlex contracts within the Boost App. After repaying a contract, the said limit amount will be replenished and you’ll be able to transact again.
• If you are eligible, you can apply to increase your credit limit on your dashboard. Please see the “Question About Increase Credit Limit” section below for more information.   
   

• On top of the existing method of using Online Banking or Debit/Credit Card, you can now use Boost PayFlex to Cash-In to your Boost Wallet!
• Watch How To Cash-In To Boost Wallet With PayFlex and Pay In Instalment here! 

Money added to your Boost Wallet using Boost PayFlex can be used for a wide range of purchases and bill payments, including:

- Scan and Pay at any DuitNow QR or Boost QR merchant nationwide.
- Bill payments for utilities, internet, and other services.
- Prepaid and postpaid telco reloads.
- Beyond Card to make payments at any Mastercard touchpoint worldwide when your Source of Fund is set as “Boost Wallet”.

Please note that once you've added money using Boost PayFlex to your Wallet, you will temporarily be unable to make DuitNow transfers, P2P transfers, and investment payments. This restriction is in place to prevent misuse of funds until the PayFlex contract is repaid. 
 

• Expanded Payment Options: Boost PayFlex extends your payment options, allowing you to seamlessly top up your Boost Wallet and make payments both online and in-store.
• Enhanced Purchasing Flexibility: Boost PayFlex empowers you with greater control over your finances, enabling you to plan your purchases in advance, add funds to your Boost Wallet using Boost PayFlex, and proceed to purchase your desired items at the respective stores! 
   

If you have added money to your Wallet using Boost PayFlex, you will not be allowed to make DuitNow transfer, P2P transfer and investment payments temporarily to prevent the misuse of funds until your Add Money PayFlex contract is repaid in full.

Once you repay your Add Money PayFlex contract, you can perform those transactions again! 
 

When you first signed up for PayFlex, you would have consented to link your bank account or debit card for auto-deduction of your PayFlex contract dues. The auto-debit will be triggered on the contract due date.

Linked via Bank Account
Automatic deductions from your linked bank account happen on the working days of your contract due date, excluding weekends and public holidays. Don’t worry, you will not be charged late payment fees should your repayment date fall on any of these exclusion days.

Linked via Debit Card
Automatic deductions from your linked debit card will be charged on your contract due date, including weekends and public holidays.

Please ensure you have sufficient funds in your bank account or debit card to cover the payment on the contract due date.

If you wish to make early repayments, you can also manually repay your contract via your Boost e-Wallet, debit card or online banking (FPX) - any time at all! Just follow these simple steps:

1. On the Boost PayFlex dashboard, click the "Pay Now" or "Repay All" button.
2. You can select to repay via your Boost e-Wallet, debit card or online banking (FPX). 
3. Once selected, you are required to confirm the transaction by:
• Boost e-Wallet: Biometric authentication or six digit PIN.
• Debit card: Card authentication if it is a newly added card.
• FPX: Logging into your bank account to authenticate the transaction.
4. Upon successful payment, you will be brought to the "Success" screen.

Please note that you are unable to make payment to your contract immediately after your transaction. Please wait at least 3 days after your transaction if you would like to make a manual repayment towards your contract.

In the event that you have manually repaid for a PayFlex contract (via Boost e-Wallet) that has been auto-debited from your bank account/debit card as well, don't worry! We will automatically refund your repayment back to your Boost e-Wallet.

For manual repayment via debit card, we will automatically refund your repayment to the debit card that you have linked to your PayFlex account. For manual repayment via FPX, please contact support ([email protected]) for further assistance on manual refund as we are unable to process automatic refund via FPX.

• The duration taken by each bank to process the auto debit may vary. Please note also that auto-deductions are made during working days, which excludes weekends and public holidays.
• It may take a few days from your due date to process the auto-debit from your linked bank account. Don't worry, you won't be charged with any fees within the 5 days after your due date. 
• If your auto-debit isn't reflected after 5 days, please contact [email protected] or you can pay via the Boost PayFlex Dashboard in the Boost app. Repayments will be done using your Boost Wallet. 
   

• You can use Boost PayFlex to pay your bills and telco with the following merchants on the Boost App.
   

i. Malaysian / Permanent Resident of Malaysia residing within Malaysia.
ii. Aged 21 – 60.
iii. Premium Boost App users (with good credit history) who may require monetary assistance to pay for services as listed in Table 1.
- You are pre-scored based on Boost Credit’s eligibility requirements which may include but not limited to your spending trends on Boost App (e.g. amount spend, frequency of transactions), top up method, etc. and will be notified when eligible from time to time.
- Your Boost PayFlex available limit may vary from other customers and is assigned based on your profile, CCRIS assessment and information available and provided to Boost Credit.
 

