We apologize for the inconvenience you experienced while using GoPay Later by PT Multifinance Anak Bangsa (PT MAB). 

Here are a few things that cause you are unable to transact using GoPay Later:

1. GoPay Later cannot be used for transactions on certain products and specific business partners.

Here are some products and business partners that cannot use GoPay Later as a payment method:

• Gold
• Mobile phone credit (Pulsa)
• Electronic money top-ups
• Business partners involved in donating or receiving donations
• Business partners for insurance payments, mutual funds, or investment purchases
• Business partners for loan payments
• Certain business partners for in-app purchases in online games

Based on the regulations of the Otoritas Jasa Keuangan (OJK), GoPay Later by PT MAB cannot be used as a payment method for products that are mentioned above, ineligible for financing and other specific products that are not mentioned above, you applied for financing. For now, please continue these transactions using alternative payment methods.

2. Late or unpaid GoPay Later bills from the previous month

Please check if there are any outstanding GoPay Later bills that you haven't paid and ensure timely payment.

3. Late or unpaid bills with other financial institutions

Check and make sure you have settled all bills with financial institutions other than GoPay Later, as late payments to any financial institution can affect your Financial Services Information System (SLIK) data.

4. Your data did not successfully pass our validation and does not meet our internal criteria

Please check if there are any incorrect or unregistered data. For example, if you have changed your phone number but failed to validate it with the data previously registered with GoPay Later by PT MAB.

5. Transaction Security and risk protection

GoPay Later by PT MAB always tries to ensure your safety from any financial risk. If there is an activity that is considered suspicious by the Gopay Later security system, such as unusual transaction behavior or other potential security risks, then your Gopay Later limit can be temporarily blocked to prevent you from potential losses. 

Don't worry, GoPay Later is a trusted loan service product by PT Multifinance Anak Bangsa and is licensed and regulated by the Otoritas Jasa Keuangan (OJK).