PayLater vs BillHive

Shop now, pay later, with zero interest and zero fees. Forever. PayLater is Qatar's first Buy Now, Pay Later app licensed by the Qatar Central Bank. Split purchases into up to 4 instalments with PayLater. For eligible orders, FleXed lets you pay over up to 12 months at selected stores. No interest. No fees. No catch. 100% SHARIA-COMPLIANT PayLater is fully Sharia-compliant and certified by Bait Al Mashoura. 0% interest and 0% fees are not an introductory offer. They are how the product is built, and they are forever. SPLIT IN 4 Choose your first payment and spread the balance across the remaining instalments. Get approved in minutes with your Qatari ID and a selfie. FLEXED: UP TO 12 MONTHLY INSTALMENTS Bigger purchase? FleXed gives you up to 12 monthly instalments for eligible orders at selected stores. Every eligible account gets 10 FleXed credits, one for each instalment you add beyond the standard 4, and you can run up to 2 FleXed orders at the same time. Your credits come back as you repay. Still zero interest, zero fees, fully Sharia-compliant. FleXed is offered based on eligibility and may not be available to everyone. Terms and conditions apply. Visit https://paylaterapp.com/ for more information. *The FleXed feature is currently available to users in beta mode. YOUR FIRST PAYMENT, YOUR CALL You decide what you pay up front. Choose a first payment at least equal to each remaining instalment and the balance splits evenly across the instalments you choose. Found something that costs more than your limit? Pay the difference up front and split the rest. Your limit does not have to end the sale. WHERE YOU CAN USE IT Shop online and in store at more than 1,600 brands and 3,500 branches across Qatar, including Lulu, Fnac and many more. EVERYTHING IN ONE APP Track your available limit in real time See every order and upcoming due date in one place Repay early whenever you want, at no cost Manage your cards securely Switch between English and Arabic anytime SAFE, LOCAL, TRANSPARENT Licensed and regulated by the Qatar Central Bank. PCI DSS-compliant payment security. Every transaction is processed locally in Qatar for faster, safer payments. Join 500,000+ shoppers across Qatar already paying a smarter way. Buy now pay later Qatar, BNPL Qatar, split payments, pay in 4, instalments, monthly instalments, interest free shopping, Sharia-compliant finance, online shopping Qatar, Doha.

BillHive handles three kinds of splitting in one app: household bills, restaurant checks, and group trips. Long-press the Mode tab to switch between them. BILLS MODE Track recurring household bills month after month. Split by percentage or fixed dollar amounts, set "covered by" relationships, and auto-carry amounts that don't change. A monthly checklist tracks what's been emailed, paid, and collected. CHECKS MODE Split a restaurant check in seconds. Scan the receipt with on-device OCR to auto-populate line items, tax, and tip. Assign items to friends, calculate proportional shares, then send a no-account share link so friends can claim their own items from any device. TRIPS MODE Create a trip, add members, and log expenses as you go. Attach receipt photos, split costs between any subset of members, and handle multi-payer scenarios. When the trip ends, the debt simplification algorithm minimizes the number of transfers needed. Export a PDF or CSV summary. COLLECT WHAT YOU'RE OWED All three modes generate Zelle, Venmo, and Cash App deep-links with the exact amount pre-filled. Send a personalized HTML email summary with one tap, or share a link that lets friends claim items with no account required. KEY FEATURES - Three modes: Bills, Checks, and Trips - On-device receipt OCR (no cloud upload) - No-account share links for checks and trips - Zelle, Venmo, and Cash App payment deep-links - Debt simplification for trips - Multi-payer and multi-currency expense support - Month-over-month trend charts - iCloud sync across devices - Dark theme with amber accent - One-time purchase: no subscription, no ads, no tracking Your data stays on your device and syncs via iCloud. Nothing is sent to any third-party server.