The first payment is stated to be at the time of purchase, but I haven’t received a real-time use notification for the card. Has the payment been completed?

At some stores, payment can be completed after the order details are confirmed or upon shipment. Please wait for a while until the payment information is reflected into your card. Please check the order completion email from the store to see if your order has been completed. The second and third payments will be one month after the purchase date and one day before two months after the purchase date respectively, regardless of when the first payment is reflected. For details on the payment schedule, please refer to "How does Smartpay work?".