Setting Up : Using Payment Form
ShopBack PayLater Feature in senangPay Payment Form
We are partnering with ShopBack PayLater ,a new payment option to senangPay. It’s one that we believe will be a game-changer for your business! Your customers can use ShopBack PayLater to make payments on your platform with monthly instalments absolutely 0% interest!
A. How to register ?
Check here for the registration steps.
B. What are the required documents ?
Check here for the required documents.
C. What package available for this feature ?
ShopBack PayLater feature only available for Advance & Special Package.
D. Transaction Charge
| Item | MDR |
|---|---|
| 3-payment plan | MDR 5.5% |
E. Is there any integration needed ?
No integration is needed.
F. Does Shopback feature comes by default ?
- Yes. However our onboarding team will double check if your business fall under Prohibited Business as listed in (G) below, you’re not eligible for our BNPL feature. If you believe we have tagged your business wrong, please email us at [email protected]
G. High-Risk and Prohibited Industry and Product List for ShopBack Pay and PayLater
1. Prohibited list – Not to be onboarded
| Industry Name | Description |
|---|---|
B2B Purchases | Merchant sells products to a customer for resale or business purposes |
Fortune Tellers | Fortune telling, tarot cards, mystics, or related services. Does not include sale of publications only with no other services tendered |
Essay Mills | Essay and paper mills or homework services |
Counterfeit products Intellectual property or proprietary rights infringement | Unauthorized sale or resale of brand name / designer products or services; sale of goods or services that are illegally imported or exported. Sales, distribution / access to counterfeit music, movies, software, or other licensed materials without appropriate authorization |
Selling Social Media Followers or Likes | Selling Social Media followers of likes is in breach of most social media platform’s acceptable use agreement |
Website Mining Services | Website mining services like mining of prices on Amazon is in breach of most website’s acceptable use agreement |
Bot Services | Automated bots for purchasing of products, gaming, etc. in breach of a platform’s acceptable use agreement |
Multi-level marketing | Pyramid schemes, network marketing, and referral marketing |
“Get Rich” / “Easy Profits” scheme | Includes course to beat stock markets, properties investment requiring small overlays and FOREX investments that promises profits |
Trial and deceptive marketing | Website that lures customers into “free trials” or cheap products followed by automatic renewal of services |
Spam | Activity of spamming consumers with unsolicited deals/offers |
Penny auctions | Pay to bid” auction services |
Cyberlocker | “Free to download” but “Pay for Premium Download”. Usually used by movie and software pirates to distribute bootleg content |
Split payments with other BNPLs | Merchants who allow split payments with other BNPL providers |
Pornography | Merchants who sell obscene materials (literature, imagery, etc.) |
Virtual currency | Virtual currency that can be monetized, resold, or converted to physical or digital products and services or otherwise exit the virtual world (e.g., Bitcoin); also includes in-game currency or assets |
Video game or virtual world credits | Sale of in-game currency or game items, unless the merchant is the operator of the virtual world |
Money and Legal services credits | Merchants who provide professional services involving money-related or legal-related services. |
Money Services / Lenders | Businesses that transmit or convert money; includes remittance companies, money-changers, check cashing, and money lending |
Gift cards / Prepaid / Wallet | Prepaid gift cards to enable exchange for any electronic items Services which allows top-up to a stored value card or wallet |
Virtual currency or stored value | Virtual currency that can be monetized, resold, or converted to physical or digital products and services or otherwise exit the virtual world (e.g., Bitcoin); sale of stored value or credits maintained, accepted and issued by anyone other than the seller |
Investment Related Products | Investment consultancy, education, or services like trading/brokerage |
Pseudo pharmaceuticals | Products that make health claims that have not been approved or verified by the applicable regulatory body |
Smoking and tobacco products | Tobacco products and related smoking apparatus like e-cigarettes |
Alcohol F&B: Bars, Clubs, etc. | F&B premises which drive revenue largely from the sale of alcohol. |
F&B Delivery, Dine In & Takeaway | F&B Merchants with advanced ordering, dining in, or takeaway services |
Jamming Devices | Products meant for decryption or descrambling; cell signal jammers |
