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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.
Sign up to find out more!

Upfront costs
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!

100s of Stores & Anytime

Use KalPay at 100s of our partner merchants and that too at any time you want to!
It's like magic

How it works

Fill up your cart

Choose any product(s) from thousands available on our partner's websites

Checkout with KalPay

Select "Pay with KalPay" as the checkout option

Approve the Payment

Approve the payment from your account


All done. You will recieve the product(s) from the standard shipping

How it Works

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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