MALL Pay is a service for postponing payment - you shop at the e-shop and pay for the purchase only after trying the goods within 14 days. So you don't pay with your own money when buying, and you don't have to worry about returning money if the product doesn't suit you. With the Skipovac card and verified accounts, the payment can be made in up to 50 days not only in e-shops, but also in brick-and-mortar stores.