Offline Merchants – First, place your order with the merchant using their available contact information; IG, website, phone number. After confirming the purchase amount and delivery costs if applicable, return to the app to complete payment with your credit card or shopping limit. Online Merchants – Visit merchant’s website in app and checkout with CredPal. There are two payment options available; one-time payment and spread payment. With one-time payment, you pay the merchant directly from your credit card balance. This must be paid back at the end of each statement period. Using the spread payment option allows you access to credit above your credit card limit, which you can pay back over 2 – 6 months. This payment method is useful for large purchases. For order approval, you’re required to make a 30% down payment. A transaction receipt is generated for both types of payments, which you can share with the merchant for order fulfilment.