Paylaterr (paylaterr.com) has a 1.8 out of 5 rating on OK.one, based on 64 user reviews collected here. It is listed under Utilities and its reputation is poor. 70% of reviews are 1 star, a relatively high share; The business has replied to 100% of negative reviews. Last updated 2026-08-10.
What people say
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Channelle Davis · 2 reviews · Experienced 2026-07-31 ·
★★★★★
I am filing a complaint against…
I am filing a complaint against PayLaterr regarding what I believe are deceptive and unfair business practices. PayLaterr advertises a service in which they pay a customer's bill upfront and allow the customer to repay the amount through three installment payments. As part of the program, consumers are required to enroll in a subscription service and make an initial payment before the company processes the bill payment. On July 18, 2026, I enrolled in the program and paid both my first installment payment and the required subscription fee. PayLaterr represented that my utility bill would be paid within seven business days. By July 28, 2026, no payment had been made to the utility provider, BGE. I contacted customer support and was informed by email that the payment would not be processed until August 3, 2026, well beyond the timeline advertised and agreed upon when I enrolled. Because PayLaterr failed to make the payment within the promised timeframe, I instructed the company not to process the payment. As a direct result of their delay, I incurred an additional late fee from my utility provider. The company has also advised me that it will retain the funds already withdrawn from my account and that I have to wait 30 days before receiving a refund. I contacted my bank and disputed all 3 charges made to date, and I put a stop payment on all future charges to my account from this company.
Reply from Paylaterr2026-08-04
Customers bill was canceled per their request. Refund will be processed through their financial institution.
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Rt · 4 reviews · Experienced 2026-08-02 ·
★★★★★
If I could give this app 0 stars I…
*update- I recieved Paylaterr response and now I can assume this application is a scam since they mention they can not verify my account yet I have a payment deducted from my back account that says otherwise and multiple emails from a “Mariam” something to that effect who tends to respond to some of the many emails I’ve sent reassuring her assistance yet when I sign in with my email my account still shows a payment will be deducted even when she has mentioned she personally has cancelled further payments and does not provide elaborate information for a refund .. when calling the ph# on website it goes straight to a Vmail that you can’t even understand the name it even gives .. Be Aware when using this application as I’m starting to think I was scammed.
If I could give this app 0 stars I would …. I have been given the run around multiple times .. sent multiple emails that take days if anything to be answered .. phone call customer service is ridiculous.. impossible to get ahold of anyone just rings & voicemail that sounds suspicious.. was given multiple dates of my payment to post and wasn’t.. was told needed updates check stubs that I provided in which as well I did and no change then I paid the 9.99 fee .. 3 days ago still states funds unfilled .. had been given date of 8/3 for payment to now post which hasn’t .. I sent another email asking for a refund instead which supposedly they cancelled my transaction however app reflects otherwise showing another payment is set to be deducted this Friday .. I strongly feel this app is a scam .. 💯 do not recommend .. it’s ridiculous
Reply from Paylaterr2026-08-04
Unfortunately, we are unable to verify the identity of the individual who submitted this complaint. We do not have any customer records matching the name provided, and therefore we cannot confirm whether this individual has ever used our services.
Without sufficient identifying information, we are unable to investigate the matter further or verify the accuracy of the claims being made. We would be happy to review the concern if additional information is provided that allows us to locate the associated account.
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Chay Boyer · 1 review · Experienced 2026-07-15 ·
★★★★★
Do Not Use - False Advertising
After reading several reviews, I am in a similar situation. Added my car payment and electric bill and paid the ultimate subscription of 100 plus my initial payment on July 14th 2026. Waited the 7 business days and still was not paid. Contacted customer service via email because the phone number on site just leads to an unmanaged voicemail box, got a response back from Kai that my bill were scheduled for the 28th and never processed. Emailed them again and got some excuse of temporary system issue that affected processing times of some payments and happy to let me know your payment will be processed on July 31st. Here it is on the 8/1 and my bills still say scheduled on the dashboard and 2 bills have not be paid yet. Now my car payment is late and on the verge of having my electric turned off. If this is not resolved by Monday, I have stated that will file a complaint with my States AG office and filing a dispute with my bank to recoup the 2 payments that I have made to them here.
Reply from Paylaterr2026-08-03
Please note that we have confirmed with the customer that their funds will be available tomorrow to process their bill payments.
