Discover a
Smarter Shopping
Experience with MISpay

Thousands of stores. Hundreds of deals. One app that puts you in control of your spending and helps you save more.

Shop your way, pay with ease

Enjoy the freedom to split your payments the way that fits your lifestyle—interest-free or over time with MISpay.

Flexible payments

Split your purchase into 4 interest-free or up to 12 monthly payments.

Shop securely

Your payments and data are safe and secure with MISpay at every step.

Smooth checkout

Pay with MISpay and check out quickly, online or in-store.

How does MISPay work?

Find what you love and pay your way. With MISPay, you’re in control of how you want to pay every time you shop.

Know Where You Can Split Your Payments

Shop your favorite brands — online or in-store — and pay in 4 easy, interest-free, and fee-free installments.

All the Deals in One Place

Discounts, coupons, and cashback — all curated for you in the MISpay app. Never miss a chance to save.

No Interest. No Fees. No Surprises.

What you see is what you pay — the same product price, split into installments, with zero hidden charges.

Easy to Use

Ask the cashier about paying in installments with MISpay and complete your purchase instantly.

Fast Process

You’ll receive a message right away to set up your payments easily and schedule them into 4 convenient monthly installments.

No Extra Charges

Pay only the value of your purchases — no additional fees, no hidden terms.

Ways to pay with MISpay

Find great deals in the app, shop what you love, and choose a flexible payment option that works for you.

In-Store Payments

At partner stores, ask the cashier for MISpay. You’ll receive a link to pay your first installment, then manage and pay the rest directly through the MISpay app.

Online Checkout

At online stores, look for the MISpay badge at checkout. Select it as your payment method, split your purchase, and enjoy flexible payments instantly.

Frequently asked questions

Everything you need to know about the product and billing.

Do you charge any fees?

Not at all. MISpay does not charge any fees — no late fees, no processing fees, and no hidden charges of any kind. All our services are fully compliant with Islamic Sharia principles.

Am I eligible to use the service?

If you are 18 years old or above and have a good credit record, you are eligible to use MISpay with ease.

Why was my request declined?

Your request may have been declined due to not meeting the eligibility requirements, an issue with your payment method, or a problem with your credit record. Try again or use a different card with MISpay.

 

Where can I use the service?

You can explore all our partner stores through the MISpay app, or you can ask the cashier directly about using MISpay installment services.

 

Still have questions?

Can’t find the answer you’re looking for? Please chat to our friendly team.

Get in touch

Shop smarter

with MISpay

Split payments, unlock deals—always interest-free and Sharia-compliant.

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MISpay APP