• While there are some basic requirements to be eligible for Boost PayFlex, customers are still pre-scored based on a list of other internal conditions which may change from time to time.
• The list of eligible customers may be refreshed on a regular basis. Hang in there! We’ll notify you when you’re eligible.
   

The “Increase Credit Limit” application will only be available to our active PayFlex users  who have transacted and have good repayment history. If you are eligible, you’ll be able to apply on the Boost PayFlex dashboard.

You will be required to upload your official/original EPF statement that is downloaded from the new KWSP portal or KWSP app. Please note that scanned copies or photos of your EPF statement will automatically be rejected by the system. 

To ensure a seamless application, please ensure that your EPF statement meets the following criteria: 

• PDF format only.
• Do not modify or edit the file after downloading it from KWSP.
   

It should take around one minute to complete if there is no issue with your application. However, it may take longer time (up to a few days) to process it if there are issues with your application or if you are required to resubmit your application. 

No, your limit would not be reduced. If your application to increase your limit was unsuccessful, your old limit would still be available to you. 

There may be issues with the documentation that you have uploaded where it does not meet the requirements to process your application, OR you were not eligible for a higher limit due to our internal credit policy. We are unable to disclose our credit policy.

Yes, we allow customers to come back and retry after 30 days. 
 

No, you are only able to get a limit uplift once. If this changes and you are eligible to apply for a higher limit again, we would invite you to apply.  

The result of your application should be reflected immediately. However, it may take up  to a few days for your application to be processed. If your application has not been processed after a week, please reach out to support ([email protected]). 

Please contact support ([email protected]) for further assistance on your application.

We are currently only extending this feature to users who have actively used Boost PayFlex and also have a good repayment history. We will announce it if we open it up to a wider group of Boost PayFlex users.

• Your PayFlex limit is the maximum amount that you are allowed to spend using PayFlex at a point in time at our accepted PayFlex touchpoints.
• Credit limit assigned to customers may vary for different individuals.
   

If you have more questions about PayFlex, chat with Boba, our new AI-powered chatbot who will be able to answer your questions swiftly.

If you are an existing PayFlex customer, you can find the help you need at our PayFlex Help Centre in the Boost app to receive help within 2-5 business days. Thank you for your patience!

• The auto-debit is performed based on your linked bank account or debit card selected by you during your Boost PayFlex setup.
• If you're unable to remember or would like to verify that bank account or debit card details linked, please email us at [email protected] to obtain the above information. 
   

1. You are required to make the relevant payments in accordance with the relevant Boost PayFlex offering.
2. You can make payment via the Pay Now or Pay All Now features through the dashboard whereby payment will be deducted from your Boost e-Wallet or the payment will be deducted via direct debit or debit card during the payment due date.
3. You should always have a sufficient sum of balance in the bank account you have set up direct debit or linked your debit card with.
4. In the event that you were deducted via direct debit or your debit card and have also made payments via the Pay Now or Pay All features, you will be refunded for one of the payments through your Boost e-Wallet. Please reach out to [email protected] if you have not received your refund after 2 working days.
5. Do contact Boost Credit if you foresee difficulties in making repayments, please email Boost Credit at [email protected] before the repayment due date(s) so that Boost Credit can provide the assistance you may require. Until a solution is achieved and agreed in writing by the parties, your obligation to make prompt payments on the due date(s) continues, failing which, you will incur such late payment charges accordingly.
 

Please refer here for the Fees & Charges.
 

• Depending at which phase you are in your payment, relevant late payment charges will be charged on such outstanding amount.
• If you are unable to meet your repayment obligations on the due date(s), you will incur the applicable late payment charges imposed accordingly on your outstanding amount. Boost Credit will commence legal action against you for the recovery of all payments due as well as the enforcement of all rights afforded to Boost Credit under the relevant Terms and Conditions and the relevant laws without further notice to you, where you shall be further liable for the costs occasioned thereof. Kindly also note that it is within our rights under the relevant Terms and Conditions to disclose all information set out to credit information organisations or other authority or body established by Bank Negara Malaysia, credit reporting agencies and any other authority having jurisdiction over Boost Credit, and it may limit your ability to obtain any loan or financing facility in the future from a commercial bank or a financial institution in Malaysia.
   

• You can settle your outstanding amount by clicking on the Pay Now feature on Boost PayFlex Dashboard in the Boost app.
   

• No guarantor or collateral is required.
   

• Please email us at [email protected] for more information.