Recently, many people are using Toss. Toss offers many services, and one of the most popular services is the toss postpaid payment service.
The Toss deferred payment service is a service that provides deferred payment of small expenses to unemployed students, housewives, etc. who have difficulty issuing credit cards.
When using this service, the Toss company first pays to the affiliated store on behalf of the consumer, and the consumer later pays the payment to Toss. In other words, it is easy to think of it as the same as a credit card payment method.
If you don’t have money in your account right now, but have the ability to repay the cost next month, you can use the service to purchase the item and pay the cost the next month.
Please learn more about how to use the Toss postpaid payment service below.
📌 Non-face-to-face│No visit│Unemployed│Delinquent│BEST 3 loan product recommendations
Non-face-to-face│No visit│Unemployed│Delinquent│BEST 3 loan product recommendations
It may actually be difficult for the unemployed and those with delinquent debt to receive additional loans. Therefore, in this article, we recommend that you check out three companies that provide loans non-face-to-face and without a visit, regardless of whether you are unemployed or have delinquent payments.
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How to use toss postpaid payment service
Toss postpaid payment service
Toss Postpaid Payment Service is a BNPL service (Buy Now Pay Later), which refers to a service where you purchase first and pay later. The usage limit is calculated based on personal credit or transaction performance, and can be used at a contracted company.
This service has a lower limit than a credit card, but the fees are low and you can use it even without a specific financial history, so it is an efficient service for unemployed people with insufficient financial history.
However, please use this service with caution as the interest charged and credit score drop in case of late payment are high.
📌 See more related information
Subscription target
Toss members aged 19 or older and holding Korean nationality
Any Toss member over the age of 19 with Korean nationality can apply. Since it does not require a separate credit screening, it has the advantage of being available to people who are financially underprivileged and have difficulty issuing credit cards.
📌 TOP3 loan information without credit check│No documents│No visit│Same-day loan
TOP3 loan information without credit check│No documents│No visit│Same-day loan
I think there are people who are looking for a loan product without a credit check because their credit rating is not good or they do not want to have it on their record regardless of their credit rating. Therefore, in this article, we list 3 loan companies without credit checks.
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payment limit
Can be used up to 300,000 won
Toss postpaid payment limit is up to 300,000 won. According to the Toss guidelines, it can be applied differentially depending on usage history and internal policies.
The limit may be increased based on various criteria, such as consistent use of deferred payment. Therefore, if you use it frequently and repay it without late payments, the maximum limit will increase.
It may feel like the payment limit is small, but I think it is an amount that is desperately appreciated when you really need that amount. Therefore, you may think it is an amount you do not need right now, but please be aware of this service and use it appropriately when you need it.
Merchant used
As mentioned above, this service is only available at Toss affiliated stores. There are a total of 76 affiliated stores, and the representative affiliated stores are as follows.
📌 Toss postpaid payment affiliated store
Musinsa, ABLY, Yeogi Howao, Yanolja, Cream, Timon, Today’s House, Ali Express, WeMakePrice, Hiber, Lookpin, Brandy, Must It, Ideas, W Concept, Aladdin, Yogiyo, Jeju Air, Jin Air , Honey Stay, Lotte Duty Free, Kyobo Bookstore, E-Land Mall, Ranking.com, 10 by 10, Infron, T’way Air, Korean Air, Hwahwa, etc.
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How to use Toss postpaid payment
To use the Toss postpaid payment service, you must install the Toss app. Please download and install the Toss app according to your mobile phone through the link below.
🔗Android Download
🔗 Download for iOS
Sign up for postpaid payment
Connect after installing the Toss app
Click [All] in the bottom menu
Click [Payment – Postpaid Payment]
Click [Agree and confirm limits]
After setting the payment account and payment date, click [Confirm]
📌 TOP 3 loan information that can be approved immediately on the same day, even for delinquent borrowers
TOP 3 loan information that can be approved immediately on the same day, even for delinquent borrowers
Due to unavoidable circumstances, when a variety of delinquencies occur, such as delinquency on an existing loan, delinquency with the telecommunication company used, or delinquency with a credit card, not only is the personal credit rating affected, but it is also difficult to get loan approval.
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How to use deferred payment
After signing up for the postpaid payment service through the above process, select ‘Tos Pay’ as the payment method at 76 affiliated stores and proceed with payment. You can proceed with payment by selecting the ratio (edit amount) of deferred payment and formal payment.
Toss Postpaid Payment Advantages/Disadvantages
The advantages and disadvantages of using Toss postpaid payment are as follows.
Unlike credit cards, there is no annual fee required.
There are no interest or usage fees.
It does not affect your credit score.
Cash receipts are automatically issued.
Late payments have a significant impact on lowering your credit score.
Compared to credit cards, the limit is small.
Available only at select affiliated stores.