Bili Now, Bayad Later! Experience Southeast Asia's leading Buy Now Pay Later app now available in the Philippines! Shop the things you want, pay bills, and enjoy more ways to pay! With your Kredivo Virtual Card, you can shop online at e-commerce merchants that accept Mastercard. You can also use QRPh to pay at participating merchants nationwide. Whether you're shopping online, paying at your favorite stores, or settling your monthly bills, Kredivo gives you flexible ways to manage your purchases. SHOP MORE. PAY YOUR WAY. Kredivo Card Shop online with your Kredivo Card at any e-commerce merchant that accepts Mastercard. Enjoy a convenient way to pay for your purchases using your available credit limit, at 0% interest or through an installment plan. Pay with QRPh Scan and pay at 675,000+ QRPh-enabled merchants nationwide. Depending on your eligibility and transaction, choose from available payment options, including installment plans and 0% interest. Pay Later Get what ...