Weapons / Flammables / Fireworks / Toxic and Radioactive materials | Guns, knives and related weaponry but excludes household kitchen items. Includes weapon parts, and munitions; gunpowder and other explosives; fireworks and related goods; toxic, flammable, and radioactive materials. Also includes products with the likeliness of weapons and requires permission from local authorities for sale. |
Casino and online gambling | Lotteries; bidding fee auctions; sports forecasting or odds making; fantasy sports leagues with cash prizes; internet gaming; contests; sweepstakes; games of chance |
Pawn shops | Pledges of items with value for a loan at less that the pledged value |
Loot boxes or mystery boxes | Loot and mystery boxes that do not guarantee specific products and offer a chance to obtain products from a pool |
Gold bars, commemorative gold items and gift cards | Gold bars or commemorative items (e.g. SG 50 gold coins) that have high intrinsic value and easily transferable or gift cards to enable exchange for any jewelry items. |
Precious Stones and Real Gold Products (including jewelries) | Jewelry with diamonds, precious stones or real gold / gold plated |
Open Invasive Surgery for Cosmetic/Aesthetic Purposes | Open Invasive Surgery is defined as a medical procedure that involves the cutting of skin and tissues so that the surgeon has a full view of the structures or organs involved. (Breast Surgery, Liposuction, Facial Surgery) Gender realignment or confirmation surgery is a medical surgery and not considered a cosmetic/aesthetic surgery and is also prohibited. Any procedure which requires an overnight stay. |
Timeshares | Selling lease and rent timeshares real estate and arranging timeshare accommodation exchanges, or long term / lifetime club membership. |
Torrents, movies or software | Activity that involves the distribution of copyrighted digital content such as movies, books, software or any other media |
Unlicensed Businesses | Operating illegally without relevant licenses required to conduct |
Wildlife Trade | Live wildlife animals classified as endangered or protected, or in animal products procured through poaching or other illegal practices. |
Immoral Activities Related | Goods or services invoking or supporting racism, violence, abuse, discrimination, hatred, terrorism, pedophilia, or other immoral activity |
Logistics | Drop shipping, forwarding brokers are strictly prohibited. |
Drop-shippers | Merchants who do not hold any form of inventory and act as a middleman between the supplier and customers.
|
Marketplaces | Online marketplaces that accept credit cards and bring together cardholders and retailers selling a range of goods or services that may otherwise qualify for different industries, on a single e- commerce website or mobile application, under a single brand used to identify itself to cardholders. |
Charity and non-profit organizations | Entities that have been granted tax-exempt status because they further a social cause and provide a public benefit. |
Merchants with no business registration (i.e. Individuals who conduct business operations) | Merchants who operate without registering with the local authorities and operate as an individual who conducts business operations. |
2. High Risk list – Please contact your partner manager / contact at ShopBack to discuss
| Industry Name | Description |
|---|---|
Watches | Merchants who sell any form of watches or clocks. |
Antiques | Any form of item, artwork or furniture that is perceived to have a high intrinsic value due to its age or uniqueness |
Art Dealers and Galleries | Merchants are classified as selling artwork such as paintings, photographs, or sculpture |
Stamp and Coin Stores | Merchants are classified as selling postage stamps and coins, and related accessories for the purpose of stamp collecting, coin collecting or investment. |
General Insurance | Merchant licensed to sell insurance products to individuals. |
Portable WiFi | Merchants who provide portable WiFi services locally or internationally. |
Non-Invasive and Minimally Invasive Surgery for Cosmetic/Aesthetic Purposes | Includes aesthetic clinics, dental clinics and other forms of medical centers which offer non-invasive surgery services. Examples of Minimally Invasive Surgery: Hair / Tattoo Removal, Dermal Fillers / Botox, Laser Skin Resurfacing |
Used Merchandise and Secondhand Stores | Merchants sell used merchandise or secondhand goods such as accessories, shoes and clothing, furniture, books, bicycles, musical instruments, sewing machines, electronic equipment, appliances, and other household items. Typically, the items for sale have been donated or are on consignment. |
Resellers or Unofficial Distributors of Luxury Products | Resellers (Brand New or Used) luxury products, or unofficial distributors of luxury products (not licensed by the brand) like leather bags, wallets, accessories, apparels etc. |
Luxury Leather Goods Merchants | Official sellers or distributors of luxury products like leather bags, wallets, accessories, apparels etc. |
Split Payments or Progressive Payments | Services which offer a split payment or progressive payment across a period of time. |
