iPad for Everyone

The affordable financing option for non credit card users.



Why Purchase?



Simple Steps to Sign Up.



Choose your Right iPad Model.



Find out more at any iTworld outlet!


Frequently Asked Questions (FAQs)


  • 1. What is “iPad for Everyone” Program?

    “iPad for Everyone” is an upgrade program which allows you to upgrade to a new iPad every 24 months or 36 months with low monthly commitment.


  • 2. What device is available in this program?

    The iPad for Everyone Program offers a suite of iPad devices including the latest Apple iPad. For the latest list of available iPad devices, please check with the participating outlets.


  • 3. Can I sign up for more than one device under the Affordability program?

    No. ONE (1) NRIC is eligible for ONE (1) device under the Affordability program.


  • 4. Who is eligible to sign up for this program?

    i. Must be Malaysian with Blue NRIC only
    ii. Age 18 years old & above
    iii. Must pass the onboarding credit check


  • 5. Do I own the device, under this program?

    No. During the contract period, the device ownership title lies with Terra Optimus Pearl Sdn. Bhd. (TOP).

    Upon the full settlement of your repayments, if you choose not to upgrade nor return the old device and get a cashback from CompAsia Sdn. Bhd. (CA), you may incur an “Estimated Replacement Value” to buyout the device from CA.

    Definition ERV: “Estimated Replacement Value” means the amount payable by the Customer to replace the Mobile Device which shall be equivalent to its current worth (as determined by the Owner)


  • 6. Do I need to provide credit/debit card or other supporting documents to be eligible to sign up to the program?

    No. All you need to bring along to the store is your NRIC and the store sale representative will assist you on the signup process.

  • 7. When can I upgrade to a new device?

    The upgrade windows are on the 25th month (for 24 months program) and on the 37th month (for 36 months program).

  • 8. Do I need to pay an upgrade fee?

    No. There is no upgrade fee upon upgrade. All you need to do is return the old device AND on top of that, we are offering you a store voucher.

  • 9. Can I upgrade my device before the contract ends?

    No. The upgrade window is open once the contract has been fully fulfilled.

  • 10. What happens after my contract ends?

    After the contract ends, you can return the device and upgrade to a new device.

  • 11. What happens to my old device and its data when I upgrade?

    Your old device is to be returned to Apple Authorized Reseller and you are advised to back up data from the old device before returning it for an upgrade to a new device. Once the old device is returned, the residual data in the device will be wiped out.

  • 12. What should I do if the Device is faulty?

    Upon receiving the new device from the store, please sure to thoroughly check the device for defects. If there is something wrong with the device, notify the store immediately and request for a replacement. Once you have agreed to take the device, you shall be responsible for the condition of the device throughout the contract duration and continue paying the monthly fee until the end of the contract.

  • 13. What happens if my device got stolen?

    This program does not come with theft protection; hence you will need to continue paying until the end of the contract.

  • 14. What happens if my device got broken beyond repair?

    This program does not come with device protection; hence you will need to continue paying until the end of the contract.

  • 15. Can I terminate my contract after signing up or during the contract period?

    Early termination is allowed, after 12 months from the date of contract but you will be subjected to the following early termination penalty fee:

    Penalty Fee = (Monthly Rental x Remaining Months Balance) + Estimated Replacement Value (if applicable) + Administration Fee

  • 16. Where can I check my contract details?

    Once successfully signed up for the Program, you will receive your contract via email. All the terms and conditions of the Program are stated in the contract.

  • 17. Is there any payment upon sign up?

    Yes. There is a one-time program fee and the amount is equivalent to the monthly fee of your device plus one (1) month advance payment which will cover the first-month rental invoice.

  • 18. Where and how can I make the first payment?

    Upon your order confirmation, you will be redirected to iPay88 payment gateway where you can select credit/debit or FPX (internet banking) to make the first payment.

  • 19. Where do I make my monthly fee payments?

    You will receive an e-invoice every month and by clicking on the URL link provided in the email, you will be directed to your user portal. From the user portal, you can click the invoices uploaded and you will be redirected to iPay88 payment gateway to make payment for your monthly fee.

    The transaction description for the monthly fee payment will be reflected as “iPay88” or “iPay88*Terra Optimus Pearl Sdn. Bhd.” in your bank/card monthly statement.

  • 20. What happens if I missed my monthly payment?

    You will have to settle the outstanding amount as soon as possible to ensure you have continuous uninterrupted service on your iPad and avoid from being blacklisted. You will be receiving payment reminders via SMS and email.

  • 21. Can I do online payment through online banking?

    No. Payment can only be made through the user portal.

  • 22. Is there any auto-debit service?

    No. Auto-debit service is not available for this program.