Shop at your favorite stores today and pay later with KalPay, with no additional costs or charges!
Imagine the possibilities if you could buy all your favorite things in 3 monthly installments with no interest owed at any time.
10th of February
First payment10th of March
Second payment10th of April
Third payment
Shop at your favorite store and select KalPay at checkout
Login or Sign up and pay your down payment
That's it! You have split your payments in 3!
KalPay’s buy now pay later is the easiest way to shop for all your favorite stores in one place. With just a few clicks, you can have everything that's on your list at home before too long!
We follow the socially responsible Shariah finance laws. 0% interest! Our process is approved by our Shariah Board.
It takes less than a minute to make your KalPay account. No documentation required!
Your security is our number one priority! We follow the best practices for data protection.
Use KalPay at our partner merchants and that too at any time you want to!
We have onboarded hundreds of merchants helping you buy what you need now and pay later - whether it's furniture, clothes, or even tech!
Mahnoor Qaiser
Malaika Khan
Hamza Malik
Ayesha Amjad
The number of abandoned carts can be decreased with the use of Buy Now Pay Later. This allows customers to feel empowered, which increases their chance of returning back!
New to buy now and pay later? Here are some of the questions we get asked a lot.
We are a Shariah Aligned, Buy now Pay later service. Using KalPay you can shop anything and split your payments in 3 monthly installments.
Customers are required to pay a 1⁄3 down payment which is also the 1st instalment followed by 2 monthly instalments.
All Pakistani nationals with a computerized CNIC, smartphone, verifiable phone number and email are eligible to use KalPay.
At KalPay, security is our number one priority. We abide by all regulations to ensure your data, especially your credit card details, are safe.
KalPay is completely free for all our customers. Unless you’re late on your payments after which there is a “late payment penalty” after several reminders and a cushion period.
Our minimum credit limit is Rs. 1,500/- and maximum is Rs. 15,000/-. However, if you need to request for credit limit enhancement, you can contact us at success@kalpayfinancials.com