Rental Companies | Companies who lease out assets like clothing or vehicles. |
Other Packages Service Providers | Service providers which sell packages and are not classified under any of the industries listed in this document. |
Automotive Service Shops (Non-Dealer) | Merchants who conduct automotive repairs and general or specific services |
Beauty and Cosmetic Service Providers ● Nail / Hair Salons ● Spas / Massage ● Other beauty & cosmetics | Merchants that provide beauty and cosmetic services. These merchants do not include merchants who only sell cosmetic products. For non-invasive and invasive surgery, please see the respective industry requirements. |
Travel Providers: ● Airline, Travel Agents ● Cruises / Bus / Train | Not including sellers that offer day trips with limited prepayment |
Payment Service Provider (PSP) Resellers | PSP Resellers are payment platforms which “resell” payment services of other payment providers to its sub-merchants. ShopBack does not acquire the individual sub-merchants and agreement is signed with the PSP Reseller instead. |
Drugs / Pharmaceutical | Merchants who sell pharmaceutical products or drug related products (legally as per local regulations). |
Duty Free Stores | Tax free purchases from a licensed retailer. |
Subscription or Membership Model | Merchants who provide services through a subscription-based model. Subscription-based model is defined as an arrangement to receive something regularly by paying in advance. |
Electronics | Merchant who sells consumer electronic products. Merchants who sell home appliances like fridge and washing machines are not included in this vertical. Merchants who sell furniture with electronic components like massage chairs or standing desks are not included in this vertical. |
Electronics Repair Shops | Providers of repair services for electronics like phones, laptops or air-conditioning units. |
Active Mobility Devices (Powered) | Merchants who sell Power Mobility Devices (PMD), Power-Assisted Bicycles (PAB) and Personal Mobility Aids (PMA). |
Adult Toys | Merchants who sell adult sex toys or related products. Does not include pharmaceuticals or drugs related products. Please see Pharmaceuticals / Drugs for more information. |
Alcohol | Wines, liquor, beer or any alcoholic beverages taken away or delivered to the customer and does not include consumption on premise. |
Groceries/Supermarkets | Merchants who sell general grocery products either in-store or online. |
Please take note that :
If the Applicant conducts any transaction involving the above goods or services, SHOPBACK PAYLATER
reserves the right to terminate any existing agreement with the Applicant. The Applicant shall fully
indentify SHOPBACK PAYLATER against any claims, losses, damages or fine brought by any third party, Card
Associations, Bank, any regulatory body, any governmental or non-governmental authorities related to
SHOPBACK PAYLATER in connection with the use of or access to the Service. The Applicant shall forthwith reimburse
SHOPBACK PAYLATER for any fine imposed and all costs (legal or otherwise) and/or damages incurred by SHOPBACK PAYLATER.
H. How to enable ShopBack PayLater feature in your payment form ?
1. Login to your senangPay Dashboard.
2. Go to Menu > Settings > Profile
3. Refer to the ‘Payment Option Availability’.
4. Drag the Shopback options accordingly.
5. Scroll down the page and click “Save.”
6. Now, you need to double check the result of the changes. Go to your any Payment Form and open it. You should see the options of the payment is based on your setting. For example, below is a screenshot for the selected payment options for ShopBack PayLater.
7. Your customer will be directly to this page, for the instalment payment.
I. How to set up ShopBack PayLater instalment price divider integration
The ShopBack PayLater instalment price divider is an essential part of the ShopBack PayLater integration. It will appear on both collection and product pages, as shown below.
Here’s the step for the manual integration:
1. You may email us at [email protected] or call our support team to request for your CDN-ID.
2.Once you have received the CDN-ID you can proceed to implement to your site. Add your CDN-ID to the script below:
<script src="https://merchant.cdn.hoolah.co/<your-CDN-ID>/hoolah-library.js" defer="defer"></script>3. Once you have completed the above steps. Let us know to activate the feature. We will verify whether the JS library script is inserted correctly, if all is good, we will start the configuration of the ShopBack Price Divider to your website and update you once it is done.
4. Then, integrate ShopBack PayLater on your existing e-commerce platform, as shown in the tutorial :
If you encounter any difficulties during the integration process or require further assistance, reach out to the senangPay team or consult your technical support team for additional guidance.
J. What can I do as a senangPay merchant ?
You can simply share / announce this feature in your social media .