Zero interest. Zero fees. Forever.
PayLater is Qatar's first Buy Now, Pay Later app licensed by the Qatar Central Bank, and it is 100% Sharia-compliant, certified by Bait Al Mashoura. Split any purchase into 4 payments over 3 months, or spread bigger orders across up to 12 monthly instalments with FleXed.
SPLIT IN 4
Pay 25% at checkout and the rest across 3 payments. Get approved in minutes with your Qatari ID and a selfie.
FLEXED: UP TO 12 MONTHS
Orders of QAR 4,000 and above can be spread over up to 12 monthly instalments instead of 4. Every eligible account gets 10 FleXed credits, one for each instalment you add beyond the standard 4. Run up to 2 FleXed orders at once, and your credits come back as you repay. FleXed is offered based on eligibility.
YOUR FIRST PAYMENT, YOUR CALL
Raise your first payment above the standard 25% and the balance splits evenly across the instalments you choose. And if something costs more than your limit, pay the difference up front and split the rest.
1,500+ MERCHANTS ACROSS QATAR
Shop online and in store at more than 3,000 outlets, including Lulu, Fnac and many more.
IN THE APP
Your live credit limit, every order and due date in one place, early repayment at no cost, secure card management, and full Arabic and English support.
SAFE, LOCAL, TRANSPARENT
Licensed by the Qatar Central Bank. PCI DSS-compliant security. Every transaction is processed inside Qatar. The only charge is a QAR 50 late payment fee, approved by our Sharia Supervisory Committee and donated in full to charity.
Join 500,000+ shoppers in Qatar already paying a smarter way.
I am very disappointed with the service. Despite contacting your support team in advance and specifically requesting that my credit limit not be reduced because I would need it during July, my credit limit was still lowered.This was extremely frustrating, as I had informed you of my upcoming need and expected my request to be taken into consideration. Reducing my limit despite my prior communication has caused significant inconvenience and has affected my trust in your service.I hope you will review my case, restore my previous credit limit, and improve the way customer requests are handled in the future.
Seamless and Reliable Service
F_M_K_88
PayLater has truly simplified my payment experience. The option to split purchases into four payments is convenient and easy to manage. The app interface is user-friendly, transactions are smooth, and notifications keep me updated at every step. Customer service is responsive and helpful, making the overall experience excellent. Highly recommended for anyone looking for a smart and reliable way to manage their payments.
I love this app
Marcalitus
This app is easy to use and has a great interface. Simple easy payments and they increase your payment gradually based on your purchases. They do a great job on everything. The app doesn’t stutter and pays smoothly.
Bad experience with the Pay Later app
Bo-sultan1
The app is very complicated to use, especially during shopping when quick access is needed. Customer support takes too long to respond and doesn’t resolve your issues. There’s no option to edit your personal information directly—you have to contact support just to make simple changes, which is not user-friendly at all. I do not recommend this app, and the developers seriously need to improve both functionality and support service.
Developer Response
Hi, thank you for your feedback, and we're sorry to hear about your bad experience. We understand the need for faster support and easier app navigation, and we're actively working on improvements. Your feedback has been shared with our team, and we appreciate your input. Thank you!
We’ve improved app performance and squashed a few bugs to deliver a faster, smoother, and more reliable experience.
Version 3.6.0
The developer, Pay Later, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Identifiers
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Contact Info
Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
