NestraPay Makes Payments Effortless
Whether you’re buying clothes, electronics, or groceries —your payments become lighter and easier.
Sign Up
Getting started is quick and simple. All you need is your CNIC and mobile number to create your NestraPay account instantly.
Enter your CNIC number
Verify your mobile number via OTP
Account created in under 2 minutes
Get Your Limit
Our AI-powered NestraScore™ instantly analyzes your profile and assigns you a personalized spending limit based on multiple factors.
Real-time credit assessment
Identity verification & fraud detection
Limit grows with responsible usage
Shop Anywhere
Use NestraPay at any of our partner stores or online checkouts. Shop for what you need, when you need it.
Online stores & marketplaces
Growing network of merchants
Limit grows with responsible usage
Choose Installments
At checkout, select your preferred payment plan. Split your purchase into manageable payments that fit your budget.
Pay in 4 installments (bi-weekly)
Pay in 30 days (full payment)
0% interest on all plans
Pay Back Easily
Set up automatic payments and never worry about missing a due date. Multiple payment methods supported for your convenience.
Automatic debit card payments
Direct bank account transfers
Mobile wallet integrations
The Magic Behind NestraPay
Advanced technology and intelligent systems working together to makeyour payments seamless and secure
Real-time Scoring
NestraScore™ analyzes your profile in milliseconds using advanced AI algorithms to provide instant credit decisions.
Fraud Prevention
Multi-layered security systems detect and prevent fraudulent activities before they happen, protecting you and merchants.
Secure APIs
Bank-grade encryption and security protocols ensure all your transactions and data are fully protected.
Instant Settlements
Merchants receive payments immediately while you enjoy flexible installment plans—everyone wins.
Spending Insights
Track your spending patterns, manage your budget, and get personalized recommendations to improve financial health.
Smart Notifications
Get timely reminders about upcoming payments, limit updates, and exclusive merchant offers.
PKR 40,000
Pay everything upfront
Payment Schedule
PKR 10,000
Today (at checkout)
Week 2
PKR 10,000
Week 4
PKR 10,000
Week 6
PKR 10,000
Total Amount
0% interest • No hidden fees