We are KalPay

Co-founded by a team of 2 LUMS Graduates, KalPay has become the largest Shariah Aligned buy now pay later fintech startup based out of Lahore. KalPay is the easiest, most convenient way to pay for your online purchases in Pakistan. With KalPay, you can shop online and pay in 3 equal monthly installments, without any interest or additional costs. We want to make it easy for everyone to participate in the digital economy, so we've eliminated all the barriers that might stand in your way. Shopping with KalPay is just like shopping with any other credit card - only Shariah-compliant and easier. So what are you waiting for? Sign up now and start shopping!

Our Values


Inspire Innovation

Our team is constantly working on something new and making it better. We develop great ideas that we hope will shape the future of e-commerce and financing in Pakistan.


Value Teamwork

The team’s strength is not its collective experience and expertise, but rather the ability to trust each other in all circumstances. We work towards a common goal by supporting one another through thick or thin; no matter what challenges arise.


Be Committed

We are passionate about what we do, and it shows in our work. We take pride in helping people live their best life possible through the services that we provide. We believe there is no such thing as too much commitment when you're working towards something worthwhile.