Help Center

QisstPay is Pakistan's Shariah-compliant Buy Now, Pay Later. We let you split a purchase into 2 to 12 equal, interest-free installments at participating merchants. You pay the first installment at checkout and the rest over time — with zero interest, always.

Sign up takes less than 2 minutes. You'll need your CNIC number and phone number. We verify your identity instantly and give you a spending limit right away — no paperwork, no bank visit.

No. QisstPay is completely free for shoppers. We never charge interest, sign-up fees, or annual fees. You pay exactly the price of your purchase, split into installments.

You must be at least 18 years old, a Pakistani resident with a valid CNIC, and have an active mobile phone number. We'll determine your spending limit based on our credit assessment.

Your purchase is divided into the number of equal installments you choose — anywhere from 2 to 12. The first payment is due at checkout, and the rest are charged to your payment method on a regular schedule. Zero interest, always.

We accept bank transfers, debit cards, and other payment methods available in Pakistan. You can manage your payment method in your QisstPay account.

We'll send you reminders before each payment is due. If you miss a payment, your ability to make new purchases may be temporarily paused. We don't charge interest on late payments. A small administrative fee may apply, which is always disclosed upfront.

Yes! You can pay off your remaining balance at any time with no extra fees. Early payment won't affect your spending limit and may actually increase it.

Yes. If you need a bit more time, you can snooze a payment by up to one week with a single tap in the app. No penalties, no questions asked.

QisstPay is available at a growing network of Pakistani and international brands across fashion, electronics, beauty, home goods, and more. Check the Merchants section on our app to see all participating stores.

At a participating merchant's checkout, select QisstPay as your payment method. Log in or sign up, confirm your installment plan, and you're done. Your first payment is processed immediately.

We're currently available for online purchases. In-store QisstPay payments are coming soon — stay tuned for updates.

Refund and return policies are set by the merchant. If a merchant issues a full refund, we'll cancel your remaining installments and refund any payments already made. Partial refunds are applied to your remaining balance.

Once the merchant processes your return, refunds typically appear within 5–10 business days depending on your payment method.

Absolutely. We use bank-grade encryption (TLS 1.3), secure data storage, and regular security audits to protect your personal and financial information. We never sell your data.

Log in to your QisstPay account and go to Profile settings. You can update your phone number, email, payment method, and other details there.

Contact us at support@qisstpay.com to request account deletion. Please note that all outstanding balances must be settled before your account can be closed.

Yes. QisstPay charges zero interest on all installment plans. Our revenue comes from merchant service fees, not from consumer interest. Our model has been reviewed and certified by an independent Shariah advisory board.

Credit cards charge interest on unpaid balances, often compounding monthly. QisstPay never charges interest. You pay the exact price of what you bought, split into equal installments. No surprises, no compounding, and fully Shariah-compliant.