Company
Our Story
Rooted in Heritage. Powered by Innovation.
The Problem We Saw
Pakistan has over 220 million people, a booming e-commerce market, and a young, mobile-first population eager to shop. But most Pakistanis are locked out of traditional credit. Banks require lengthy applications, high minimum incomes, and charge interest that conflicts with the values of over 96% of the population.
The result? Millions of consumers who can afford products over time but can't afford them all at once — and no ethical, accessible solution to bridge the gap.
The QisstPay Solution
QisstPay was built to solve this. We created a Buy Now Pay Later platform designed specifically for Pakistan — one that is fully Shariah-compliant, zero-interest, and accessible to anyone with a CNIC and a phone number.
"Qisst" (قسط) means "installment" in Urdu. It's a word every Pakistani knows. We took that everyday concept and built a modern, digital-first platform around it.
What Drives Us
Financial Inclusion
We believe access to flexible payments shouldn't require a credit card or a bank relationship. If you can pay over time, you should be able to.
Ethical Finance
Our model charges zero interest — ever. We earn from merchant partnerships, not from consumer debt. Your faith and your finances should never be at odds.
Local-First Technology
Our AI-powered credit engine is trained on Pakistani data and understands local economic realities — from salary cycles to seasonal spending patterns.
Merchant Growth
We help Pakistani businesses increase their average order value and reach customers who would otherwise walk away at checkout.
Backed by Olivas Venture Capital
QisstPay is operated by Olivas Venture Capital, bringing world-class product development and fintech expertise to the Pakistani market. Our team combines deep local market knowledge with global technology experience to build products that serve Pakistan's unique needs.
Where We're Headed
We're just getting started. Our roadmap includes expanding our merchant network across every major category, launching in-store QisstPay payments, deepening our AI underwriting capabilities, and building financial tools that help Pakistanis not just shop smarter, but save smarter.
Want to be part of the journey? We're hiring.