BaadMay is a simple interest-free payment platform that allows you to pay for anything in three monthly installments. You purchase now and keep paying later. We host all leading Pakistani brands so simplify your shopping sprees and shop for all essentials via BaadMay.

Online

• Login or Create a BaadMay account in a few simple steps:
• Download the BaadMay app on your device and log in if you already have an account with BaadMay
• If you are new to BaadMay:
• Add and verify your phone number
• Add your full name and CNIC
• Set-up and confirm your T-pin
• Add your Debit/Card to your BaadMay Wallet
• Browse our partner brands through BaadMay’s in-app browser or select BaadMay as your preferred payment option at the checkout on our partner store sites
• Verify your payment. Your first installment is paid instantly, the rest are set at auto-payment and you are good to go! Keep shopping with BaadMay!

In-store

• Let the cashier know you would like to pay via BaadMay and they will send a request for approval. You will receive a notification on your mobile device.
• Verify your payment via the BaadMay app
• Cashier receives your approval and the transaction is completed
• Your first installment is paid instantly, the rest are set at auto-payment and you are good to go! Keep shopping with BaadMay!

Currently, BaadMay is an invite-only service limited to our exclusive customers. Under certain circumstances, BaadMay reserves the right to deny service to a consumer. But there is no eligibility criteria, except for receiving an invite from one of our existing customers. So ask around 👀 do any of your friends use BaadMay!?

Log in to your account on the BaadMay app and visit the Settings corner to view your profile details and edit or update any necessary information. If you are unable to update anything yourself, contact Customer Care and let us know how we may be able to help you.

Log in to your account on the BaadMay app and visit the Settings corner to view the payment options added to your BaadMay Wallet and change/update them. If you encounter a problem, try again after a while or contact Customer Care for more support.

In the Settings corner on your BaadMay app, visit the Notifications area to change settings for your device. You can also select your preferences for text alerts and emails from BaadMay in this menu.

When you use BaadMay to purchase eligible goods from a Merchant connected with Our Service, BaadMay’s Buyer Protection Policy provides you with the assurance that you reserve the right to contest disputes against any purchases made, given the product(s) ordered:

• do not arrive
• differ from those received, or
• goods received are defective, damaged, or incomplete at the time of delivery, or do not match the Merchant’s description of the product at the time of purchase

Please note that these conditions only apply on BaadMay’s end for any disputes filed. All disputes are to be filed with the Merchant and if in relation to any product sold by the Merchant, there is any contradictory clause, the Merchant’s product policies will override those of BaadMay.
In case of defective goods or those that do not meet the requirements stated by the Merchant, take note that this Policy does not apply if the goods you receive are accurately described by the Merchant but your expectations differ from the product received.
BaadMay’s Buyer Protection Program outlines the spectrum of coverage under which if you contest a dispute with the Merchant, and are entitled to receive an exchange or refund, BaadMay will be responsible to provide its associated services, to the extent defined by the Merchant on a case by case basis. It is to be noted that discussions and decisions rest between the Merchant and Buyer only, results communicated by the Merchant to BaadMay will be taken as the basis for any required action on our end.
Eligible purchases include only physical products sold by authorized BaadMay Merchants. This Policy does not cover the following ineligible areas of purchase

• Digital or downloadable goods
• Customized or personalized products
• Cash-equivalents events, vouchers, or travel services
• Unlawful or illegal item
• Items that violate our ethics code

With reference to any claims filed by you to the Merchant, if your Merchant updates your order it will be automatically reflected in our systems and updated on your Consumer Account, information accessible via the BaadMay app. For all product issues and concerns, you must contact the Merchant to resolve the problem.
All further policies regarding are a claim filed must meet those defined by the Merchant and you should refer to their relevant policies for the procedure, process, and requirement details.
Until decisions regarding disputes are settled, you will be charged by BaadMay for any due installments. However, if the Merchant acknowledges the claim and takes action accordingly, BaadMay will comply as instructed. If this includes monetary refund, your installments will be reverted by BaadMay. However, if disputes are to be settled through any other means including but not limited to Merchant wallet credit, vouchers, or replacements, BaadMay plays no role there, Merchant will clear all settlements itself.

Once you have made a purchase, all future payments are set to auto-pay, so you do not need to worry about your remaining installments. In case of any errors with your payments due, you will be alerted by the app and can contact Customer Care for more info.

Once you add cards to your BaadMay wallet for every purchase you make the first installment is paid immediately. The rest of them are set on autopay. Unless your card on file has any issues, all future payments are made monthly.

Navigate to the Purchases tab to look up Payment details and Purchase history.

If you are unable to clear your payments timely, you can contact Customer Care for assistance before your payment is due. If the date has passed, you will not be able to make any further transactions via BaadMay until the previous balance is cleared. You will have to contact Customer Care for more assistance.

BaadMay collects no extra or service charges from its consumers. The bill generated by the retailer is simply split into equal installments. Consumers may view the invoice generated from the retailer to see details of their transaction. If the consumer has any concerns regarding a transaction, preferably reach out to the specific retailer with a screenshot of your invoice. BaadMay Customer Care will also support our customers to the best of our abilities.

