Grab It Today, Split It over 3 Months with JazzCash ‘Buy Now, Pay Later’!
Shop your favorites from stores or online and pay later in easy installments. Convenience and flexibility, all in one!
JazzCash’s Buy Now, Pay Later enables you to shop at our partner brands’ physical stores or online platforms and conveniently pay in monthly installments. The full list of partner brands is available on our website. Currently, purchases are split into three monthly installments, with the first installment deducted from your wallet at the time of purchase.
You can access JazzCash’s Buy Now, Pay Later feature through three channels:
The total purchase price (including multiple products, if applicable) is divided into three equal monthly installments:
1st Installment: Deducted from your JazzCash wallet at the time of purchase.
2nd Installment: Deducted 30 days after the purchase date.
3rd Installment: Deducted 60 days after the purchase date.
A 15% service charge is applied to the total purchase amount for the Buy Now, Pay Later service.
To use JazzCash’s Buy Now, Pay Later service, customers must meet the following requirements:
To check your eligibility, log in to the JazzCash app and select the Buy Now, Pay Later icon. Within the Buy Now, Pay Later section, press the “Check Eligibility” button available on the home screen. You will then see your eligibility status along with your spending limit.
Credit scoring is a system-generated score assigned to customers based on their transaction history on the JazzCash app. This score helps determine the credit limit available to each customer, ensuring a tailored and responsible lending experience.
You can enhance your credit score by regularly using the JazzCash App for various transactions, such as:
The Spending Limit refers to the maximum amount a customer can spend using JazzCash’s Buy Now, Pay Later service. It ranges from Rs. 100 to Rs. 20,000 and varies for each customer based on their credit score.
The minimum spending limit is Rs. 100, and the maximum spending limit is Rs. 20,000.
If you do not see the option to pay via Buy Now, Pay Later after scanning the QR code in a store, it indicates that you are currently ineligible due to a lower credit score. To become eligible, you can improve your credit score by conducting more transactions through JazzCash.
If you meet the eligibility criteria but cannot complete the transaction, please ensure your wallet has sufficient funds to cover the first installment. A minimum balance equal to the first installment amount is required to proceed with the purchase.
Yes, JazzCash’s Buy Now, Pay Later service is available for both online and in-store purchases. To confirm acceptance, please check with the specific retail store or visit this website to view the list of partner brands offering Buy Now, Pay Later service.
There are several possible reasons for unsuccessful transactions with JazzCash’s Buy Now, Pay Later service:
You can repay your loan through two convenient channels:
1. JazzCash App
2. JazzCash USSD (786#)
Your repayment will be processed immediately, and you will receive an SMS confirmation upon successful completion.
As per JazzCash’s Buy Now, Pay Later policy, a missed payment may incur a late fee of 10% on the principal amount of the overdue installment.
Failure to repay your Buy Now, Pay Later (BNPL) loan may result in late fees, a reduced spending limit, and potential restrictions on your JazzCash account. Additionally, non-payment will be reported to credit bureaus, which could negatively impact your credit score and affect your ability to access loans or other financial services in the future.
At this time, refunds or returns are not available for purchases made using the Buy Now, Pay Later service.
In case of a faulty product, please contact the respective brand directly. JazzCash acts solely as a payment partner and is not involved in the product’s delivery or quality assurance.
Yes, JazzCash employs advanced encryption technologies and adheres to industry-leading security standards to ensure the safety and confidentiality of your personal and financial information.
Yes, you can pay off your Buy Now, Pay Later balance early with no penalties. Early repayment allows you to regain your spending limit, enabling you to make additional purchases through the Buy Now, Pay Later service.
Auto Deduction is a feature that ensures timely payment of your remaining installments. If you do not manually pay your due installments by the due date, JazzCash will automatically deduct the payable amount from your wallet after the due date has passed. You will receive an SMS notification confirming the transaction.
You can purchase multiple products, as long as the total amount remains within your assigned spending limit. You can check your spending limit anytime in the JazzCash app by navigating to the Buy Now, Pay Later section.
Currently, you can only have one active Buy Now, Pay Later transaction at a time. If you’ve made a purchase from one brand, you must complete the repayment through the JazzCash App before initiating another transaction with a different brand.
If your order has not been delivered, please reach out directly to the brand you placed the order with. JazzCash is responsible solely for payment-related matters and does not handle order delivery.
If you have a question that is not answered here, please contact JazzCash Helpline on 4444 from your Jazz number or 021-111-124-444 from any other number for further assistance.
By choosing to use the JazzCash Buy Now, Pay Later (“BNPL”) the (“SERVICE”) offered by Mobilink Microfinance Bank Limited (“MMBL/Service provider/Loan Provider/Bank”), you agree to establish a direct contractual relationship with the Service/Loan Provider as a customer/borrower and you further agree to be bound by the Service Provider’s terms and conditions of use of the SERVICE and undertake to repay the BNPL service fee along with all due charges on the agreed date and time in accordance with these terms and conditions of use of the SERVICE.
Buy Now, Pay Later is an installment plan that allows you to make purchase and spread the cost over 3 easy monthly installments.
By opting for the BNPL Service, you agree to be bound by these Terms of Use. You should read these terms in full, as well as the JazzCash Privacy Policy before proceeding.
1. APPLY FOR JAZZCASH BUY NOW, PAY LATER:
1.1. You should have a JazzCash mobile account (“JazzCash Account”) with MMBL.
1.2. Your JazzCash Account has active usage.
1.3. When you apply for BNPL during purchase of product, you instruct, consent to, and authorize the Bank to consider your BNPL credit service.
