Frequesntly Asked Questions

  • Who can use Buy Now Pay Later (BNPL)?

    You must be a Ghana resident, over 18 years old and have a valid payment card or mobile money to use Buy Now Pay Later. When we say valid payment card or mobile money, we mean the card or momo account must be in your name, and must not have expired. You should also make sure the card or mobile money account you use has enough money available to cover all the instalments. Buy Now Pay Later (BNPL) is a credit product. It's our decision whether or not we start a credit agreement with you.

  • How do I Buy Now Pay Later (BNPL)?

    With Buy Now Pay Later (BNPL), you can pay for something you buy by dividing the cost into three equal instalments. At checkout, pay using Shabo Pay

  • Are there any alternative options for paying off my balance?

    Yes, you are able to make payment early through the Shabo Pay App by paying by card or mobile money.

  • When will Shabo Pay take my payments?

    The first payment will be taken 30 days after you approve the transaction in your app. The second payment will be taken 30 days after the first payment, and the last one 30 days after the second payment. We'll charge your billing mandate automatically when your payment is due so you don't have to pay us back manually or worry about missing a payment. The dates these payments are due will be sent to you by email and push notifications, and you'll be able to check them in our app.

  • What happens if you can't take an instalment because I don't have enough money on my card or momo account?

    If we can't take the first instalment from your billing mandate or momo account, we'll let you know, and try up to two times again to take the money. We'll let you know when we're going to try again, so you'll have plenty of time to put some money onto your card or momo account to make the payment. If we can't take the money from you after two attempts, we'll roll the missed payment over to the second instalment. If we can't take the second instalment, we'll give you a few days to update your billing mandate details or make sure there's enough money on your card. If we still can't take payment after two more attempts, we'll roll over the payment to the next and final instalment. If we still can't take the payment, we'll try again twice. If we're still not successful, we will ask you to pay the outstanding amount directly or use a debt collection agency to collect the money for us. Shabo Pay will always get in touch with you before charging your billing mandate or momo account. We will also contact you if we roll over a payment to the next due date or if we have to use a debt collection agency. Not paying your instalments on time might also mean you can't use Shabo Pay in the future. We will report information to credit reference agencies about the payments you make, and about any payments that you fail to make on time. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit from Shabo Pay and other lenders in the future.

  • Do you charge late fees?

    We will charge you a late fee if you do not pay us up to 14 days after your 2nd or 3rd instalments are due. We’ll attempt up to three times to charge your billing mandate within this time. If we are still not able to collect payment from you, we will charge you a late fee. You will not be charged a late fee if we collect payment or you pay us before then. We’ll send you plenty of friendly reminders so you can make sure you've got enough money on your card before we collect payment from you. If your order is GHS 300 or more, we will charge you a late fee of GHS 50. If the total value is GHS 200 or less, the late fee will only be 25% of the purchase price of the order. For example, if your order’s total value is GHS 160, you will be charged a GHS 40 late fee, which is 25% of GHS 160. You will only be charged a maximum of one late fee per instalment. We won't charge you a late fee if you have less than GHS 10 left to pay.

  • How do I make a complaint?

    You can make a complaint through our customer service webpage using our live chat feature. We try to handle all complaints as quickly and smoothly as possible. If you’re not happy with our response, you can contact Shabo Pay's Complaints Adjudicator. Use the form provided alongside your final response. You can find our full complaints information here.

  • Transfer of rights

    This is a credit agreement between you and us. You can’t transfer your rights or obligations to anyone else unless you get our permission first. We can transfer these terms, or any rights and obligations you have under them, at any time. We don’t need to ask for your consent to do this, unless transferring would harm your rights and responsibilities. This means we have the right to transfer the credit agreement to another provider without asking you.