Kalpay is a financial technology company dedicated to increasing financial inclusion in Pakistan by offering innovative, Shariah-compliant payment solutions. Its core product is a Buy Now, Pay Later (BNPL) service that allows consumers to purchase goods and services from partner merchants in installments without incurring interest. The company aims to empower both consumers by providing accessible credit and merchants by boosting sales and customer conversion rates through a seamless checkout integration.

Founded in

Senegal