Make Consumer Purchases More Accessible

Consumers can purchase eligible smartphones, home appliances and other consumer durables through instalment-based financing, subject to approval.

Enable Consumer Financing

Connect Consumer Purchases With Flexible Financing

Buy Now, Pay Later enables consumers to purchase eligible products through instalment-based financing without paying the full amount upfront. The participating financial institution or BNPL provider assesses credit eligibility and determines the financing limit and repayment terms.

Fauree provides the digital workflow connecting customer onboarding, credit assessment, financing approval, merchant settlement, product delivery and repayment tracking.

Terms reviewed before acceptanceAmountDown paymentTenorInstalmentsChargesEligible productpaid over timeTodayMonth 1Month 2Month 3Month 4Outstanding balance
Key Benefits Across The Ecosystem
Manage Purchase Costs
Spread the cost of eligible smartphones and consumer durables into monthly instalments.
Preserve Household Liquidity
Purchase eligible products without paying the full amount upfront.
Understand Repayment Terms
Review the approved amount, down payment, tenor, instalments and applicable charges before acceptance.

One Digital View of the BNPL Programme

Fauree connects customer onboarding, financing activity, merchant settlement, product records and repayment tracking within one digital environment.

Explore the Platform
MMBL Operations Portal/EWA ProgrammeSearch⌘K?DashboardEWA programme performance across all employers⟳ Last updated 3:50 PM1 Oct 2026 – 20 Oct 2026 ⌄ExportACTIVE EMPLOYERS24↗ +2vs last 30 daysREGISTERED EMPLOYEES8,420↗ +6.4%vs last 30 daysOUTSTANDING EXPOSUREPKR 182M– 41%utilisationOVERDUEPKR 2.1M↘ 1.2%of exposureDisbursementsMonthly, PKR MAmountCountMonthly ⌄200150100500JanFebMarAprMayJunJulAugSepOctRequests per dayLast 30 days30020010001 Oct10 Oct20 OctRequests overviewThis cycleSubmitted3,912Approved /Processing3,402Disbursed3,371Rejected284Failed transactions31Purpose analysisShare of requests34%MedicalMedical34%Education22%Utilities18%Rent15%Other11%Overdue ageingReconciliation exceptions: 122.1MPKR overdue1–30 days1.42M31–60 days0.51M61–90 days0.17MTop employersBy exposure1Lakeside Foods (Pvt) Ltd520 staff · PKR 38.2M2Indus Textile Mills1,140 staff · PKR 31.5M3Crescent Logistics410 staff · PKR 18.9MOVERVIEWMONEY MOVEMENTINSIGHTSDashboardEmployers3Programme configAuto-decision logDisbursementsSettlementUnallocated queue5Overdue & restrictionsReportsUsers & rolesOFOmar FarooqOps CheckerPowered by FAUREENotificationsBatch #214 disbursed · 312 requestsUnallocated queue: 5 items to reviewOverdue reminder: 3 employers

The BNPL Workflow

BNPL connects consumers, merchants and financing partners through a structured purchase and repayment process.

  1. 01Product SelectionCustomer selects an eligible product from a participating retailer or digital commerce platform.
  2. 02Digital OnboardingCustomer registers or logs in, completes identity verification and provides the required information.
  3. 03Credit Eligibility AssessmentParticipating financial institution or BNPL provider assesses creditworthiness, affordability and applicable risk factors.
  4. 04Financing ApprovalCustomer accepts financing terms, down payment, tenor, instalments and charges.
  5. 05Merchant SettlementFinancing partner settles the approved amount with the retailer or merchant under the agreed arrangement.
  6. 06Product DeliveryRetailer releases or delivers the product, with relevant purchase and delivery records captured.
  7. 07Instalment CollectionCustomer repays through scheduled instalments using supported payment methods.
  8. 08Repayment Monitoring and ClosureFauree tracks repayment schedules, outstanding balances and payment status until applicable obligations are settled.

Why Fauree

Digital infrastructure that connects consumers, merchants and financial institutions through one structured financing workflow.

01

Connected Retail Ecosystems

Connect consumers, retailers, distributors, brands and financial institutions through a digital process.

02

Structured Financing Workflow

Connect onboarding, credit assessment, financing approval and merchant settlement.

03

Transaction Traceability

Capture relevant product, invoice and delivery records throughout the purchase lifecycle.

04

Repayment Visibility

Monitor instalment schedules, outstanding balances and payment status.

BNPL, Explained Clearly

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Relevant Products

More Ways to Support Consumers

Explore the Suite
Earned Wage Access
Give eligible employees earlier access to income already earned while employers offer a more responsive financial benefit.
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Education Fee Financing
Connect parents, educational institutions and financial institutions through a digital school-fee financing workflow.
Learn More
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Build a BNPL Programme

Connect consumers, retailers and participating financial institutions through a structured digital financing workflow.

Build Your Program