Book Hotels and Flights Today, Pay Later Guide: Flexible Payment Options Explained

Traveling doesn’t have to mean paying everything upfront. With Trip.com’s Buy Now, Pay Later option, you can book flights and hotels today and split your payments into smaller, more manageable installments. This flexible payment method is perfect for travelers who want to lock in great deals without straining their budget.

What is “Buy Now, Pay Later” on Trip.com?

Buy Now, Pay Later is a payment option that allows you to confirm your flight tickets and hotel bookings immediately while paying the cost over time. Trip.com partners with pay later apps such as Atome and credit card installment plans from banks like POSB and OCBC.

Instead of paying the full price at checkout, you can pay in installments, some of which are interest-free.

How to Use Atome on Trip.com

Source: Atome.sg website

Booking with Trip.com and Atome installments is simple:

• Head over to the Atome app and tap on Trip.com
• Search for your flight or hotel bookings
• On the checkout page, select Atome as your payment method
• Log in to your Atome account (or sign up if you're new!)
• Confirm your booking and pay just 1/3 upfront. The remaining two payments will be automatically deducted later with zero interest.

Benefits of Booking with Atome on Trip.com

Source: Atome.sg website

Interest-Free Payments

With Trip.com’s Pay Later option through Atome, you can split your booking into 3 easy installments, all completely interest-free and with no hidden fees, making it easier to manage your travel budget while still securing your flights and hotels right away.

Travel Now, Pay Later

With Trip.com’s Buy Now, Pay Later option, you can book your flight or hotel instantly and confirm your reservation without paying the full upfront cost, giving you the flexibility to secure the best deals while spreading your payments over time.

Flexible Budgeting

Trip.com’s Atome Pay Later option helps you manage large travel expenses by breaking them down into smaller, manageable payments, so you can plan your trip with less financial pressure and more flexibility.

Seamless Checkout

The Pay Later feature is integrated directly into Trip.com’s booking system, meaning you can select your flight or hotel, choose a payment plan like Atome, and confirm your reservation in just a few clicks without needing to leave the Trip.com platform.

Things to Know Before Using Atome

Eligibility

Atome is available in select countries across Asia.

Payment Schedule

The first payment is charged immediately, while the remaining two are automatically deducted every 30 days.

Refunds

If you cancel a booking, refunds are processed according to Trip.com’s refund policy, and Atome will adjust your installment plan accordingly.

Spending Limits

Atome may set a maximum spending limit based on your account history.

Trip.com Credit Card Installments with POSB Bank

Source: POSB Bank

In addition to Buy Now, Pay Later providers like Atome, Trip.com bookings can be paid using a POSB credit card, and eligible DBS/POSB cardholders may subsequently convert qualifying transactions into monthly installments through the DBS/POSB My Preferred Payment Plan.

You can typically apply after the transaction has posted to your card account by using the DBS digibank app or our online banking platform.

How to Apply for My Preferred Payment Plan (POSB)

If you’ve booked your flight or hotel on Trip.com using your POSB/DBS credit card, you can convert your payment into affordable monthly installments with the My Preferred Payment Plan. Here’s how:

Step 1: Log in to digibank

Open your POSB Digibank mobile app or online banking.

Step 2: Head to “More, Apply” → “Pay by Installment”

Step 3: Click on Credit Card

Step 4: Under Select Transaction, select your card

Step 5: Select eligible transaction and select installment period

Find your Trip.com booking transaction from the list of eligible payments and choose between 3, 6, 12, or 24 months depending on your preference.

Final Steps: Click Apply and Your Application Is Successful

Check your monthly payment amount and any applicable processing fees, then submit your POSB installment plan instantly.

Trip.com Credit Card Installments with OCBC Bank

In addition to POSB, Trip.com also supports OCBC credit card installments. This option lets you turn your flight or hotel bookings into smaller monthly payments, making big-ticket trips easier to manage.

How to Apply for an OCBC Installment Plan

Step 1: Log in to the OCBC Digital mobile app or online banking

Navigate to Cards → Payment Plans.

Step 2: Select the card to make your transaction

Step 3: Select your transaction and installment period

Select the booking you'd like to pay in installments and choose a 6, 12, or 24-month plan (subject to your card’s eligibility).

Final Steps: Review the installment and submit

Check your monthly payment schedule and any applicable fees, then confirm instantly.

Final Thoughts

With Trip.com’s Buy Now, Pay Later, you can book both flights and hotels without paying the full price upfront. Whether you’re planning a weekend getaway or a long vacation, paying in installments makes travel more accessible and budget-friendly. Lock in today’s deals, travel stress-free, and manage your payments with ease.