How do Payments work?

Which cards does Payter accept?

We accept all major debit and credit cards. If you use your card with us you will still be subject to your card issuer’s terms and conditions including any applicable finance charges and fees that may apply.

How can I pay?

The most convenient is our automatic payment system. Just go online and enter the details of your preferred payment card under ‘Add a payment method’ in the ‘My Account’ section.

When you have an installment due, we will notify you beforehand so that you can make sure that there is enough in your account for that installment. We do the rest.

Alternatively, you can always make payments on time or early by selecting the PAY NOW button in your account. You can then enter your card details manually. If you want to make this your preferred payment method, select "Store my card", otherwise make sure to untick this option before logging out.

What happens if I can’t make the payment?

Payter is committed to making sure you stick to your payment plan. That’s why we consider every purchase application before we approve that purchase and that’s why we are sending you reminders when a payment is almost due.

As soon as you miss a payment, we will stop you from making any further purchases with Payter. A late fee is charged when an installment for an order is not paid by the due date. We will only charge one late fee per installment.

If you're worried you won't be able to make a payment, give us a call ASAP and we'll try and sort something out.

Why have I been charged a late fee?

You have been charged a late fee because you did not make one of your scheduled payments. You can make this payment by logging in to your account.

We want to get you back on track as soon as possible and we certainly don't want you getting into further financial stress. That's why if you have an overdue payment, we won't let you buy anything else with us until your account is brought up-to-date.

Managing Orders

How many orders can I have with Payter?

Payter promotes responsible spending because anything else is bad for you, bad for our merchant partners and bad for Payter. As we learn more about each other we can work together to help you plan, buy and pay for more of things you need.

But at the start you will only be allowed to have one order approved and your spending limit will be tailored to your history with Payter. This way you stay in control of your money and we can make sure that you really commit to our community of responsible spenders.

The longer you are with us, spending responsibly and making your payments on time, your spending limits will likely increase and you will hopefully be able to carry more orders t one time.

What to do if my orders hasn’t arrived yet?

If you are waiting for delivery of goods and it is taking longer than you expected or you have received your order with items missing/ damaged you need to get in touch with the store directly. Payter is not able to amend, adjust or change an order once it is approved.

Why is my order being declined?

Please note: Payter does not approve 100% orders. We are committed to ensuring we support responsible spending.

Things to consider:

  • Are there sufficient funds on your card (generally we look to see the first installment amount of the order value available to spend on the card you are using)
  • Length of time you have been using Payter (tighter in the first 2 Months)
  • Amount you have to repay, it may help to pay some off (not a guarantee)
  • The value of the order you are trying to place, it may help to reduce the value of your shopping cart (not a guarantee)
  • The number of orders you currently have 'open' with us (not a guarantee)

How much can I spend with Payter?

If you have recently joined Payter, spending limits will generally be smaller. However, the longer you are with us, making repayments on time, your spending limits may increase.

Remember, you will need to have enough money to pay the first installment.

We are committed to making sure our community supports responsible spending. So, while you may not know exactly how much you can spend with Payter at any one time, this system is vital to help you stay in control of your money and avoid missed payments wherever possible.

Getting Started with Payter

Who can use Payter?

Installments by Payter is Payment service offered by online retailers for shoppers who:

  • Are a resident of Pakistan
  • Are atleast 18 years of age
  • Are capable of a legally binding contract
  • Have a valid and verifiable email address and mobile number
  • Be authorized to use the issued credit or debit card to make the purchase
  • Provide a valid delivery address in Pakistan

Where can I use Payter?

Installments by Payter will soon be offered by many online retailers across the Country.

If you would like to see installments by Payter on your favorite online store, please let us know by sending us an email and we will get it sorted.

Is there a cost to using Payter?

Payter Installments ins a free service offered by retailers to shoppers. There are no upfront fees any interest charged.

The only fees that may be incurred by shoppers are late fees if your scheduled payments are unsuccessfully processed.

When will my first payment be charged?

You will more than likely pay the first installment of the purchase price at the time you place the order.

Contacting Payter

Can I send you guys a message?

Absolutely! Just click on the Get In Touch button to get in touch with us now.