How to Buy Now Pay Later for Travel?

Want to travel without paying upfront? Discover Trip.com’s Buy Now Pay Later options, including Atome, credit card installments, and free cancellation hotels.

The Two Ways to "Pay Later" on Trip.com

Trip.com splits its flexible payment features into two distinct methods depending on your needs:

• Deferred Payment (Pay Later / Pay at Property): Best for accommodation. You reserve a room today with $0 upfront, keeping your cash free until you actually check in.
• Installment Payments (Pay Monthly): Best for big-ticket items like flights, flight+hotel packages, and high-end resorts. You break the total cost into fixed monthly slices (ranging from 3 to 24 months).

How to Book Hotels with Free Cancellation & Pay Later

Follow these steps to find Trip.com Afterpay

Many travelers search for "Trip.com Afterpay" looking for a way to defer hotel costs. On Trip.com, this is handled through their widely available Free Cancellation and Pay Later / Pay at Property inventory. It allows you to lock down a room price without risking a dime if your plans change.

1.Search for your destination

Open the Trip.com app or website, enter your destination, dates, and number of guests, then hit Search.

2.Apply the Free Cancellation filter

Locate the Filter button near the top of the search results. Scroll down to the Cancellation Policy section and tick the box for Free Cancellation. Click Show Results.

3.Select a clearly labeled room

Browse the filtered list and look for rooms clearly badged with a green Free Cancellation tag and text that says "No payment required until [Date]" or "Pay at Property".

4.Reserve with zero upfront cost

Click Reserve, fill out your guest details, and review the exact cancellation deadline. Click Book to secure your room without an immediate charge.

[10% OFF] Global Hotel Recommendations (Also with Flexible Booking)

How to Use Credit Card Installment Plans to Pay Later

Source: POSB Bank

If you prefer to use your existing credit cards, Trip.com integrates seamlessly with major local and international banks (such as OCBC and POSB Bank in Singapore, and various issuers globally) to offer structured monthly repayment plans.

The Installment Terms at a Glance

How to Apply a Credit Card Installment Plan

1. Select your flights, hotels, or packages and head to the checkout page.
2. Under the payment methods, choose Credit/Debit Card and look for the Installment Option (this will only display if your booking amount and card issuer are eligible).
3. Pick your preferred duration (e.g., 3 or 6 months). The system will transparently show you the exact monthly amount and total payable figure.
4. Complete the security verification. Your transaction history will reflect the approved installment structure within 24 hours.

How to Pay Monthly Using Atome (BNPL Partner)

Source: Atome.sg website

For regions like Singapore and select parts of Southeast Asia, Trip.com partners directly with Atome, a dedicated Buy Now, Pay Later platform.

Why Use Atome on Trip.com?

• 3 Easy Payments: Your total bill is split into three equal parts.
• 0% Interest: Atome charges zero interest and has no hidden service fees.
• Immediate Confirmation: Your flights or hotels are 100% locked in as soon as the first installment clears.

How to use it at checkout

When you reach the Secure Payment page on Trip.com, look for the Installment Plan or Pay by Installments tab. Select Atome as your payment method.

If you already have an Atome account, you will log in to authorize the payment. If you are new, you can register through the app link in minutes. You will pay 1/3 of the total bill immediately, and the remaining two thirds will be automatically deducted every 30 days.

Important Tips for a Smooth BNPL Experience

⚠️ Watch the Cutoff Dates: For Free Cancellation rooms, note the exact time and date of the deadline. If you fail to cancel before this window closes, Trip.com or the hotel will charge the full amount to the card on file.

💡 Confirm Before You Split: If you choose a credit card installment plan or an Atome payment, making changes or canceling your trip later can become complicated due to banking terms. Make sure your dates are solid before locking in an installment structure.