Naver Postpaid Payment is literally a service that allows you to make purchases first and pay later when shopping on Naver. You can think of it as almost the same as the credit card that many office workers use.
※ You can register up to 3 Naver IDs per person.
※ The usage limit is determined by Naver’s internal standards, and can increase up to 300,000 won if you consistently use the postpaid payment service.
When registering to use Naver’s postpaid payment service, you select the payment date for the postpaid payment amount. The usage period calculated for each payment date is slightly different. Just like a credit card.
If you select the payment date as the 5th of each month, you must pay the total amount used from the 21st of the previous month to the 20th of the previous month. If you select the payment date as the 15th of each month, you must pay the total amount used from the 1st of the previous month to the last day of the previous month. And finally, if you choose the 25th of each month as the payment date, you must pay the total amount used from the 11th of the previous month to the 10th of the current month.
※ The payment date for postpaid payment is selected only once when signing up, and the payment date cannot be changed after signing up.
Also, there is one condition for using Naver’s postpaid payment service. This means that when using the postpaid payment service, you must use all of your Naver Pay points without leaving even a penny behind. (According to Financial Services Commission policy..)
Please note that postpaid payment services are available not only at Naver but also at Coupang and Toss. The maximum amount available is 300,000 won, the same as Naver.
How to use Naver’s postpaid payment service
※ This article was written based on mobile.
※ Using Naver’s postpaid payment service does not affect your credit score.
Naver Pay postpaid payment service has no commission or annual fee, and you can use the postpaid payment service even if your credit score is low. And since cash receipts can be issued, it is also possible to receive income deductions at the end of the year.
Signing up for the Naver Pay postpaid payment service is really simple. First, click ‘Check postpaid payment’ or ‘Sign up’ right above the payment method in the Naver Shopping purchase and payment window.
Apply in just 30 seconds as shown below and press the Use Now button.
After agreeing to the postpay service terms and conditions, click the next button below.
Select a ‘payment date’ to collect the deferred payment amount and pay it all at once. Then, select the ‘postpaid payment account’.
Once you have selected the monthly payment date and payment account, click Next as shown below. Then, enter the 6-digit password you enter when making a Naver Pay payment.
※ The payment date selected here cannot be changed after signing up. (Payment account change is possible)
Then, you can check the limit granted to you when you complete your subscription to the service. The maximum limit for using the Naver Pay postpaid payment service is 300,000 won, but in my case, I was given 200,000 won. Now that you have completed signing up for the service, shall we try the Naver Pay postpaid payment service?
※ A late payment fee will be charged in case of late payment service, and the fee rate is 12% per year.
After completing the subscription to the postpaid payment service, if you go to the Naver Pay purchase and payment window, you can see that the postpaid payment service is freely available and activated. As mentioned above, to use Naver’s postpaid payment service, you must use all of your points.
For reference, this is the pop-up window you see when you move to the Naver Pay purchase and payment window after completing your subscription to the postpaid payment service.
After checking the use of the deferred payment service, you can check the point usage and deferred payment usage in the payment details section below.
Immediate payment method for deferred payment usage
If you wish, you can pay the Naver Pay deferred payment amount in advance before the next month’s payment date.
※ The path to the immediate payment menu for deferred payment usage is “Naver Home > All Menus (top left) > Naver Pay > My Assets > Postpaid Payment (Scheduled Payment)” on mobile.
If you complete payment immediately for the deferred payment amount, the amount paid will be increased back to the amount available for deferred payment.