Buy Now Pay Later

At ISPEKTRUM we understand the financial constraints hindering the drive to buy your favorite product. To help support our customers, ISPEKTRUM have introduced Buy Now Pay Later program. Now you can buy your favorite product with stress free financial solution. There are 2 options:

  1. Splitit
  2. Post Dated Cross Cheques
  1. Splitit: ISPEKTRUM have teamed up with Splitit Financial to provide hassle free monthly installments. Splitit makes your payments smaller so you can make life bigger. Use your credit card to split your payment into smaller, bit-sized pieces.
  • Choose Splitit at Checkout. 
  • Select number of payments between 2 to 6 monthly payments.
  • Pay over time.

 With Splitit, you always get 0% interest. No late fees. There are no applications or credit checks, and you continue to earn your points and rewards on your card. 

Splitit Monthly Installment Process:

1. Add product to Cart. Though the Cart Page & Checkout Page will show full amount but you will not be charged for full payment. At the Payment Page, you will have the option to divide the final amount into monthly payments and only first payment will be charged to your credit card.

2. Proceed to Checkout.

3. At the Shipping page, enter your:

  • Email
  • Shipping Address
  • Phone Number
4. Click “Continue to shipping”.
5. At the Shipping page, select your choice of shipping method.
6. Click “Enter Credit Card/Debit Card” to go to Payment page.
7. At the Payment page below PayPal, you will find Splitit option.
8. Select “Splitit: Monthly credit card payments - no fees”
9. Click “Pay Now” and you will be direct to Splitit Monthly Payment Page.
10. At Splitit page enter:
  • Credit Card number
  • Full Name as on Credit Card
  • Credit Card Expiry Date
  • CVV number (present at the back of the credit card)
  • Select your number of payments
  • Check mark the box to accept terms & conditions
  • Click “Pay” to complete the transaction.


Note: Splitit only works with Credit Cards. Debit Cards are not eligible for Splitit monthly installment plan.

Make sure to have $1 more than your total order amount in your credit card available balance. System will authenticate to make sure you have enough balance but will only deduct the first installment (see picture below for example).

  1. Post Dated Cross Cheques: No credit card, no worries. You can still buy your favorite product on installments using Post Dated Cross Cheques in the name of our company, WAF Technology & Business Solutions Inc.

To use this service, kindly send email to and an associate will be happy to assist you through the process.

  • 2 to 6 months installments - 0% Service Fee
  • 7 to 8 months installments - 4% Service Fee
  • 9 to 10 months installments - 5% Service Fee
  • 11 to 12 months installments - 6% Service Fee

Example: A product final price after all discounts is $100.

Buying Price = $100

Date of purchase = March 01, 2022

HST/GST = 5%

Total Price = $100 + 5% GST = $105

Installments = 12 months - 6% Service Fee

Grand Total = $105 + 6% Service Fee = $111.3

12 equal monthly installments = $111.3/12 = $9.28

 So, the customer will be sending 12 post dated cross cheques in the name of WAF Technology & Business Solutions Inc. entering $9.28 amount on each cheque with following dates on the cheques.

Cheque 1: Mar 01, 2022

Cheque 2: Apr 01, 2022

Cheque 3: May 01, 2022

Cheque 4: Jun 01, 2022

Cheque 5: Jul 01, 2022

Cheque 6: Aug 01, 2022

Cheque 7: Sep 01, 2022

Cheque 8: Oct 01, 2022

Cheque 9: Nov 01, 2022

Cheque 10: Dec 01, 2022

Cheque 11: Jan 01, 2023

Cheque 12: Feb 01, 2023