Buy now, pay later
Access instant credit with your QvaPay balance. No credit cards, no paperwork, no hassle. Split your purchases into installments and keep your cash flow healthy.
Everything you need to know about BNPL
A modern, flexible way to access credit, designed for the digital world.
Get your credit line in seconds. No paperwork, no waiting. Just verify your identity and start buying.
Split your purchases into interest-free monthly installments. Choose the term that best fits your budget.
No traditional credit card needed. Use your QvaPay balance as backing and access immediate credit.
Every transaction is protected with bank-grade encryption and two-factor authentication.
Every on-time payment improves your QvaPay credit score, increasing your available credit limit.
Manage your payments from your dashboard. View pending installments, upcoming due dates and your full history.
How does BNPL work?
In just 4 steps you can start buying now and paying later.
Request your credit line from your QvaPay account. Approval is instant, based on your history and balance.
Buy products or services from affiliated businesses or our marketplace. Select BNPL as your payment method.
Pick how many installments to split your purchase into: 3, 6 or 12 months. Interest-free on 3-month plans.
Payments are automatically deducted from your QvaPay balance each month. No surprises, no hidden charges.
What can you use BNPL for?
Get equipment, appliances or tech without hurting your monthly cash flow.
Cover unexpected expenses without touching your savings. Pay comfortably in installments.
Invest in your business without draining your capital. Buy inventory, equipment or services.
BNPL in numbers
Thousands of users already enjoy the flexibility of buying now and paying later with QvaPay.
+3.0M
Speed and security in every transaction.
$100M
Transaction volume processed through direct payments.
+1.1M
Transactions completed on P2P between traders.
Create your QvaPay account and access your BNPL credit line in minutes. No paperwork, no waiting.
Everything you need to know about BNPL on QvaPay.
Buy Now Pay Later (BNPL) is a credit service that lets you buy products or services now and pay for them in monthly installments, with no traditional credit card required.
From your QvaPay account, go to the BNPL section and request your credit line. Approval is instant and based on your transaction history and available balance.
3-month plans are interest-free. 6 and 12-month plans carry a competitive interest rate that is clearly shown before you confirm your purchase.
If you don't have enough balance on the payment date, a late fee applies. We recommend always keeping enough balance or making early payments.
Yes, you can pay off your debt in full or partially at any time with no penalty. Interest is calculated only on the time used.
Your credit limit is calculated based on your transaction history, average balance and QvaPay credit score. It grows with responsible use.