QisstPay

QisstPay is Pakistan's first and only legally operating Buy Now, Pay Later (BNPL) platform, having received the first-ever BNPL license from the Securities and Exchange Commission of Pakistan (SECP) in December 2021. The platform allows consumers to split purchases into two to twelve equal, interest-free installments with zero interest and a 100% Shariah-compliant structure built on fixed fees rather than interest. QisstPay's AI-powered instant credit decision system approves customers in 60 seconds with no paperwork, serving consumers across Pakistan with purchases ranging from 1,500 to 500,000 PKR. The company helps eCommerce merchants increase conversion rates and affordability for customers who lack credit cards or bank loans, and has expanded its product suite to include SME funding, accounts receivable financing, and net terms solutions for businesses. QisstPay has also expanded internationally to the United States.