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How to calculate GoPayLater late fee

The estimated late fees are a fixed Rp2.000/day which will start being charged on the 6th of the following month. However, the total sum of late fees and the GoPayLater fee will never exceed your total transaction amount.


For example:

Your transactions: Rp725.000

GoPayLater Fee: Rp25.000

Overdue days: 15 Days

Grace Period: 5 Days

Late Fees: 10 Days x Rp2.000 = Rp20.000

Your total outstanding dues: Rp770.000


Below is the example for when your total fees will not exceed your total transaction amount:

Customer A

Outstanding transactions: Rp30.000

GoPayLater Fee: Rp12.500

Overdue days: 17 Days

Grace Period: 5 Days

Late Fees: 12 Days x Rp2.000 = Rp24.000

Maximum total fees: Rp30.000 (since it should not exceed the total transaction)

Maximum late fees = Rp30.000 (maximum total fees) - Rp12.500 (GoPayLater fee) = Rp17.500

Once total late fees hit Rp17.500, they will no longer accumulate.


Customer B

Outstanding transactions: Rp23.000

GoPayLater Fee: Rp25.000 (already exceeds the total transaction)

Overdue days: 15 Days

Grace Period: 5 Days

Late Fees (Actual): 10 Days x Rp2.000 = Rp20.000

Maximum total fees: Rp23.000 (since it should not exceed the total transaction)

Late fees that customer has to pay: Rp0

No late fees will be charged because the GoPayLater fee already exceeds the outstanding transactions.

We hope this information helps you.

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