1.4. To provide you with the best user experience consistent with the Bank’s policy of being customer obsessed we must establish your relevant customer profile which would include access to relevant personal information, mobile account, and subscription information.
By accepting the terms and conditions you consent that the BNPL Service will grant the Bank authority to access and process the above-stated requirements for the purposes of offering best products and services.
1.5. You will be required to pay 1st installment of the product’s purchase price upfront and repay the remaining amount in 2 further installments per month
1.6. Once your BNPL request is approved, the product will be purchased from the merchant upon full payment on your behalf and an SMS confirmation will be sent.
1.7. The Bank shall not be required to provide reasons to you for declining or approving your application for BNPL credit.
If your application is approved, you shall be sent an SMS confirming:
1.9. Once the product is purchased through BNPL Service from the merchant’s website/ retail outlet, the Bank will not be responsible for any late, lost, undelivered or faulty product.
1.10. Refunds & Returns are not allowed. Only exchanges are allowed as per the brand’s policy & to be catered by the brand.
1.11. These terms and conditions may change over time, in the sole discretion of the Bank, and will be available on the JazzCash website. Therefore, whenever you are requesting for BNPL Service you must review these terms before you apply for purchase of products through BNPL Service.
2. REPAYMENT OF THE LOAN
2.1. You can repay your loan using your JazzCash mobile app or USSD at any time on or before the due date, by selecting the “Repayment” option.
2.2. You authorize MMBL to process an automatic deduction of the repayment amount of the outstanding BNPL installment amount from your mobile account after the due date, automatic deduction can be processed one or more times until repayment of the outstanding balance plus applicable fees has been made in full. Further, it is hereby agreed and acknowledged by you that, in case you change or have changed the JazzCash Mobile account number with or without informing MMBL of such change, MMBL shall be at liberty to cause automatic deduction from your current active mobile account without there being any objection by you and upon exercising such right of deduction, MMBL shall always stand indemnified from any claim whatsoever by you.
2.3. After eight (08) weeks since loan disbursement, there will be no further fee applied to the outstanding BNPL credit amount.
2.4. You authorize the Bank that notifications/alerts regarding the BNPL Service may be sent to you.
3. CUSTOMER DEFAULT
3.1. You will be deemed a defaulter if you fail to pay the original BNPL amount along with its applicable fee and any associated fee within the stipulated time period.
3.2. Default customer data will be reported to the Credit Bureau (eCIB) service of the State Bank of Pakistan and may remain in the eCIB system for a period of two years. In addition to eCIB reporting, default customer data may also be reported to other licensed private credit bureaus. In case of any financial relief provided to you by the Bank in the form of write-off / reversal of markup, the same shall be reported to eCIB /SBP. Default customers can be blacklisted from availing JazzCash BNPL Service again in the future.
DISCLOSURE OF INFORMATION
5.1. You provide your consent and authorization to MMBL, JazzCash, Jazz Mobile subscription, Jazz (PMCL), and its associated companies where your relevant information was extracted during your loan application to share that relevant data with:
5.1.1. Any national law enforcement, regulatory, or government body/agency in the assistance in any investigation, prosecution of criminal activities, fraud, prevention, and detection of any such activities
5.1.2. Service providers, dealers, agents, an associated company of the Bank or any Third-Party entity associated directly with the Bank for reasonable commercial purposes which can include disbursement of the credit amount, its regulation, collection, marketing of products, etc. The data provided by you shall be used in accordance with the JazzCash privacy policy available at the JazzCash website.
5.2. The Bank is authorized to make such disclosures in respect of the Account and Services as may be required by any court order or competent authority or agency under the provisions or applicable laws and/or otherwise to safeguard the interests of the Bank.
5.3. Service providers and any other associate company of the Bank for reasonable commercial purposes
5.4. Default customer data will be reported to the Credit Bureau of Pakistan or such private credit bureaus of which the Bank is a member in accordance with applicable laws.
INDEMNIFICATION
You agree to indemnify us in respect of any liability incurred by us (including but not limited to under tort, statute, equity or contract) for any loss, cost, damage, or expense we suffer as a result of your negligent, fraudulent or wrongful acts or omissions, or your breach of these Terms of Use, but only in the proportion that represents the extent to which the loss, cost, damage or expense was caused by your negligent, fraudulent or wrongful acts or omissions.
DISCLAIMER OF WARRANTIES
Your use of the BNPL Service is at your sole risk. The BNPL Service is provided on an “as is” and “as available” basis. To the maximum extent permitted by law, we expressly disclaim all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability and non-infringement, except we do not disclaim liability to the extent it is caused by our negligent or wrongful act or omission.
ASSIGNMENT
If you choose and are approved for a BNPL Service, JazzCash may assign its rights and obligations under this agreement in respect of the debt, to any affiliate and such assignment does not require your consent. MMBL may also transfer, or assign, our rights and obligations under this agreement without your consent.
In doing so, you consent to us giving any information (including documents) about you to the assignee/transferee or to anyone who is considering becoming the assignee/transferee. You also authorize us to novate our obligations under this agreement to the assignee/transferee, where applicable. You cannot transfer or assign your rights under this agreement without our written consent.
CHOICE OF LAW
These T&Cs will be governed by the laws of Islamic Republic of Pakistan
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