Naver Pay postpaid payment is a service provided by Naver Smart Store. When making an online payment, you purchase a product through Naver Pay and pay later on a specified date. You can purchase goods up to 300,000 won without paying cash, enabling convenient consumption.
Naver
Postpaid Payment System (BNPL)
The BNPL (buy now, pay later) system is growing and is provided by Naver Pay, Coupang, Toss, etc.
Naver Pay Postpaid Payment
It is intended for Koreans aged 19 or older.
Limited to one ID per person.
You can select a payment date, and postpayment is possible even after points are used up.
Advantages:
The monthly payment limit is up to 300,000 won.
You can earn 1% points when paying postpaid.
Annual membership fees and commissions are free.
Income deduction is possible with cash receipts.
How to apply for Naver Pay postpaid payment
Go to Naver Pay > My Assets > Postpaid Payment page.
I accept the Terms and Conditions.
Select a payment date and register a payment account.
Enter your Naver Pay password to check your usage level.
Complete your application.
Toss postpaid payment
It is intended for Koreans aged 19 or older.
The monthly payment limit is up to 300,000 won, and annual fees and commissions are free.
disadvantage:
Toss is only available at selected affiliated stores.
How to apply for Toss postpaid payment
Launch the Toss app and go to the Payment tab.
Click Postpay and agree to the terms and conditions.
After checking the limit, select the payment account item.
Select a payment date and complete the application.
Coupang Pay Later
It is only available on mobile devices and cannot be used at merchants that do not display the Pay Later banner.
Advantages:
You can use the service without application.
The monthly payment limit is up to 1.3 million won, and 11 monthly installments are available.
disadvantage:
Usage is limited.
There are no additional benefits other than installments.
Postpaid payment is an alternative that allows you to easily purchase products without a credit card, but you must be careful as it can cause credit problems if used without careful management.
Naver Pay postpaid payment information
Naver Pay Postpaid Payment Overview
Naver Pay postpaid payment refers to purchasing a product first and paying later on a specified date. A usage limit of up to 300,000 won is granted, and it is one of Naver Pay’s new payment services.
Advantages of Naver Pay postpaid payment
Even when you are short on money, you can shop up to 300,000 won.
Every time you use it, 1% Naver Pay points are accumulated.
Annual membership fees and commissions are 100% free.
Income deduction is possible through cash receipts.
Available at over 100,000 merchants.
It does not affect your credit score.
Postpayment target, terms of use, usage limit
It is intended for Koreans aged 19 or older and is limited to one ID per person.
Payment dates can be selected on the 5th, 15th, or 25th, and can be made even after the points or money you have are exhausted.
There is a maximum usage limit of 300,000 won, which is granted upon signing up. The limit may be increased through consistent use.
In case of late payment, a late payment fee of 12% per year or 0.0328% per day is charged.
Deferred payment payment date and period of use
You will be billed 10 days prior to the payment date.
Payment dates and usage periods are as follows.
5th of every month: 21st of the previous month ~ 20th of the previous month
15th of every month: 1st of the previous month ~ last day of the previous month
25th of every month: 11th of the previous month ~ 10th of the current month
How to apply for deferred payment
Go to Naver Pay > My Assets > Postpaid Payment page.
I accept the Terms and Conditions.
Select a payment date and register a payment account.
Enter your Naver Pay password to check your limit.
Complete your application.
How to use deferred payment
Add the product to your shopping cart.
Go to the payment screen to place your total order.
Check and check the limit available for deferred payment.
Complete the deferred payment by clicking Payment.
Where to use postpaid payment
You can use deferred payment at Naver Shopping Smart Store, affiliated stores, etc. However, it may be restricted at some affiliated stores.
Frequently Asked Questions
Postpayment is not available to teenagers.
Reasons for application rejection include minors or foreigners.
If the postpaid payment checkbox is not exposed, the service is not supported.
There are late fees and restrictions in case of late payment.
You can easily purchase products without a credit card through Naver Pay deferred payment, but you should keep in mind that proper management and careful use are required.
5th of every month
21st of the previous month ~ 20th of the previous month
15th of every month
1st of the previous month ~ Last day of the previous month
25th of every month
11th of previous month ~ 10th of current month
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