Buy Now, Pay Later: How to Use TendoPay for Online Purchases

Published: October 14, 2020 | Updated: September 3, 2021 | Posted by: Venus Zoleta | Personal Loan

TendoPay Guide for Online Shoppers | Moneymax

Have you ever badly needed to buy something but you’re short on cash?

Your laptop might be broken beyond repair, and you have to immediately buy a new unit for work or your child’s online classes. You might need money to buy groceries, but payday seems like light-years away. Or you want to cheer up your mom on her birthday by getting her something special.

When caught in such a difficult situation, what would you do? If you need to make an all-important purchase but you’re out of budget, consider taking an installment loan like that of TendoPay. An alternative to bank loans, TendoPay offers affordable and convenient financing for cash-strapped Filipinos, especially during the COVID-19 crisis.

Learn more about this installment loan and how to use it through this guide.

What is TendoPay and How Does It Work?

Buy Now, Pay Later in the Philippines - TendoPay

TendoPay[1] is an emerging fintech brand that provides digital installment payment plans in the Philippines. It works like credit card installment plans but without using a card. Through TendoPay, Filipino consumers without bank accounts or credit cards can shop online. Instead of making a larger upfront payment, customers can pay in more affordable monthly installments.

TendoPay Installment Loan Features

  • Loan amount: PHP 5,000 to PHP 100,000
  • Loan term: 15 days to 24 months
  • Interest rate: 0.5% to 5% per month
  • Late payment fee: None

How to Apply for a TendoPay Loan

Before you can start using TendoPay to pay for your online purchases, you need to get approved for an account first. Here are steps to take:

Review the TendoPay Requirements

  • Filipino citizens who are 18 years old and above, with a valid email address, and a valid mobile number
  • Any of the following valid IDs: SSS/UMID card, Driver’s License, Passport, or PRC ID
  • Latest proof of address (not older than three months): Electricity, water, mobile phone, landline, cable, or internet bill
  • Latest proof of income (not older than two months):
    • For employed: Payslip or certificate of employment
    • For self-employed: Bank statement

How to Register in TendoPay

tendopay philippines - tendopay registration
  1. Create an account at You can sign up using either your email address or Facebook account.
  2. Upload a clear photo of your valid ID.
  3. Upload a clear photo of your proof of address. The address printed on the document must be the same as the delivery address you’re using for online purchases.
  4. Take a selfie holding the ID you submitted and then upload it.
  5. Upload a clear photo of your proof of income.
  6. Answer a series of security questions.
  7. Wait for an email message from TendoPay about your application status within one working day. If your application is approved, you can start paying for your online purchases.

How to Use TendoPay for Online Payments

Depending on the merchant where you’re making the purchase from, you can pay for it either by purchasing vouchers that can be redeemed for wallet credit or choosing TendoPay as a payment option at the checkout.

TendoPay merchants that accept vouchers as payment include Lazada, 7-Eleven, and ZALORA. With other merchants, you can pay upon checkout on their respective e-commerce website.

How to Get Installment on Lazada Through TendoPay Voucher

tendopay philippines - installment on lazada
  1. Set up a Lazada account and activate your Lazada Wallet. The phone number or email address you’ll use on your Lazada account should be the same as that of your TendoPay account.
  2. Go to the Lazada merchant page on the TendoPay website.
  3. In the dropdown menu, choose a voucher amount. The value must be equal or less than your purchase amount on Lazada. Otherwise, you won’t get change.
  4. Click the Purchase button. This will take you to the checkout page that shows your voucher order details.
  5. Click the Place Order button. Funds will be credited to your Lazada wallet within 24 hours. Use your digital wallet to pay for your order on Lazada.

How to Use TendoPay for 7-Eleven Purchases

tendopay philippines - 7-11 purchases
  1. Download the 7-Eleven CLiQQ app, register for an account, and activate your CLiQQ PAY Wallet.
  2. Go to the 7-Eleven merchant page on the TendoPay website.
  3. Select a voucher amount in the dropdown. The amount must be less than the price of the item you’ll buy at 7-Eleven.
  4. Click the Purchase button. This will take you to the checkout page that shows your voucher order details.
  5. Click the Place Order button.
  6. Open the CLiQQ app on your smartphone.
  7. Tap on “Open CLiQQ Wallet” > “Load Wallet” > “Redeem Code.”
  8. Enter your redemption code and tap the Confirm icon. You can now use your CLiQQ Wallet to pay for your in-store purchase at a 7-Eleven store.