I like the variety of bills we can pay with them. Also I like the new products that they are offering.
Reply from Paylaterr2026-08-03
Thank you for the kind words Joy and for being a wonderful customer for over a year! :)
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Lynee Wilson · 1 review · Experienced 2026-06-27 ·
★★★★★
This company is definitely a SCAM.
This company is definitely a SCAM.. DO NOT USE … I paid my carnote through this company. They charged me around $430 for my first payment. My bill was never paid. They do not answer the phone and whoever answers the emails lied and said there was some type of delay and it would be paid the next day but again it was not paid. I then reached out via email demanding a refund or bill to be paid .. They still haven’t paid my bill or given my money back and tried to charge the 2nd payment from my account even after they didn’t pay my car note at all.. This company is a scam ran by thieves. it’s been over a month and still no refund and no payment I do not recommend at all. Fast forward they refunded me but kept 100 so they charged me for a service they never provided I will be filing a dispute with bank
Reply from Paylaterr2026-08-03
We will like to apologize for the delay in processing your bill payment. Please note that you will receive your refund receipt by the end of day today.
I had an amazing experience with Paylaterr. They helped pay my bill on time and they have an easier process now with the virtual card that they provided.
Reply from Paylaterr2026-08-03
Thank you so much for your wonderful review Samantha! We truly appreciate you taking the time to share your experience with PayLaterr.
We're delighted to hear that you had a positive experience with our service. Our team is committed to making bill payments easier and less stressful, and it's always rewarding to know we've made a difference.
Thank you for choosing PayLaterr. We appreciate your support and look forward to serving you again in the future!
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Chichi C · 1 review · Experienced 2026-07-23 ·
★★★★★
I have reached out to this company…
I have reached out to this company regarding my power bill that I don’t need services to get cut off. I pay the initial subscription fee and the first installment that was on like July 9. It is July 31st I got one email stating that my bill will be paid July 24. That day has come and gone Steele no power bill has been paid. I really would like some help with this. I really would like my power bill paid so and if that can happen, I would very much so appreciate it. I’ve sent numerous of emails. I’ve also called and left a message. I really would like this to be resolved. I thought that this would be a good thing, but it doesn’t seem so good when I can’t even get my bill paid like the website said that I would after completing the necessary requirements to do so.
Reply from Paylaterr2026-08-03
Unfortunately, we are unable to verify the identity of the individual who submitted this complaint. We do not have any customer records matching the name provided, and therefore we cannot confirm whether this individual has ever used our services.
Without sufficient identifying information, we are unable to investigate the matter further or verify the accuracy of the claims being made. We would be happy to review the concern if additional information is provided that allows us to locate the associated account.
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Sulita · 1 review · Experienced 2026-07-30 ·
★★★★★
BEWARE! I signed up for the new PayLaterr Card…Marketed as faster, but told it takes the same amount of time.
I signed up for the new PayLaterr Card because it was advertised as "a faster way to pay your bills" and emphasized faster access and more control. Based on that messaging, I expected the process to be quicker than the standard bill payment process.
However, after applying, I was informed by customer service that funding the card could take up to 7 days, which is the same timeframe as the regular payment process. If that's the case, it's unclear what is actually "faster" about the new card.
The advertising creates the expectation of near-immediate access, but my experience has been different. I hope the company improves its communication so customers have realistic expectations before signing up. I'm currently still waiting for the card to become available and i'm unable to reach anyone as far as communication goes.
Reply from Paylaterr2026-08-03
Please note that we have informed the customer that our previous processing time for bill payments was 10 business days. We now process bills within 5 to 7 business days. There is no where stated that bills are now processed immediately.
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Dylan Betts · 1 review · Experienced 2026-07-29 ·
★★★★★
Dylan Betts
They need to work on customer service, they showed they have a new virtual card, but its locked until they load it with funds. And they wont answer the phone, or emails.
Reply from Paylaterr2026-08-03
Please note that the customer signed up and requested to cancel their bill payment before the agreed on processing timeline.
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Hanel Duran · 2 reviews · Experienced 2026-07-27 ·
★★★★★
I tried this service for the first time…
I tried this service for the first time and it may be my last unfortunately. I utilized this service to ultimately have 2 bills paid on July 29th and July 31st. Customer service keeps telling me that my bills will be paid today, July 30th, but I have yet to see one response from customer service confirming when that will occur. Mind you, the first installments for both bills were paid on July 15th, 2026, which HIGHLY surpasses the 7-10 business day processing time. On top of that, no one picks up the phone when attempting to actually speak to a live agent, and now I’m stuck. PayLaterr, address this as soon as possible and fix the issues that can and SHOULD be easy to resolve company wide!
