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Getting started with mintpay

Mintpay is Sri Lanka's first 'buy now, pay later' payment platform, built to enable responsible consumerism. Mintpay allows you to spread the cost of your online purchase into 3, interest-free installments using debit or credit card. You are always rewarded for good repayment behaviour with an increased split limit.

We are a brand committed to the transformation of the traditional digital transaction ecosystem for the betterment of businesses, new consumers with purchasing power and the economy as a whole.

Our vision is to become the trusted partner for businesses and consumers in search of interest free and flexible payment solutions in the region and ultimately the world.

Simply shop at any of your favourite stores found in the Shop Directory and select Mintpay as your payment method at checkout. New customers will need to create a Mintpay account (with instant approval decision) and returning customers will simply log in to make their purchase. Just pay 1/3rd of the cost now, and the rest equally over 60 days!

At any time, you can log in to your Mintpay account to see your payment schedule and make a payment before the due date. Otherwise we will automatically take the money from your debit or credit card on your payment due dates.

You can use Mintpay at any of our partner merchant’s stores listed on the Store Directory.

You can either purchase in-store or online depending on the merchant.

First-time users will be required to create a Mintpay account, with an instant approval decision.

For online purchases:

  • Visit any of Mintpay partner merchant’s web store and add your favourite items to your shopping cart and checkout as per usual.
  • At the checkout, select Mintpay as the payment option. There are no mark-ups or processing fees. You only pay what you see.
  • You will then be redirected to Mintpay payment gateway to complete your order.

For in-store purchases:

  • Select your favourite items at the store, and at the checkout, inform the cashier you wish to pay through Mintpay.
  • The cashier will request you for your phone number to which the Mintpay payment link will be received in the form of an SMS.
  • Click on the payment link and you will be prompted to log into your Mintpay account or automatically redirected to your Mintpay app to complete the payment.

At Mintpay we love helping our customers plan, buy and pay for goods that they need without losing control of their money. You have the flexibility to use any card (debit or credit) from any Sri Lankan registered bank. There are no interest fees, no hidden fees and no processing fees. You pay only what you see.

Mintpay is eligible to anyone who:

  • Is of Sri Lankan nationality.
  • Is at least 18 years old.
  • Has a valid Sri Lankan National Identity Card (NIC) or Driver's Licence, or Passport.
  • Has a valid and verifiable email address and mobile number.
  • Is authorised to use a Sri Lankan issued debit or credit card to make a purchase.

  • Enter your mobile number and complete the verification using the 6 digit code.
  • Fill in your personal details including name, NIC, and date of birth.
  • Fill in your address and province.
  • Fill in your email and password.
  • Complete your verification by taking a selfie and uploading both sides of your NIC.
Payments and charges

Mintpay is a free service provided that you pay on time - there are no hidden fees, nor interest charges.

The only fees that may be incurred are late fees if your scheduled payments are unsuccessfully processed and, after being notified, you do not log in to your Mintpay account to make your payment via a different method.

We do everything we can for you to avoid late fees, including sending reminders leading up to the payment due date.

No, we will never charge you any interest. The only fees are for late payments. We will send you an email when your payments are due so there aren't any surprises.

When you place an order through Mintpay, you will be required to add a debit or credit card. Your installment amount will be automatically deducted from your respective debit or credit card on the due dates.

The split limit refers to the maximum credit approved by Mintpay. This excludes your first installment as you pay this at the point of purchase.

The initial split limit for first time customers may start small and increase based on your repayment behaviour.

Yes, you can, if you don’t have any pending installments with Mintpay you can purchase above your Mintpay approved limit where your first installment will be higher than the subsequent installments.

Mintpay will show you how the installments are split before you can confirm your order.

The longer you have been transacting with Mintpay and making payments on time, 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 split limit may also be determined by the order amount. Therefore, if you have purchased above your Mintpay approved limit, your subsequent split limit will increase in proportion to this order amount once you have completed all 3 installments.

Any card issued by a Sri Lankan bank, and is within the Visa or Mastercard network can be used.

Mintpay is committed to making sure you stick to your repayment plan. We will send you reminders closer to your payment due dates.

However, if you do miss a payment, we will immediately stop you from making any further purchases through Mintpay, and you will incur a late fee of Rs 500/- if you don’t make the payment within the installment due date.

Your account will be suspended if you miss your payments and this will also result in lower split limit.

At Mintpay, we promote responsible spending. Hence we will do our best to remind you of the payments due. If you are facing any difficulties you can reach out to our team via email at to discuss your options.

We charge our partner merchants a fee for every transaction processed using Mintpay.

Payment schedule

  • The first installment is paid at the point of purchase.
  • The second installment is due in the following month on the same date.
  • The third installment will be due in 2 months on the same date.
  • You can log in to your Mintpay account to check the exact due date.

At Mintpay we are committed to high standards we set to encourage responsible spending. As such, we will be sending you constant reminders when a payment is due, so you don't incur any late fees.

Managing orders

Mintpay aids you to have better control over your finance. However, the delivery and quality of the goods and services you buy is always the responsibility of the retailer. This means that you need to get in touch with the retailer if a delivery is taking longer or something is missing or damaged. This also means that once an order is approved, only the retailer can change the order.

Refund policy is purely based on the respective merchant. If a merchant agrees for a refund, they are required to initiate the refund through their Mintpay merchant portal.

Once they initiate it, you will receive an automated email from Mintpay stating that the refund has been initiated. And your following installments attached to the particular purchase will be automatically cancelled.

The process takes approximately 10-15 business days, depending on your banking partner.