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.
Our pricing is as simple and transparent as it can get. With no hidden costs or sign up charges.
We can help you increase your sales by 25% and decrease your shopping cart abandonment rate.
We take on all the repayment risk. You don’t have to worry about anything.
We will disburse the amount within 3 working days.
We strictly follow all Islamic Finance principles.
By offering Buy Now Pay Later, you can decrease the number of abandoned carts and increase sales revenue. Offering this free of charge to your customers allows them to feel empowered as well which is an attractive factor for many people who may otherwise leave without making a purchase at all!
New to buy now and pay later? Here are some of the questions we get asked a lot.
KalPay is Pakistan’s biggest Buy Now and Pay Later service, allowing you to split your payments into 3 monthly instalments.
Customers are required to pay a 1/3 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 success@kalpayfinancials.com