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 instalments, 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!