✦Shop up to PKR 200,000

Pay in 4

Four easy payments. Zero markup.

Split your purchase into 4 installments, online or in-store. Shariah-compliant, with nothing added on top.

Get it onGoogle Play
4

Split your payments

Pay a quarter today and the rest in three equal installments.

0% markup

No interest, no markup. The price you see is the price you pay.

Shariah-compliant

Built on transparent, interest-free principles.

How to pay online

  1. 1.Shop your favourite store

    Fill your cart at any Enzer partner store.

  2. 2.Choose Pay with Enzer

    Pick Enzer at checkout and select Pay in 4.

  3. 3.Pay the first installment

    Pay it in the app or as cash on delivery. The rest is scheduled for you.

How to pay in-store

No card machine needed. Enzer works at the counter with a QR code.

  1. 1.Scan the merchant's QR

    Open the Enzer app and scan the code at the counter.

  2. 2.Upload your bill

    Add a photo of your bill so the amount is recorded.

  3. 3.Choose 4 installments

    Confirm the plan and walk out with your purchase.

Shopper paying with a phone at a store counter

What's next

Stay on top of every payment

  • Track your payments

    See every installment and what's left to pay in the app.

  • Get reminders

    We remind you 48 and 24 hours before each due date.

  • Pay in the app

    Clear an installment in a few taps, or pay early anytime.

FAQs

You have questions? We have answers.

When are my Pay in 4 installments due?+

Your first installment is paid when you order, in the app or as cash on delivery. The remaining three follow on the schedule shown in the app before you confirm.

Is there any markup or interest on Pay in 4?+

No. Pay in 4 has 0% markup and no interest. What you see at checkout is what you pay.

What happens if I miss a payment?+

We don't charge late fees. We send reminders 48 and 24 hours before each due date, and an SMS if a payment is missed. Missed payments can affect your account status and future spending limit.

Can I use Pay in 4 in physical stores?+

Yes. Scan the merchant's Enzer QR code, upload your bill and choose 4 installments.

Other ways to pay

Mix and match plans to suit each purchase.

Shop now. Pay your way.

Download the Enzer app to see your limit, choose a plan and start shopping today.

Get it onGoogle Play

Next payment

PKR 3,750

Installment 1Paid
Installment 2Paid
Installment 3Upcoming
Installment 4Upcoming