• Boost PayFlex (formerly known as Boost PayLater) is a digital payment solution provided by Boost Credit (formerly known as Aspirasi) in collaboration with participating partners and/or merchants that enable you to purchase Shariah compliant goods and/or services offered by merchants and to obtain an Islamic financing facility that enable you to finance your purchases and this is made via the Boost PayFlex facility available on Axiata Digital eCode Sdn Bhd’s (Company No: 201701000820 (1214970-T) (“Boost Life”) (“Merchant”) e-Wallet platform for the purchase via instalment(s) (only applicable for the services listed in Table 1).
• Please refer to the relevant Terms and Conditions for more information on the Boost PayFlex offerings.
   

• Pay in 30 Days Plan
  i.    Malaysian / Foreigner legally residing in Malaysia

  ii. Aged 21 – 60

  iii. Premium Boost App users (with good credit history) who may require monetary assistance to pay for services as listed in Table 1

• You are pre-scored based on Boost Credit’s eligibility requirements which may include but not limited to your spending trends on Boost App (e.g. amount spend, frequency of transactions), top up method, etc. and will be notified when eligible from time to time.
• Your Boost PayFlex available limit may vary from other customers and is assigned based on your profile and information available and provided to Boost Credit.

• While there are some basic requirements to be eligible for Boost PayFlex, customers are still pre-scored based on a list of other internal conditions which may change from time to time.
• The list of eligible customers may be refreshed on a regular basis. Hang in there! We’ll notify you when you’re eligible.

• Boost PayFlex is based on the concept of Commodity Murabahah and is certified Shariah Compliant as approved by our Shariah advisors.
   

• If you are eligible for Boost PayFlex, you will be assigned with a credit limit which may vary for different customers. Please refer to the subsequent question on how the credit limit works.
• You will be able to draw down your PayFlex limit to make your payments/transactions at our accepted PayFlex touchpoints.
  • PayFlex may be done using Pay in 30 days which allows you to transact today, and make repayment in 30 days; or Instalment which allows you to transact today and split your payments into multiple instalments
  • The offerings and options may vary for different touchpoints/merchants/partners subject to our negotiation.
• Thereafter, you can monitor your payments, repayment details, and all details pertaining your PayFlex transaction(s) in the Boost PayFlex dashboard in your Boost App.
• You will make repayment according to the due dates of your PayFlex transactions.
• Please refer to the relevant Terms and Conditions for more information on the Boost PayFlex offerings.

• Your PayFlex limit is the maximum amount that you are allowed to spend using PayFlex at a point in time at our accepted PayFlex touchpoints.
• The PayFlex limit is split into 2 portions: Pay in 30 days limit and Instalment limits. 
  •    Pay in 30 days limit is the total portion that can be utilized only using Pay in 30 days method
  •    Instalment limit is the portion that can be utilized using Instalment method
  •    Note: Pay in 30 days and/or Instalment option may be offered for different touchpoints and use cases subject to our offering.
• Credit limit assigned to customers may vary for different individuals.

• The limits are assigned based on your profile and information that we know of you and cannot be manually adjusted by request. However, the limits is subject to change from limit to time.
• You may however make repayment for your existing PayFlex contracts within the Boost App. After repaying a contract, the said limit amount will be replenished and you’ll be able to transact again.

• Boost PayFlex can be used for Scan and Pay, Bill Payments, Prepaid Telco Top up, and Telco Postpaid payments within the Boost App.
  • Refer to Table 1 in FAQ below for list of Billers and Telco Providers within Boost App that accepts PayFlex.
  • For Scan and Pay, you can now use Boost PayFlex to scan any DuitNow QR merchants or Boost QR merchants nationwide and extend your payments for 30 days!
  (Note: This is only applicable for customer journey when you scan a merchant’s QR)
• Hang in there, we will be expanding our feature offerings to more touchpoints real soon!

• You can make repayment anytime via the Boost app on the PayFlex dashboard. The repayment will be deducted from your Boost e-Wallet.
• Alternatively, we will automatically collect the repayment due on your due date via the bank account linked during your Boost PayFlex setup. 
• You should always have a sufficient sum of balance in your account for the direct debit mandate for the payment.
• Repayment deductions will be made during working days, this excludes weekends and public holidays. You will not be charged late payment fees should your repayment date fall on any of these exclusion days.

Step 1: Go to Boost PayFlex Dashboard and select to either Pay Now for a specific PayFlex contracts, or Pay All Now to settle all outstanding contracts.

Step 2: Authenticate payment using Boost Wallet.

Step 3: Tada! the select PayFlex contracts have been repaid.

• The auto-debit is performed based on the bank account and account number selected by you during your Boost PayFlex setup.
• If you’re unable to remember or would like to verify that bank account details linked,  lease email us at creditinfo@myboost.co to obtain the above information.

• The duration taken by each bank to process the auto debit may vary. Please note also that auto-deductions are made during working days, which excludes weekends and public holidays.
• It may take a few days from your due date to process the auto-debit from your linked bank account. Don't worry, you won't be charged with any fees within the 5 days after your due date. 
• If your auto-debit isn't reflected after 5 days, please contact creditinfo@myboost.co. or you can pay via the Boost PayFlex Dashboard in the Boost app. Repayments will be done using your Boost Wallet.

• You are required to make the relevant payments in accordance with the relevant Boost PayFlex offering.
• You can make payment via the Pay Now or Pay All Now features through the dashboard whereby payment will be deducted from your Boost e-Wallet or the payment will be deducted via direct debit during the payment due date.
• You should always have a sufficient sum of balance in your account for the direct debit mandate for the payment.
• Kindly note, during the deduction via direct debit, the Pay Now or Pay All Now features will be disabled to avoid double payments.
• Do contact Boost Credit if you foresee difficulties in making repayments, please email Boost Credit at creditinfo@myboost.co before the repayment due date(s) so that Boost Credit can provide the assistance you may require. Until a solution is achieved and agreed in writing by the parties, your obligation to make prompt payments on the due date(s) continues, failing which, you will incur such late payment charges accordingly.

• Where applicable, a Sales and Services Tax (SST), stamping fee, Wakalah Fee, and/or Profit Rate may be applicable.

   

• Depending at which phase you are in your payment, relevant late payment charges will be charged on such outstanding amount.
• If you are unable to meet your repayment obligations on the due date(s), you will incur the applicable late payment charges imposed accordingly on your outstanding amount. Boost Credit will commence legal action against you for the recovery of all payments due as well as the enforcement of all rights afforded to Boost Credit under the relevant Terms and Conditions and the relevant laws without further notice to you, where you shall be further liable for the costs occasioned thereof. Kindly also note that it is within our rights under the relevant Terms and Conditions to disclose all information set out to credit information organisations or other authority or body established by Bank Negara Malaysia, credit reporting agencies and any other authority having jurisdiction over Boost Credit, and it may limit your ability to obtain any loan or financing facility in the future from a commercial bank or a financial institution in Malaysia.

• You can settle your outstanding amount by clicking on the Pay Now feature on Boost PayFlex Dashboard in the Boost app.

o    No guarantor or collateral is required.

• Please email us at creditinfo@myboost.co for more information 

• You can use Boost PayFlex to pay your bills and telco with the following merchants on the Boost App.