Pay in 3 monthly installments!

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 payment

10th of March

Second payment

10th of April

Third payment
What is KalPay?

KalPay is a Shariah Aligned Buy Now Pay Later service.

  • img Shop at your favorite store and select KalPay at checkout
  • img Login or Sign up and pay your down payment
  • img That's it! You have split your payments in 3!

Why choose KalPay?

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!


Shariah Aligned

We follow the socially responsible Shariah finance laws. 0% interest! Our process is approved by our Shariah Board.


Easy Sign Up

It takes less than a minute to make your KalPay account. No documentation required!


100% Secured & Trustable

Your security is our number one priority! We follow the best practices for data protection.


Shop at Your Favorite Stores

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

Working with hundreds of famous brands

We have onboarded hundreds of merchants helping you buy what you need now and pay later - whether it's furniture, clothes, or even tech!

What our customers are saying


Mahnoor Qaiser


Malaika Khan


Hamza Malik


Ayesha Amjad

Glad I found it

Ive been using KalPay since the past few months now! Glad that I found it. I am a shopaholic and love online shopping but due to low budget sometimes I had to drop my favourite things. Now I can purchase big items while paying in instalments! Its beyond helpful and the customer service is very good

What an outstanding experience!

I have been using Kalpay for the past few months, it has made my budgeting so easy for me i get things on time and don’t worry about them breaking my bank. Their service is amazing i’ve never encountered any problem and i have been using it quite a lot. I feel this is a great initiative and its a great help to people.

Using KalPay has been an amazing journey

KalPay! A Fantastic Company! Glad that companies like these exist in Pakistan. The service provided to me was really smooth. Most importantly, everything was done in a blink of an eye. Hats off to its Marketing/Sales team who made the whole process look so easy. Highly recommended!!

Most helpful service ever

My experience with KalPay has been amazing. Love their speed and the care and concern they have for their customers. It has made my life easier as I have to worry less about credit and can shop when required. KalPay is providing a great service. Fully recommended. 💯


Are you a business?

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!

Frequently Asked Questions

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 13 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