Update: I have requested my funds back via dispute with my banking institution, and have officially requested a refund from Paylaterr via email with no response from any customer service representative. This has been the worst experience I have dealt with.
Reply from Paylaterr2026-08-03
Please note that a bank dispute or chargeback has been initiated by the customer towards one of their transactions on file, which is why we have not initiated a refund on our behalf. Once a dispute or chargeback is filed towards any transaction that is linked to the bill in question we are not able to issue a refund as there might be a double charge.
At this time, no additional action is required from PayLaterr. We recommend the consumer continue working directly with their financial institution for updates regarding the refund status. PayLaterr remains willing to cooperate with the BBB should further clarification be required.
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Wren Adam · 1 review · Experienced 2026-07-25 ·
★★★★★
No one there !!!
At this time they are getting a one star. I am waiting on my bill pay. Their website ensures that you can contact support etc. I have heard nothing from them email, phone , etc. I have no clue if my bills will be paid. Right now I am in limbo. I am hoping to hear form them so I don't have to escalate this further with bbb involvement and pursuing a way to ensure funds get back to me or to my payments as they insisted would occur. This place seems full of scammers. I hope they prove me otherwise but for now please stay away from them .
Update I reported them to bbb. Have reached out now via calls and emails at least ten times. No response. Their website for not allow you to live chat. Nothing works on the site. Still my bills are not paid and this is ridiculous.
Adamsons 2219 @ gmail.com is login used
Update. It's been day 7 and still nothing. What a joke. Hoping to hear from co asap , seeked legal advice.
Reply from Paylaterr2026-08-03
Unfortunately, we are unable to verify the identity of the individual who submitted this complaint. We do not have any customer records matching the name provided, and therefore we cannot confirm whether this individual has ever used our services.
Without sufficient identifying information, we are unable to investigate the matter further or verify the accuracy of the claims being made. We would be happy to review the concern if additional information is provided that allows us to locate the associated account.
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Jocelyn · 1 review · Experienced 2026-07-29 ·
★★★★★
Took awhile paying my car note and it…
Took awhile paying my car note and it was due today. If it is not settled by tomorrow I’m filing legal action towards the company based on occurring late fees
Reply from Paylaterr2026-08-03
Unfortunately, we are unable to verify the identity of the individual who submitted this complaint. We do not have any customer records matching the name provided, and therefore we cannot confirm whether this individual has ever used our services.
Without sufficient identifying information, we are unable to investigate the matter further or verify the accuracy of the claims being made. We would be happy to review the concern if additional information is provided that allows us to locate the associated account.
I was told to send in my paystub and my payment would be processed today - but it’s today - nothing. Then I was told July 31st on another email after receiving my paystub. I have been emailing since with no response.
Reply from Paylaterr2026-08-03
Please note that the customers bill was processed.
I’ve used your services to pay bills. I originally paid 2 bills on July 16, 2026. My bill with Ameren had to be paid by July 22,2026. I was panicking because I didn’t realize your company had a 7 business day clause. This became known to me after I realized neither bills had been paid. Subsequently, Rose a representative pushed that payment through but made it known that this was not a common practice. Here today I have a water bill due that was originally paid on July 16, 2026 that still have been paid. Based on your the website schedule this is not scheduled to be paid until July 30, 2026. I am unclear how your plan works I have used other bill payment methods and typically once the money is paid and cleared out of my account the bill is paid. I am debating whether I will continue to use your company for future services.
Reply from Paylaterr2026-08-03
We have reached out to the customer to inform them of the additional information that is needed for their payment to be processed tomorrow.
July 8 this company took 226 off my card. Today is July 29th and still no update. My bill was supposed to be refunded yet i received an email asking for a check stub last night. This company is truly a scam. They will never pay your bill or refund your money. The team clearly does not work together because they don’t have any knowledge of your case when you speak with them. Please be aware before you make the choice to use this company.
Reply from Paylaterr2026-08-03
Please note that we have reached out to the customer and confirmed that they will receive the refund transaction receipt by end of day today.
