We started BaadMay with one simple idea: the right purchase at the right time shouldn't depend on whether you have the full amount in your wallet today.
In a country where fewer than 3% of adults hold a credit card, most people are locked out of flexible payments entirely. That means delaying necessary purchases, paying more for essential goods, or turning to informal lenders with punishing terms.
BaadMay exists to change that. We've built a Buy Now, Pay Later product specifically for Pakistan — one that works with local banks, mobile wallets, and merchants — so that any honest shopper can spread a purchase across three 100% Shariah Compliant installments, instantly, without paperwork.
We're not a bank. We're not trying to be. We're a technology company that believes access to small, responsible credit is a fundamental building block of a modern economy. Every brand we partner with, every customer we approve, and every installment we collect brings us a little closer to that vision.
Simple in design · Fairness built-in · Reliability everyday
Know exactly what you'll pay, before you commit. Simple in design — every fee, every date, every amount shown upfront with no surprises.
Made to be accessible, fair, and built around real needs. Fairness is built-in — we design products that help you succeed and we celebrate when you do.
More flexibility, so your budget goes further. Reliability everyday — every approval is a responsibility and we take it seriously, every single time.
A few founders. A lot of late nights. And a belief that the way Pakistan paid for things had to change.
BaadMay is founded in Karachi with the goal of bringing modern, 100% Shariah Compliant BNPL to Pakistan's consumers. First prototype built in three months.
Launched native iOS and Android apps, giving customers full control over installments, spending limits, and brand discovery. Reached our first 10,000 customers.
Shipped one-click Shopify integration and released developer API for custom stores. Partner network grew to 200+ brands across Pakistan.
Expanded our customer base to more than 30,000+ customers with purchases. Expanded to in-store point-of-sale in major cities across Pakistan.
Explored new avenues across multiple verticals, including home, travel and much more. Crossed 89,000+ active users and Rs. 2.17 billion processed to date.
We're building the next generation of flexible, transparent financial products for Pakistan — one honest installment at a time.