Shop at your favorite stores today and pay later with KalPay, with no additional costs or charges!

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What is KalPay?

KalPay is a Shariah Compliant Buy now Pay later service. It allows customers to use credit and payback in installments or delay their payments. All this with minumum hassle and paper work.
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Some of the


Shariah Compliant

We follow all Shariah finance rules

Easy Sign Up

Make your account at KalPay within a few seconds

Secure & Trustable

Security is our number one priority, use KalPay on the go without any worries!

Shop at Your Favorite Stores & Anytime

Use KalPay at our partner merchants and that too at any time you want to!

Frequently Asked Questions

What is KalPay?
KalPay is a Shariah Compliant Buy now Pay later service. It allows you to split your payments with 2 payment options. One allows you to pay the whole amount within 14 days of your purchase. The other allows you to pay the amount in 4 equal, fortnightly (2-weeks) installments.
Am I eligible to use KalPay?
All Pakistani nationals with a computerized CNIC, a smart phone, verifiable phone number and Email ids are eligible to use KalPay.
Is my Payment information Safe?
At KalPay, security is our number one priority. We abide by all regulations to ensure safety of all your data.
Is this a Shariah compliant form of finance?
KalPay follows all the Shariah finance and banking laws very strictly. We are a Shariah Compliant company.
Are there any fees for using KalPay?
KalPay is totally free for all our consumers, we do charge a late payment fee but that too after giving you constant reminders and a cushion period.
Didn't find what you were after? Visit the Business FAQ Page or the Customers FAQ Page

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