Grow faster with Shariah-compliant buy now pay later
Let your customers pay in 2, 4, or 6 interest-free monthly instalments that follow Islamic finance principles
Halal growth, right in your hands
Offer interest-free instalments your customers can trust, while you get paid upfront and build lasting loyalty.
Get paid upfront
Receive the full payment right away while your customers pay in instalments. We handle the collections, so your cash flow stays healthy.
Riba-free instalments
No interest and a fixed total price agreed upfront, on every plan.
Attract new customers
Reach shoppers who look for halal payment options and win customers your competitors are missing.
Sell across Moby
Offer pay later online, in-store, and on mobile, so customers can buy wherever and whenever they shop.
Quick and easy integration
Go live fast with plugins for WooCommerce, Shopify and more, or connect directly through our API.
Real-time merchant dashboard
Track orders, payments, and settlements in one place, with clear reports that make reconciliation easy.
Built-in cashback
Reward customers with cashback they can spend at your store.
Your customer pays later, you get paid in full immediately
When customers split their purchase into instalments, Moby pays you the full amount upfront. We take care of the collections, so you get healthy cash flow without chasing a single payment
Flexible Islamic instalment plans your customers will love
Give shoppers the freedom to pay their way, interest-free, while you get paid upfront every time.
Pay in full
Customers pay the full amount at checkout. Quick, secure, and with no extra steps.
Pay in 2
Customers split the price into 2 equal, interest-free monthly payments
Pay in 4
Bigger purchases easier to afford, with 4 equal monthly payments and a fixed total
Pay in 6
Ideal for high-value purchases, spread over 6 months with no interest
Create your own plan
Set any plan from 2 to 6 payments to suit your products and customers
Smart tools to maximise your sales
Make it easier for customers to say yes with Moby Islamic, from the product page to the final payment
Display on-site messaging
Display payment with Moby Islamic on your product pages, so bigger purchases feel affordable.
Choose Moby Islamic at checkout
Customers select Moby Islamic at online checkout, in the Moby Islamic app, or at your POS terminal
Pick a plan and pay
Customers choose their plan and make the first payment to confirm the purchase, in just a few taps
Shariah Advisory by Masryef
Moby Islamic Pay Later is being developed with guidance from Masryef, an independent Shariah advisory firm. Their advisors work with us on our product structure, contracts, and fees to align them with Islamic finance principles, so you can sell, and your customers can buy, with confidence.
Secure, transparent, and built for trust
Secure payments
Every transaction is protected with bank-grade encryption and advanced fraud checks, keeping your business and your customers’ data safe.
Clear, upfront terms
Customers see exactly what they’ll pay and when before they confirm. No surprises, which means fewer disputes and happier customers.
Responsible approvals
Every customer goes through a quick eligibility check, so plans are offered to shoppers who can afford them and repayments stay on track.
Tap into thousands of Moby Islamic mobile shoppers
List your store in the Moby Islamic app, where shoppers discover halal-friendly businesses and pay in interest-free instalments. More visibility, more sales
Offer Islamic buy now pay later across Moby
Let customers pay in interest-free instalments online, by payment link, or at your counter, while you get paid upfront every time. One setup, every channel
Turn every pay later sale into a repeat sale with built-in cashback
Create your own cashback offers and reward customers every time they shop with Moby Islamic. Cashback is saved to their account for your store, giving them a reason to come back and spend again
All your pay later sales in one dashboard
Track sales by instalment plan, follow every settlement, and manage refunds from one simple dashboard built for your business
Moby pay later pricing
Processing fees apply. Instalment rates vary by plan length. Prices are subject to change.
Paid upfront
No interest
Pay in 2, 4 and 6
Frequently asked questions
Everything you need to know about Moby Islamic Pay Later.
What is Moby Islamic Pay Later?
It’s a Shariah-compliant buy now pay later service that lets your customers split their purchase into interest-free instalments, while you receive the full payment upfront.
How is it different from conventional pay later?
Moby Islamic Pay Later is structured under Islamic finance principles and developed with guidance from Masryef, an independent Shariah advisory firm. It’s free from riba (interest) and uses a fixed total price agreed at checkout. Like conventional pay later, you still get paid upfront while your customers pay over time.
Who is your Shariah advisor?
Our Shariah advisor is Masryef, an independent Shariah advisory firm. Their advisors work with us on our product structure, contracts, and fees to align them with Islamic finance principles.
How does it help my business grow?
When customers can split the cost into smaller, interest-free payments, bigger purchases feel easier to afford. That helps more shoppers complete their purchase, increases your average order value, and attracts customers who look for halal payment options.
Where can my customers use Moby Islamic Pay Later?
Your customers can choose Moby Islamic Pay Later wherever you sell with Moby: at your online checkout, through payment links shared on WhatsApp, social media, or email, at your in-store POS terminal, and in the Moby Islamic app. One setup covers every channel, and you get paid upfront every time.
Can I reward my customers with cashback?
Yes. You can create your own cashback offers and reward customers every time they shop with Moby Islamic Pay Later. Cashback is saved to their account for your store, giving them a reason to come back and buy again.
How much does it cost?
You pay a small fee per transaction: 1.5% for pay in full, and 3% to 6% for instalment plans, depending on plan length. Processing fees apply. Your customers never pay interest.
Which instalment plans can I offer?
You can offer pay in full, or let customers split their purchase into 2, 4, or 6 monthly instalments. You can also create your own plan anywhere from 2 to 6 payments, choosing shorter plans for everyday items and longer ones for bigger purchases.
Still have questions?
Can’t find the answer you’re looking for? Our team is happy to help.
Grow your sales with halal way, starting today
Let customers split their payments while you get paid in full, upfront. Boost conversions and order value with islamic pay later from Moby
