KalPay

KalPay is a Pakistani fintech company that offers an Islamic financing solution allowing consumers to purchase goods and services on an installment basis without incurring interest. Its mission is to promote financial inclusion by providing accessible and ethical credit options to a broad consumer base, particularly those who are unbanked or prefer Shariah-compliant financial products. The service integrates with online and offline merchants, enabling customers to split their payments over a period of time at the point of sale.