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Susie Hill · 2 reviews · Experienced 2026-07-29 ·
★★★★★
I have the paylaterr card and my fund…
I have the paylaterr card and my fund still havent load on my card yet. My car payment is due and it late
Reply from Paylaterr2026-08-03
Please note that we have reached out to the customer and confirmed that they will receive funds for their bill payment tomorrow.
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Elise Wells · 1 review · Experienced 2026-07-28 ·
★★★★★
processing issues
I made a payment to get my bill paid for my insurance on the 15th. i kept checking back to see if the payment posted to my billing account and it wasn’t. i called the number and couldn’t get anybody. emailed someone and finally got a response after 3 hours saying i needed to provide paystubs. i did provide them because i needed my payment processed. After submitting paystubs, they said my payment would be processed on the 24th. I emailed last night saying the payment still didn’t post and now they’re saying i need to purchase the paylaterr card, which was just created, for my payment to be processed. This is highly frustrating and now i’m just wanting my payment processed to my bill so i don’t have to worry about it anymore. I feel like im getting the run around and it’s really upsetting me.
I uploaded an Ally financial bill on 7/17/26 and here it is 7/28/26 and the bill still has not been paid!! I have emailed them several times. I emailed them on 7/23 for a status, they told me the bill would be paid on the 27th, today is the 28th. I emailed them and now they are saying the 29th. Keep in mind I have a second payment due on the 31st! If the payment don't post tomorrow I will be disputing with my bank. It's ridiculous!!!
Update to the reply 7/29/26: Pay laterr is lying!!! I had an email exchange with 3 different people one of them name Rose. if I hadn't emailed them I would have not known that I had to purchase a debit card in order for my bill to be paid. This is when Pay laterr decides to tell me that they no longer process ACH payments to pay your bill. Keep in mind I initiated this transaction on 7/17/26. I never refused to purchase the debit card for $9.99, my question and confusion was why after 2 weeks Im just finding out I needed to do this in order for my bill to be paid. The customer service person was rude so I got rude back!!! I can post the whole conversion, don't get on here and lie with this response!! Pay laterr dropped the ball. Plus in the conversation Rose states that the debit card didn't start until last Friday that date was 7/24 so the initial payment was never being processed!!
Reply from Paylaterr2026-07-28
We informed the customer that the required add-on must be purchased before we are able to load funds and proceed with their bill payment. We requested confirmation so that we could complete the funding process.
The customer advised that they were unwilling to purchase or provide confirmation of the required add-on. As a result, we are unable to load the funds or proceed with processing their bill payment until the required step has been completed.
update: customer purchased the add on and processed their bill payment.
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Sarah · 1 review · Verified · Experienced 2026-07-27 ·
★★★★★
Poor communication . Lack of timely payment options
I submitted my initial installment on July 4th. The website stated the bill would be paid by July 14. By July 17, it still hadn’t been paid. I reached out to customer service , and after 2 days and multiple emails I was told they needed an updated paystub. (I had not received any communication from them prior to this). I submitted the paystub the same day. On July 21 I emailed again and was told my
Payment would be submitted on July 23rd.
By July 25th , still no payment . It took an additional 2 days to receive any communication. They informed me that they would “have to check if the bill was paid”. At this point , I informed them that I would give 1 business day for resolution before filing a complaint. I received another email asking if I had paid for the debit card. Again up until this point there have been zero communication regarding any type of debit card,
Despite my multiple emails, asking for proof that my payment had been made.
Only after I threatened to escalate it further did I finally receive a response and was instructed on how to open the debit card option on their website. It then took until the end of the day before the debit card was even able to be used.
Yet through all of this, they were taking my installment payments but not following through on their end . Probably will not be using this service again. Too much frustration and lack of communication.
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Reply from Paylaterr2026-07-28
1 installment payment was received before the payment was made, we never attempted another installment until the bill was processed today. Please remember to cancel your subscription and/or delete your account once your installments are paid off so you are not charged going forward.
Paylaterr is a life saver I have had no issues with them paying my car payment and insurance. Highly recommended
Reply from Paylaterr2026-07-28
Thank you so much for your wonderful review Laneika! We truly appreciate you taking the time to share your experience with PayLaterr.
We're delighted to hear that you had a positive experience with our service. Our team is committed to making bill payments easier and less stressful, and it's always rewarding to know we've made a difference.
Thank you for choosing PayLaterr. We appreciate your support and look forward to serving you again in the future!
