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What happens if I miss a payment?

How we handle overdue payments

Written by Jett

If you know a payment is going to be a problem, tell us before it's due. We'd much rather hear from you early — there's almost always something we can do, and the options narrow once payments start failing.

If you're having trouble paying

  • Request a payment extension in your account under Manage Your Booking → Upcoming Payment. You'll see immediately whether it's approved, or we'll email you if it needs review.

  • If the portal won't let you pay or the extension button isn't there, message us with your booking reference.

  • If your circumstances have changed — you've lost work, had a bereavement, or you're not sure when you'll be able to resume — tell us what's happening rather than just requesting an extension. There may be more than one option depending on your situation.

Fixing an overdue payment

  • Log in and press retry payment with the card on file.

  • Or change the card on file to one with sufficient funds.

  • Complete the payment manually by the scheduled date to keep your booking secure.

Are there late fees?

No. PayLater Travel doesn't charge late fees, so you can focus on resolving your situation without added costs.

What we'll send you

  • A payment reminder before each instalment is processed. The subject line reads "Your subscription will be renewed" — "subscription" here means your payment plan with us, not a separate service.

  • A receipt after each successful instalment.

  • Your full payment history is visible any time in your account.

If payments are consistently missed

  • We'll contact you if instalments are repeatedly missed.

  • Consecutive missed payments may put your booking at risk of cancellation. We'll always try to reach you and work something out first.

  • Failed instalments prevent us from securing your booking with the airline, and fares can change.

  • If a booking is cancelled for non-payment, a lay-by termination fee applies (see our Terms).

Before departure

  • Your booking must be paid in full before departure.

  • Travel documents won't be issued while there's an outstanding balance.

  • You won't be able to check in without full payment.

Need help?

Circumstances vary and we know that. If you're struggling with payments, contact us — we can look at tailored solutions, and the sooner you get in touch the more of them are available.



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