Pay in 4
Split any purchase into 4 equal payments with 0% markup. Shariah-compliant, online or in-store.
Learn about Pay in 44
Pay Over Time
Bigger buys, up to 12 installments
Spread the cost of larger purchases into smaller monthly payments. You always see the full price before you commit.
Plan details
Pay Over Time carries a fixed markup. It's agreed upfront and never increases.
10
monthly installments
+20% markup
Example: on PKR 100,000 you pay PKR 120,000 in total, about PKR 12,000 a month.
12
monthly installments
+25% markup
Example: on PKR 100,000 you pay PKR 125,000 in total, about PKR 10,417 a month.
Who can use it: Enzer Executive and Executive Plus members, for online purchases.
How it works
1.Shop online
Add that bigger purchase to your cart at an Enzer partner store.
2.Choose 10 or 12 installments
Pick Pay Over Time at checkout and see the full cost upfront.
3.Pay monthly in the app
Track each installment and pay early whenever you like.
FAQs
You have questions? We have answers.
How much does Pay Over Time cost?+
10 installments carry a 20% markup and 12 installments carry a 25% markup. The exact amount is shown before you confirm.
Who can use Pay Over Time?+
Enzer Executive and Executive Plus members, for online purchases.
Is Pay Over Time Shariah-compliant?+
Enzer avoids interest (riba). Any markup is a fixed amount agreed before purchase and never grows over time.
What happens if I miss a payment?+
We don't charge late fees, but missed payments can affect your account status and future spending limit.
Other ways to pay
Mix and match plans to suit each purchase.
Pay at Month's End
Nothing to pay today. Shop all month and clear one simple bill when the month ends.
Learn about Pay at Month's EndDue
Shop now. Pay your way.
Download the Enzer app to see your limit, choose a plan and start shopping today.
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Next payment
PKR 3,750
Installment 1Paid
Installment 2Paid
Installment 3Upcoming
Installment 4Upcoming