Simplest way to grow your business

The buy now, pay later solution for your customers, with no sign-up fees and full payments upfront for your business.

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Merchant

Reasons for choosing us

Grow your business

Our pricing is as simple and transparent as it can get. With no hidden costs or sign up charges.


Increase your sales

We will help you increase your retention rate by 30% and decrease shopping cart abandonment by 50%.


Get paid in 3 working days

We will disburse the amount within 3 working days


No Risk

We take on all the repayment risk.


Shariah Compliant

We strictly follow all Islamic Finance principles.

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% Increase in Sales
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% Increase in customer retention
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% Decrease in cart abandonment

Getting Started

Trusted by more than 30 brands, you will join a community of Pakistan's top brands and stores

Sign Up In Minutes

Sign up on our website, get approved and then sign your e-contract and done.

Access Our Portal

Get access to our merchant portal.

Accept Orders

Your customers can now purchase through KalPay

How it Works

Our pricing is transparent & simple

Our pricing is as simple and transparent as it can get. With no hidden costs or sign up charges.

No Setup Costs

Our service is absolutely free to sign up.

Know Your Fees

The Merchant fee that you will be charged will be clearly disclosed to you.

No Minimum

There is no minimum fee per transaction and no minimum transaction requirement.

Join other major brands

Trusted by more than 30 brands, you will join a community of Pakistan's top brands and stores

Get Started
Merchant Partners

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 partner with KalPay as a business?
All legal businesses working within the jurisdiction of Islamic Republic of Pakistan can sign up with KalPay. You have to ensure that the products your sell are in compliance with our policies.
What is the Merchant Portal?
Merchant portal is an order handling system at KalPay. It gives you information of all your orders that are processed through KalPay and give you all the details of your dues and your account information. All complaints can also be filed through our portal. You can also access interactive dashboards through the portal.
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.
How do we get KalPay as a payment option on our website?
When you sign up as a merchant with KalPay, you will be able to download our plugin which works across all major web platforms. This plugin will add KalPay as a payment option on your website.
Didn't find what you were after? Visit the Business FAQ Page or the Customers FAQ Page

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