Yango Pakistan Launches Pay Later Sharia-Compliant BNPL

In Short

Yango Pakistan launched Pay Later, a Sharia-compliant buy now pay later service. It starts as a pilot with selected online merchants. Shoppers can split purchases into equal instalments paid every two weeks.

What Happened

Yango Pakistan, part of Yango Group, has introduced Pay Later as its first fintech product in the country.

Pay Later is a BNPL product, which means buy now pay later. It lets customers take an item at checkout and pay in smaller pieces over time, like splitting a bill with a schedule.

The service is live as a pilot on the websites of selected partner merchants. Early merchants include Habitt, Sana Safinaz, Bagallery, Ego, Walkeaze, and Scent N Secrets. Participating stores can also be found in the Shop section of the Yango SuperApp.

Yango says payments are split into equal amounts, paid every two weeks, for eligible purchases. During the pilot, the team plans to work with merchants and customers to refine the product before a wider rollout.

Yango Pakistan expects to expand the merchant network to more than 100 large online retailers in categories such as fashion, beauty, home goods, and electronics by the end of 2026.

On compliance, the company says Pay Later has been reviewed by Dr. Muhammad Imran Ashraf Usmani of Usmani and Co. Shariah Advisors. The review concluded that the product structure and operating principles meet Sharia requirements.

Why It Matters

Pakistan is a large Muslim-majority market, so Sharia compliance can affect adoption for credit and instalment products. A clear compliance review may also help merchants feel comfortable adding BNPL at checkout.

For online retailers, BNPL can lift conversion, which means more shoppers completing purchases instead of abandoning carts. For consumers, it provides short-term payment flexibility without needing a credit card.

For Yango Group, the launch signals a push beyond ride hailing and delivery into financial services. That could deepen retention inside its app ecosystem and open up new revenue lines tied to commerce and payments.