PayLater vs Splitify

Zero interest. Zero fees. Forever. PayLater is Qatar's first Buy Now, Pay Later app licensed by the Qatar Central Bank, and it is 100% Sharia-compliant, certified by Bait Al Mashoura. Split any purchase into 4 payments over 3 months, or spread bigger orders across up to 12 monthly instalments with FleXed. SPLIT IN 4 Pay 25% at checkout and the rest across 3 payments. Get approved in minutes with your Qatari ID and a selfie. FLEXED: UP TO 12 MONTHS Orders of QAR 4,000 and above can be spread over up to 12 monthly instalments instead of 4. Every eligible account gets 10 FleXed credits, one for each instalment you add beyond the standard 4. Run up to 2 FleXed orders at once, and your credits come back as you repay. FleXed is offered based on eligibility. YOUR FIRST PAYMENT, YOUR CALL Raise your first payment above the standard 25% and the balance splits evenly across the instalments you choose. And if something costs more than your limit, pay the difference up front and split the rest. 1,500+ MERCHANTS ACROSS QATAR Shop online and in store at more than 3,000 outlets, including Lulu, Fnac and many more. IN THE APP Your live credit limit, every order and due date in one place, early repayment at no cost, secure card management, and full Arabic and English support. SAFE, LOCAL, TRANSPARENT Licensed by the Qatar Central Bank. PCI DSS-compliant security. Every transaction is processed inside Qatar. The only charge is a QAR 50 late payment fee, approved by our Sharia Supervisory Committee and donated in full to charity. Join 500,000+ shoppers in Qatar already paying a smarter way.

Splitify is the independent way to split expenses with friends, roommates, and travel buddies. No account to create, no ads to sit through, no bank behind it, no limits on what you can log — and it's free. Forever. Open the app and start splitting in seconds. Your friends don't need to sign up either: share an invite link and they're in. WHY SPLITIFY IS DIFFERENT - No account needed — not even an email. Download, open, split. - Free forever — every feature included. No premium tier, no daily expense limits, no paywalled essentials. - No ads — nothing standing between you and your expenses. - Independent and private — Splitify isn't owned by a bank and doesn't sell your data. Your spending stays yours. EVERYTHING YOU NEED TO SETTLE UP - Splits for every occasion — create a group for your trip, your flat, your team, or your relationship. - Clear balances — always know who owes what, and settle up in a tap. - Any currency — log expenses in different currencies, with exchange rates handled for you. - Recurring expenses — set up rent, utilities, or shared subscriptions once, and Splitify keeps every month's balances right. - Works offline — no signal on the road? Log now, sync later. - Smart notifications — customizable alerts so nothing gets forgotten, without nagging anyone. - Make it yours — light and dark mode, with your own accent color for each. - In your language — English, French, and Spanish. PERFECT FOR - Trips and holidays: hotels, meals, fuel — in any currency. - Roommates: rent, groceries, utilities. - Couples: everyday shared spending. - Friends and teams: dinners, gifts, events, subscriptions. Split expenses. Keep your privacy. That's the whole deal.