ShopeePay - Bayar & Transfer is a digital wallet app in the Finance category, listed under the developer PT. AIRPAY INTERNATIONAL INDONESIA. Its core purpose, as described in the listing, is moving money from a wallet balance through bank transfers and paying with QRIS codes. This profile focuses on those two functions and the related credit and promo features the listing mentions.

Sending money to bank accounts

The main function in the listing is transferring money. According to the description, a user opens the app, selects the "Transfer" option, enters the recipient's bank account details, and confirms the transfer. The listing says transfers to any bank are free and that the money arrives straight away, including at midnight or on holidays. It also describes these transfers as unlimited. That wording comes from the listing itself and is not an independently verified limit.

Paying with QRIS at merchants

The second documented function is paying through QRIS. The listing states that users can scan QRIS codes at offline and online merchants from within the app. It also mentions special promos and discounts at selected merchants. Because these payment features sit in the same wallet as transfers, the listing presents them as one set of everyday money tools rather than as separate products.

Topping up the balance

The listing says users can top up their ShopeePay balance whenever they need to. It does not describe the available top-up methods, fees, or limits, so those details are not covered here.

Related credit features: SPayLater and SPinjam

SPayLater is described as a buy now, pay later feature that offers payment tenor options from 3 to 24 months. The listing gives a maximum Annual Percentage Rate of 36%. An installment fee figure is also given, but it is unclear and not reported here. The listing additionally mentions SPinjam, a cash loan service that it describes as secure and licensed, with flexible installment options and low interest rates. These are the developer's own descriptions and have not been independently checked.

Promos and cashback

The listing describes exclusive offers, discount vouchers, and cashback for ShopeePay users. It says promos are available from a range of merchants, covering both daily necessities and digital products. The listing does not give details about specific offers, so the available deals will depend on what the app shows at the time of use.