Grow your business

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

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INCREASE YOUR SALES

We can help you increase your sales by 25% and decrease your shopping cart abandonment rate.

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NO RISK

We take on all the repayment risk. You don’t have to worry about anything.

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GET PAID IN 3 WORKING DAYS

We will disburse the amount within 3 working days.

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SHARIAH ALIGNED

We strictly follow all Islamic Finance principles.

Getting started

Trusted by renowned brands, you will join a community of Pakistan’s top brands and stores

  • img Sign up in minutes
  •  img  Access our portal
  •   img  Accept orders
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Transparent pricing

Our pricing is transparent & simple

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  • img No monthly fee
  • img No fixed rupee charges per order

Are you ready to start using KalPay?

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!

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What our merchants are saying

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THE LINEN COMPANY

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TOTES

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HIRA ALI BEAUTY

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IRONGEAR

A seamless partnership

Our experience with KalPay has been absolutely amazing. The members of the KalPay team have always been there to resolve issues and accommodate requests. We look forward to continuing this seamless partnership!

A super useful feature for customers, we love it!

A very useful feature especially for the customers who have to shop on fixed budgets. It's user-friendly and has definitely added more numbers to our sales. The payment cycle is short and hassle-free, all the deposits are made without any follow-ups which makes it ideal for any client. The team is super-efficient and accommodating so far our experience with Kalpay has been great.

An experience that is extremely smooth sailing

Our experience with KalPay has been extremely smooth sailing. Their entire system is perfectly organised and the team is very present/efficient and cooperative. We have had a very pleasant journey with them so far, and plan to continue for a long time! We would highly recommend them to other brands as well! Let’s make shopping easy and affordable for our fellow Pakistanis with KalPay’s ‘Buy now, Pay later’ policy.

A fruitful experience

Working with KalPay has been a very fruitful experience which has helped us to expand our audience and reach more customers. The team has been remarkable and responsive throughout and are always pleasant to work with. The system they have in place is seamless and easy to understand for clients. Moreover, the deposits are also made in a timely manner. We look forward to continue our journey with KalPay in the future!

Frequently Asked Questions

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