PayLater: Split Your Payments

Zero interest. Zero fees. Forever.

PayLater is Qatar's first Buy Now, Pay Later app licensed by the Qatar Central Bank, and it is 100% Sharia-compliant, certified by Bait Al Mashoura. Split any purchase into 4 payments over 3 months, or spread bigger orders across up to 12 monthly instalments with FleXed.

SPLIT IN 4
Pay 25% at checkout and the rest across 3 payments. Get approved in minutes with your Qatari ID and a selfie.

FLEXED: UP TO 12 MONTHS
Orders of QAR 4,000 and above can be spread over up to 12 monthly instalments instead of 4. Every eligible account gets 10 FleXed credits, one for each instalment you add beyond the standard 4. Run up to 2 FleXed orders at once, and your credits come back as you repay. FleXed is offered based on eligibility.

YOUR FIRST PAYMENT, YOUR CALL
Raise your first payment above the standard 25% and the balance splits evenly across the instalments you choose. And if something costs more than your limit, pay the difference up front and split the rest.

1,500+ MERCHANTS ACROSS QATAR
Shop online and in store at more than 3,000 outlets, including Lulu, Fnac and many more.

IN THE APP
Your live credit limit, every order and due date in one place, early repayment at no cost, secure card management, and full Arabic and English support.

SAFE, LOCAL, TRANSPARENT
Licensed by the Qatar Central Bank. PCI DSS-compliant security. Every transaction is processed inside Qatar. The only charge is a QAR 50 late payment fee, approved by our Sharia Supervisory Committee and donated in full to charity.

Join 500,000+ shoppers in Qatar already paying a smarter way.