Yango Pakistan, part of global technology company Yango Group, has launched Pay Later, a new fintech service aimed at giving customers greater flexibility when making online purchases while providing merchants with another channel to attract shoppers and increase sales. The service allows eligible customers to divide their purchases into equal payments made at two-week intervals. The launch represents Yango Pakistan’s first fintech offering in the country and expands the company’s existing digital ecosystem into financial technology services.
Pay Later is initially being introduced as a pilot programme through the websites of selected partner merchants. Customers purchasing eligible products can choose to divide the cost into equal payments rather than paying the full amount at once. Participating merchants can also be accessed through the Shop section of the Yango SuperApp, creating an additional route for customers to discover businesses offering the service. The pilot will allow Yango’s team to work directly with merchants and customers while assessing how the solution performs in the Pakistani market.
The service has launched with a number of local merchants, including Habitt, Sana Safinaz, Bagallery, Ego, Walkeaze and Scent N Secrets, along with other participating businesses. Yango Pakistan plans to expand the merchant network to more than 100 major online retailers by the end of the year. The planned expansion will cover sectors including fashion, beauty, home goods and electronics, giving the service a broader presence across Pakistan’s online retail market. During the pilot phase, the company will gather feedback from participating businesses and customers and use that information to refine the product before pursuing wider expansion.
The Pay Later model has also undergone a Sharia review by Dr. Muhammad Imran Ashraf Usmani of Usmani & Co. Shariah Advisors (Pvt.) Ltd. According to the assessment provided for the service, its structure and operating principles comply with Sharia requirements. Yango said Sharia principles were incorporated into the design of the product from the beginning, positioning the service as a fintech option for customers and merchants seeking a payment model structured around Islamic finance principles.
Miral Sharif, Country Head of Yango Pakistan, said partnerships are central to the company’s ecosystem and that Yango works with local companies across its services to develop solutions that support business growth and provide additional value to customers. She said Pay Later extends this partnership approach into fintech and described financial technology as an important enabler of business growth. According to Sharif, the service is intended to help merchants reach new customer groups while contributing to the development of Pakistan’s digital economy.
Ali Hussain, Head of Sales at Yango Fintech in Pakistan, said Pay Later provides merchants with another option for making purchases more accessible to customers and supporting conversion at checkout. He highlighted that the product was developed specifically for the Pakistani market, with Sharia principles incorporated into its structure from the outset. The company expects the service to give participating retailers another mechanism for engaging customers while providing shoppers with the option to spread eligible purchase payments over time.
Yango Group entered Pakistan in 2023 with the launch of its ride-hailing service and has since expanded its local operations across several areas. Its offerings now include Delivery and Cargo, Ads, Transport and B2B services, alongside its ride-hailing business. These services have developed into a broader digital ecosystem connecting consumers and businesses with different technology-enabled solutions. With the launch of Pay Later, Yango Pakistan is extending that ecosystem into fintech and testing a Sharia-compliant payment model through a network of online merchants.
The initial pilot will be an important stage for evaluating the service’s performance among Pakistani consumers and businesses. Yango Pakistan intends to use the experience gained during the pilot to refine Pay Later and assess its broader market impact before expanding the service. The planned addition of more than 100 online retailers by the end of the year would extend the service across several major e-commerce categories, while the Sharia review provides the operating framework under which the fintech offering has been introduced.
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