Question 1

What is 'Buy Now, Pay Later' (BNPL) at Shopkist?

Accepted Answer

BNPL is a flexible payment option that allows you to purchase your favorite products immediately and split the cost into 3 interest-free installments. You pay the first part upfront, and the rest later.

Question 2

Is there any interest or hidden cost?

Accepted Answer

No, Shopkist BNPL is completely interest-free. There are no markups, processing fees, or hidden charges. You only pay the actual price of the product split over three payments.

Question 3

How does the payment schedule work?

Accepted Answer

The first 1/3 is paid at the time of purchase. The remaining two installments are automatically deducted every 15 days (Day 15 and Day 30) from your linked account.

Question 4

What payment methods can I use for BNPL?

Accepted Answer

You can link your JazzCash wallet or use any valid Debit/Credit card (Visa/Mastercard) via our secure payment partner, XPay.

Question 5

Do I need a high credit score to use this?

Accepted Answer

No, our BNPL service is designed to be accessible to everyone. Approval is instant based on a simple verification process during checkout. No lengthy bank approvals required.

Question 6

What is the minimum order limit for BNPL?

Accepted Answer

Buy Now Pay Later is currently available for orders starting from PKR 2,000 up to PKR 100,000 depending on your account eligibility.

Question 7

What happens if I miss a payment?

Accepted Answer

While we don't charge interest, a small late fee may be applied by our payment providers if a scheduled payment fails. We'll send you multiple reminders via Email and WhatsApp to help you stay on track.

Question 8

Can I pay off my installments early?

Accepted Answer

Absolutely! You can choose to pay your remaining balance at any time through your Shopkist account dashboard with no early repayment penalties.

Question 9

Is my payment data secure?

Accepted Answer

Yes. Your security is our top priority. We use bank-level 256-bit encryption and partner with industry leaders like JazzCash and XPay to ensure your financial data is never compromised.

Question 10

Can I return an item bought with BNPL?

Accepted Answer

Yes, our standard 14-day return policy applies to all BNPL orders. Once your return is processed, any paid installments will be refunded directly to your original payment source.

Features	Shopkist BNPL	Traditional Cards
Interest Rate	0%	2% - 5% Monthly
Signup Time	Seconds	Days/Weeks
Hidden Fees	Zero	Annual Fees / SMS Fees
Approval Required	No Paperwork	Income Proof & Statements
Ease of Use	Mobile Only	Complex Statements

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