Your transaction may be declined by your bank. In that case, reach out to your bank to ensure your card is not blocked for transactions or your transaction is not exceeding the dedicated online payment limit set for it. If the issue persists, we encourage you to wait for a few hours and try again. If neither of the options gives a positive result, please reach out to our Customer Care for further support.

Capture images of any proof of the double transaction and report your issue to BaadMay. Most likely, your bank or the BaadMay team will automatically revert the extra charged amount to you in a few hours. However, it is always best to report your concern to Customer Care. It is our priority to ensure our customers have a smooth shopping experience.

Capture an image of the double transaction, and if you are charged twice, submit proof of that too to Customer Care. If you have not been charged twice, it may just be a technical glitch and will be resolved automatically.

Your purchase limit is visible on your home screen, also accessible through the Purchases tab.

Every time you pay an installment we increase your BaadMay purchase limit for you.

There may be holds on your account. Or an error reported with your card on file. Submit a report to Customer Care for direct assistance with your case.

You may be facing delays from your bank, or the information entered may be inaccurate. Try re-entering your details after a while. If the issue persists, contact your bank to identify issues with your account. If the matter is not resolved on their end, feel free to request support from BaadMay Customer Care.

To cancel an order, you will have to contact the retailer directly. Once they cancel your order, it will be automatically reported to BaadMay, and any transaction made will be reverted in a few days, considering standard banking procedures.

There may be holds on your account. Or an error reported with your card on file. Submit a report to Customer Care for direct assistance with your case.

It may take a while for our data to update, after which any transaction carried out will be reverted. Give the system a few days to clear both, and then your due payments shall be cleared accordingly. However, if the issue persists report the problem with screenshots to Customer Care.

Delivery tracking should be available through our partner brands. Log in to your account on their website or contact them directly with your order number to get details.

All refunds are processed via BaadMay once you cancel your order with the retailer and it is approved by them. Unfortunately, if there is a dispute and your next payment is due, BaadMay still requires you to complete the payment. As soon as the retailer processes your cancellation or refund, it will be reported to BaadMay directly and the total amount you have paid will be reverted accordingly.

All returns and refund requests will have to be submitted directly to the retailer and will be processed by them. If the retailer marks out a monetary refund, it will be reported to BaadMay and your transactions will be reverted automatically. Unfortunately, if the retailer does not process monetary refunds and returns them as shopping points, credits to your brand wallet, or a coupon, BaadMay will not be able to revert your transactions and the acceptable alternative will be provided by the retailer directly only.

BaadMay actively and continuously monitors and works to prevent, identify, and mitigate any fraudulent activity, to create a safe and secure environment for its Customers. We are dedicated to Consumer protection goals through thorough and regular identity and authentication checks. However, if you suspect that you have been a victim of any fraudulent activity, contact Customer Support immediately for further assistance. Please note this policy applies to fraudulent transactions and not issues and concerns with reference to purchased products. In that case, please review the policies of BaadMay’s Buyer Protection Program. When you contact Customer Support, please keep with you as much information about the order as possible on hand, including but not limited to, retailer name, date of purchase, order number, description of the goods, payment method used, and/or the date when the purchase first appeared on your card or bank statement.
The Fraud Protection Policy is not applicable where you:

• Are actively involved in committing the fraud that has taken place.
• Have not taken reasonable steps to protect your BaadMay account or your personal information, thus in any way enabling the fraud to take place.
• Refuse to assist BaadMay in investigating the fraud, this includes refusing to provide further relevant information or documentation as requested.
• Have attempted to abuse the Fraud Protection Policy

These conditions may be updated from time to time to protect against abuse, help prevent and prosecute fraud or align with any associated requirements and guidelines issued by regulators or enforcement authorities. If upon receiving your requests, required investigations carried out confirm you have been a victim of fraudulent activity and negligence was not exhibited on your part, BaadMay will refund the amount charged for the unauthorized purchases.
Outlined below are some steps you may take to protect yourself against fraud:

• Keep your card information secure while entering it, ensuring it is not overheard or seen by any other individual.
• Never share your personal details with someone who has called you unexpectedly. This includes but is not limited to your account information and passwords or PIN. BaadMay will never call you and ask for such information.
• Never share sensitive information over a call claiming to be from the bank or a company. If need be, initiate a call on their published telephone number to check.
• Never download any software on your device when asked over the phone or through an email by an unauthorized entity.
• Be careful if other people have access to your mail.
• As per the possibility to, destroy unwanted documents that may contain sensitive information.
• Be conscious of the information you share on social media platforms and who has access to it.
• Cancel any lost or stolen credit or debit cards immediately. Any other documents containing sensitive personal information if stolen or lose, must be immediately reported to the relevant organization.

Please visit BaadMay’s Privacy Policy to learn more.

Contact your bank immediately and request for your card to be blocked. This should prevent anyone from using your card. If your BaadMay account details are at the risk of being compromised, we encourage you to update your security settings immediately.

If your account details have been compromised and a transaction has been attempted without your authorization, report to Customer Care immediately with all relevant proofs regarding the transaction.