Frequently asked questions

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What are the perks of joining ablr as a Merchant?

With ablr, you can offer flexible payments to your customers from as short as 30 days or up to 60 months, allowing them access to big-ticket items you offer through hassle-free payments at point of purchase. You will receive full payment up-front in T+1 business day. Your customers can now enjoy your products/services with greater affordability and you will be able to drive higher-value purchases.

What are the fees that merchants have to pay to join ablr?

Setup and integration is free for merchants. However, all fees are tied to successful ablr transactions by your customers.

How does ablr work for my sales or checkout process?

There are various options for you to choose from depending on your business needs. You will be able to offer ablr as a payment option to your customers at point-of-sale either online or in-stores, starting with an option with zero integration or development efforts.

How do I sign up as a merchant with ablr?

Simply fill up our Merchant Form and someone from ablr will get in touch with you within the next two business days.


How does Ablr work for my customers?

Just pay with ablr upon checkout and customers will be directed to sign up for an ablr account (if they haven’t). Sign-up and approval of customer’s ablr account is instant once details are submitted correctly. They will then be able to checkout and see payment options you decide to make available. Customers will need to link their ablr account to either a debit or credit card to complete their purchase. It’s that easy!

Do customers need to pay a fee to use ablr?

Not at all. Your customers will never pay more than what was agreed upon upfront during checkout. There are no late fees or interest on late payments. If there are any additional fees to be charged for specific purchases, it will be communicated during the checkout process.

How long does it take for my customers to complete a transaction?

Almost instantly! In most cases checkout can be completed within 5 minutes, including verification and submitting card details for payment.

What happens to customers who gets rejected, or face a failed transaction?

As much as we believe in building sustainable credit with our customers, there will be times when the full amount on installment plans cannot be granted. In these cases, we suggest an adjusted amount on the down payment to make the purchase possible. However, there can be exceptional cases where we will not be able to approve a request. This can happen when the data suggests that the customer would have difficulties financing any installment plans.


What are the rates for using ablr?

Our rates can vary based on the payment plan options you plan to offer as well as other commercial considerations such as your business risk profile and transaction volume, but we assure you they are market competitive rates. Rest assured our Partnerships Team will provide you with the best possible rates once you’ve completed the merchant KYB process.

What is your minimum order amount?

There is a minimum order amount of RM180 in Malaysia to be able to transact with ablr. If you’re looking to perform transactions in other countries, get in touch with our team at

How do refunds work?

In the event your customer would like to cancel their purchase and request a refund, we will process the refund through their original payment method within two (2) business days, and the customer will typically receive the refund within one (1) to three (3) business days after that. However, depending on the issuing bank or financial institution, it may take up to ten (10) working days to receive the refund. Any fees charged during the transaction will not be refunded.

What kind of support can I expect as a merchant?

As an ablr merchant, you will have access to our Support Team from 9am to 6pm (GMT +8 hours) on business days and we will respond within one (1) to two (2) working days. Our team is more than happy to support your needs in helping your customers get the things they need using ablr. These include reviewing your marketing materials, changing your payment plans, adding new types of transactions and customer support issues and much more. We are here to help you grow your business.

Hello, smooth shopping.
Bye, fees.