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Shop Now. Pay Later.

Mintpay let's you split your bills into 3 Interest-Free Instalments, with your debit and credit card. Pay Later at your pace both online and in-store.

How it works

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Sign up with Mintpay
Sign up, verify your account, and instantly unlock and using Pay Later.
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Shop at your favourite stores
Start shopping both online or in-store at over 1500+ Mintpay partner brands.
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Split your bill in 3
Split your bill in 3 equal instalments over 2 months with your debit or credit card. No interest. No gimmicks.
Here's what you might pay
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Rs. 36,000.00
Total amount
Today
Rs. 12,000.00
in 30 Days
Rs. 12,000.00
in 60 Days
Rs. 12,000.00
Why ‘Pay Later?
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Get more time to pay
Pay at your pace for fashion, travel, dining, entertainment and so much more with Mintpay.
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Pay Later, however you want, wherever you want.
Shop online & in-store and split your bills via the app or through your web browser in a breeze.
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Next Payment Notification
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Never miss a payment.
Manage and track due payments with the Mintpay app. Your due payments will be deducted automatically from your linked payment method.
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No interest. No fees.

Mintpay's Pay Later is an alternative to credit cards and gives you the flexibility to shop what you want, when you want, without breaking the bank. When you split the cost of your purchase into 3 instalments with Mintpay, you'll never pay any interest or additional fees. Period.

Featured stores
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ODEL
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Cinnamon WILD Yala
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Carnage
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Arienti
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SPA CEYLON
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COOL PLANET
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my softlogic
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adidas
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Stay on top of your budget.
With the Mintpay app, you can:
Pay online and in-store
Manage your payments
View all your purchases
Get the app

Frequently Asked Questions

What is Pay Later?
Split your bill in 3 installments with your debit or credit card and pay at your pace with the 'Pay Later' feature.
What is a split limit?
The split limit refers to the maximum credit approved by Mintpay for your 'Pay Later' purchases. This excludes your first installment as you pay this at the point of purchase.
How to increase my split limit?
  • The initial split limit for first-time customers may start small and increase based on your repayment behavior.
  • The longer you transact with Mintpay and make timely repayments, the higher your split limit will be.
  • If you wish to increase your split limit sooner, you can pay off the installments ahead of time.
  • Increase in the split limit may also be determined by the order amount. Therefore, if you purchase an item with a higher value than your Mintpay approved limit, your subsequent split limit will increase in proportion to this order amount once you have completed all 3 installments.
How are the due payments charged?
Payments are automatically charged to your linked card on the set due dates.
Do I have to pay Interest for using Pay Later?
No, we do not charge any interest or extra fees for using our platform.
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