Who is eligible to use MISPay?

You must be 18 years or older with a valid Saudi ID and a good credit standing. Approval is instant and done entirely in-app.

Why might my application be declined?

Declines can happen due to credit score factors, incomplete profile information, or missing verification details. You can re-apply after updating your profile.

Where can I use MISPay?

MISPay is accepted at 4,000+ partner stores across Saudi Arabia — online, in the app, and in physical retail locations.

Is MISPay Shariah-compliant?

Yes, 100%. MISPay operates with zero interest and zero late fees, fully adhering to Islamic finance principles.

Flexible
payments, made simple

Split your payments with MISPay—4 interest-free installments or up to 12 monthly plans, online or in-store.

Shop your way, pay with ease

Enjoy the freedom to split your payments the way that fits your lifestyle—interest-free or over time with MISPay.

Flexible payments

Split your purchase into 4 interest-free or up to 12 monthly payments.

Shop securely

Your payments and data are safe and secure with MISPay at every step.

Smooth checkout

Pay with MISPay and check out quickly, online or in-store.

How does MISPay work?

Find what you love and pay your way. With MISPay, you're in control of how you want to pay every time you shop.

Find your favourite brands

Shop your favourites or discover new brands on the MISPay app that let you get the most out of shopping.

Choose MISPay at checkout

Add what you want to your cart and choose MISPay at checkout. Sign up, link any card and get approved instantly.

Pay over time

Choose 4 interest-free payments or up to 12 monthly payments. Make your first payment and we'll remind you about the rest.

Ways to pay with MISPay

Find great deals in the app, shop what you love, and choose a flexible payment option that works for you.

Pay in 4 interest-free payments

Split your purchase into 4 equal, interest-free payments—starting at checkout, with the rest automatically charged every two weeks. No fees, no surprises.