# CirclePay - Buy Now Pay Later > Sri Lankan buy now, pay later app for interest-free installments and QR payments. (iPhone/iPad app by Circle Explorer PVT LTD.) - Source: https://appshunter.io/ios/app/circlepay-buy-now-pay-later/id6759215105 (this page in markdown: same URL + `.md`) - Developer: [Circle Explorer PVT LTD](https://appshunter.io/developer/1861315816) - Category: Finance - Price: Free - Rating: 3.00/5 from 2 App Store ratings · 1 written reviews indexed - Age rating: 4+ - Requires: iOS 14.0 · 47 MB - Languages: American English - Released: 2026-03-02 - Data updated: 2026-08-11 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/circlepay-buy-now-pay-later/id6759215105/reviews.md ## What is CirclePay? Circle Pay is Sri Lanka's Buy Now Pay Later platform, making shopping more accessible and affordable. Split your purchases into easy installments with zero interest, pay at partner merchants with a simple QR scan, and manage your finances — all in one app. HOW IT WORKS 1. Sign up and verify your identity 2. Link your bank account or card 3. Shop at any partner merchant 4. Choose to pay in 3 to 6 monthly installments 5. Enjoy your purchase — your first payment isn't due for 30 days ZERO INTEREST INSTALLMENTS Split any purchase into 3 to 6 monthly payments at 0% interest. No hidden fees, no surprises. What you see is what you pay. QR CODE PAYMENTS Pay at partner merchants instantly by scanning their QR code. No cash, no fumbling with cards — just scan, choose your plan, and go. MULTIPLE PAYMENT METHODS Link your bank account via Seylan Bank direct debit or add your credit/debit cards. Choose your preferred payment method for each transaction. SMART SPENDING INSIGHTS Track your spending by category, view payment trends over time, and stay on top of your financial health with detailed analytics and charts. REWARDS & REFERRALS Earn points with every transaction. Climb the ranks, unlock badges, and redeem rewards. Refer friends with your unique code and earn bonuses when they sign up. SECURE IDENTITY VERIFICATION Your security is our priority. Verify your identity with NIC upload and face liveness detection powered by AWS. Protect your account with Face ID or fingerprint authentication. MANAGE YOUR PAYMENTS View all your active loans, upcoming installments, and payment history in one place. Never miss a due date with clear payment schedules and reminders. BROWSE PARTNER MERCHANTS Discover shops and restaurants that accept Circle Pay. Browse by category — food, fashion, electronics, and more. BUILT FOR SECURITY - Bank-level AES-256 encryption - Face ID and fingerprint authentication - Secure session management with inactivity timeout - Verified identity through KYC process CONTACT US Website: www.circlepay.lk Email: info@circlepay.lk ## Key features - Interest-free installments - QR code payments - Link bank accounts/cards - Spending insights - Rewards and referrals - Secure identity verification ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/circlepay-buy-now-pay-later/id6759215105/reviews.md ### 1/5 — No! *2026-06-19* Not for American use ## Frequently asked questions about CirclePay ### How does CirclePay work? CirclePay allows you to sign up, link your bank account or card, and then shop at partner merchants. You can choose to pay in 3 to 6 monthly installments with zero interest, with your first payment due in 30 days. ### What are the interest rates for CirclePay installments? CirclePay offers zero interest installments for all purchases split into 3 to 6 monthly payments. There are no hidden fees or surprises. ### Can I pay with CirclePay at any store? You can pay with CirclePay at any of its partner merchants. The app provides a way to browse and discover shops and restaurants that accept Circle Pay. ### How is my identity verified with CirclePay? CirclePay prioritizes security by verifying your identity through NIC upload and face liveness detection powered by AWS. Your account can also be protected with Face ID or fingerprint authentication. ### Does CirclePay have ads? No, CirclePay does not contain advertisements. It is a free application designed to provide financial services without ad interruptions. ### What payment methods can I link to CirclePay? You can link your bank account via Seylan Bank direct debit or add your credit/debit cards to your CirclePay account. You can choose your preferred payment method for each transaction. ### How often is CirclePay updated? The latest version of CirclePay is 1.0.3, and it was last updated on August 6, 2026. This indicates regular updates to improve functionality and security. ### What devices does CirclePay support? CirclePay is available on iPhone, iPad, and iPod devices, making it accessible to a wide range of Apple users. ## Version history (last 4 releases) ### 1.0.3 — 2026-08-06 Minor bug fixes ### 1.0.2 — 2026-03-19 Dark Mode Beautiful OLED-optimized dark theme now available Toggle dark mode on/off from Settings Your preference is saved and remembered across sessions Other Improvements Visual refinements across all screens Performance and stability improvements ### 1.0.1 — 2026-03-07 Static QR Fixes, Bug Fixes ### 1.0 — 2026-03-02 No release notes. ## Related topics [circle pay](https://appshunter.io/ios/topics/circle-pay) · [buy now pay later bills](https://appshunter.io/ios/topics/buy-now-pay-later-bills) · [bnpl buy now pay later](https://appshunter.io/ios/topics/bnpl-buy-now-pay-later) · [mypayfast](https://appshunter.io/ios/topics/mypayfast) · [buy now pay later](https://appshunter.io/ios/topics/buy-now-pay-later) · [uplift](https://appshunter.io/ios/topics/uplift) · [buy now pay later food](https://appshunter.io/ios/topics/buy-now-pay-later-food) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-11.*