HOI now makes it easier for customers to complete their road tax and insurance renewal payment with PayLater options.

Customers can now proceed to the HOI payment page, choose eWallet, select DuitNow QR, and scan the QR code using supported PayLater apps such as SPayLater / ShopeePayLater, Grab PayLater, Atome, or any other PayLater wallet that supports QR scan payment.

This gives customers more flexibility when paying for their renewal, especially when they prefer to split their payment through a PayLater provider.

How to Use PayLater on HOI

Using PayLater on HOI is simple:

1. Complete your road tax or insurance renewal order on HOI.
2. Proceed to the payment page.
3. Select eWallet as the payment method.
4. Choose DuitNow QR.
5. Scan the QR code using your supported PayLater app.
6. Confirm the payment in your app.

Once the payment is successful, HOI will continue processing your renewal as usual.

Supported PayLater Method

At the moment, customers may use PayLater through any app that supports QR payment scanning.

For example, if your ShopeePayLater account allows payment by scanning DuitNow QR, you can use it to pay on HOI.

Availability depends on your PayLater provider, account eligibility, app settings, and approval from the PayLater service provider.

Why This Helps HOI Customers

Road tax and insurance renewal can sometimes be a large one-time payment. With PayLater QR payment, customers have another option besides card, online banking, or normal eWallet payment.

This is useful for customers who want:

• More flexible payment options
• A QR-based payment method
• PayLater support through their own wallet app
• A smoother checkout experience on HOI

HOI does not provide the financing directly. The PayLater approval, repayment terms, charges, and instalment details are handled by the PayLater provider used by the customer.

Renew Road Tax, Takaful and Insurance with Flexible Payment

HOI continues to improve the online renewal experience for Malaysian vehicle owners.

Customers can renew their road tax and insurance online, proceed to payment, and now use supported PayLater QR payment where available.

To use this feature, simply go to the payment page and choose:

eWallet → DuitNow QR → Scan using supported PayLater app

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PayLater Apps You May Be Able to Use

HOI supports payment via DuitNow QR under the eWallet payment method. Customers may scan the QR using supported PayLater apps, depending on the app’s QR payment feature and user eligibility.

Examples of PayLater providers in Malaysia include:

• SPayLater / ShopeePayLater
• Grab PayLater
• Atome
• Other PayLater wallets that support QR payment

Important: HOI does not approve or provide PayLater financing directly. The PayLater plan, approval, charges, repayment schedule, and availability are handled by the selected PayLater provider.

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Frequently Asked Questions

Can I use ShopeePayLater to pay on HOI?

Yes, you can use ShopeePayLater if your Shopee app allows you to scan and pay using DuitNow QR for that transaction.

Where do I select PayLater on HOI?

You do not need to select a separate “PayLater” button on HOI. Proceed to the payment page, choose eWallet, then select DuitNow QR. After that, scan the QR code using your PayLater-supported app.

Does HOI provide PayLater directly?

No. HOI does not provide financing or PayLater credit directly. PayLater approval, repayment, charges, and instalment terms are handled by the PayLater provider.

Can I use any PayLater app?

You can use any PayLater app that supports QR scan payment for the displayed DuitNow QR. Whether it works depends on your wallet provider and account eligibility.

Can I use PayLater for road tax renewal?

Yes, if your PayLater app supports scanning the DuitNow QR shown on the HOI payment page, you may use it for your road tax renewal payment.

Can I use PayLater for insurance renewal?

Yes, supported PayLater QR payment can be used when paying for insurance renewal through HOI, subject to approval and availability from your PayLater provider.

What should I do if PayLater does not appear in my wallet app?

Check your wallet app directly. PayLater availability depends on your provider, account status, transaction type, and approval limit.

Is DuitNow QR the same as PayLater?

No. DuitNow QR is the QR payment method. PayLater is provided by your wallet or payment app. HOI displays the QR code, and your PayLater app decides whether PayLater can be used.