How to Pay for ZALORA Purchases Using TendoPay Voucher

tendopay philippines - zalora
  1. On the ZALORA website, find out the total cost of the item you’ll buy, including the shipping fee.
  2. Go to the ZALORA merchant page on the TendoPay website.
  3. Select a voucher amount in the dropdown. The amount must be equal or less than your ZALORA purchase value.
  4. Click the Purchase button. This will take you to the checkout page that shows your voucher order details.
  5. Click the Place Order button. You’ll receive a ZALORA e-gift card on your email.
  6. Complete your transaction on ZALORA. Under “Payment Method,” select “Add Gift Card.”
  7. Enter the gift card code you received via email.
  8. Click the Apply button.

How to Use TendoPay as a Checkout Option

  1. Visit the online store of a TendoPay merchant.
  2. Select the item/s you want to buy and add to cart.
  3. Upon checkout, select TendoPay as your payment method.
  4. Complete your online transaction.
  5. You’ll be directed to the login page where you’ll enter your email address and password to sign in to your account.
  6. Choose the number of months by which you prefer to complete your repayments.
  7. Read and agree with the Terms and Conditions.
  8. Click the Confirm Purchase button. You’ll receive a confirmation about your successful payment processing.

Read more: 20 Online Shopping Sites for Every Type of Need

How Do I Pay My TendoPay Loan?

tendopay philippines - tendopay payment

You have plenty of options when it comes to payment of TendoPay installments:

  • Mobile payment apps: GCash and PayMaya
  • Bank deposit/transfer: BDO and UnionBank
  • Bills payment centers: 7-Eleven, Bayad Center, Cebuana Lhuillier, LBC, M Lhuillier, Robinsons Department Store, and SM Department Store/Supermarket/Hypermarket/Savemore

Payment via GCash or PayMaya

1. Log in to your e-wallet account. If paying through GCash, select “Send Money” > “Send to Bank” > “BDO”. If paying through PayMaya, select “Bank Transfer” > “BDO Unibank, Inc.”

2. Enter these payment details:

  • Account Name: TendoPay Inc.
  • Account Number: 007420044365
  • Purpose: Your TendoPay account number (for PayMaya users only)

3. Complete your transaction and take a screenshot of your payment confirmation.

4. Email your proof of payment, along with your account number, to

Payment via BDO or UnionBank

Make a deposit at the nearest BDO or UnionBank branch or a fund transfer using the online banking platform of your bank.

Provide the following details when making a bank transfer or deposit:

Account name: TENDOPAY INC.
Account number: 007420044365

Account number: 102340011503

Lastly, email a photo of the deposit slip or screenshot of the fund transfer to

Payment via a Bills Payment Center

This procedure applies to all bills payment partners, except for 7-Eleven that has a different payment procedure.

  1. Tell the staff that you’ll be making a bills payment so that you’ll be given the correct form to fill out.
  2. Accomplish the provided form. Make sure to indicate “Dragonpay” as the biller or receiver on the form.
  3. Give the accomplished form and cash payment to the cashier.

Payment via 7-Eleven

  1. Go to the CLiQQ touchscreen kiosk.
  2. Select “Bills Payment” > “More Bills” > “Loans” > “DRAGONLOANS.”
  3. Enter the required details.
  4. Get the machine-generated receipt.
  5. Approach the cashier at the counter and pay for your installment.

FAQs on TendoPay Installments

tendopay philippines - faqs

1. Is TendoPay legit and safe?

Templetech Finance Corp., which owns the TendoPay brand, is licensed as a financing company by the Securities and Exchange Commission (SEC). This means the company is legitimate and compliant with government regulations in the Philippines, so it’s authorized to provide installment loans to eligible Filipinos.

Several safeguards are in place to protect customer data. According to TendoPay, it encrypts all sensitive personal information and does not sell, rent, or share it with third parties. It also uses data security technologies as banks do.

2. What are the available TendoPay merchants?

You may use TendoPay when buying at any 7-Eleven store, Lazada, and Zalora. It’s also accepted as a payment method on e-commerce stores built on the Shopify platform.

You can check if your favorite online store allows TendoPay installments. See the full list of merchants at

3. Can I use TendoPay to pay for Shopee installment?

No. As of this writing, Shopee does not offer an option to pay in installments using TendoPay yet.

4. What will happen if I miss my installment payment?

If you miss one monthly payment, your account will be blocked, which means you won’t be able to use it for online shopping. Until you settle your outstanding balance, your account will remain blocked, and you’ll receive payment reminders.

Also, a 0.5% late payment fee will be charged for each day that your outstanding balance is unpaid.

Read more: 

Final Thoughts

TendoPay makes a great choice for those who are trying to manage their finances by making installment payments on their purchase—as long as it’s both important and urgent. Before signing up with such an installment loan, make sure that you can pay back what you owe within your chosen repayment term.

Manage your debt efficiently with a personal loan

Source: [1] TendoPay Official Website