Grab It Today, Split It over 3 Months with JazzCash ‘Buy Now, Pay Later’!
Shop your favorites from stores or online and pay later in easy installments. Convenience and flexibility, all in one!
JazzCash Buy-Now-Pay-Later is a payment plan that allows you to make a purchase and spread the cost over three instalments. The total purchase amount is divided into smaller payments over 90 days, and the first instalment is deducted at the time of the purchase.
You will be able to use Buy-Now-Pay-Later through 3 channels:
There are a total of 3 instalments, which are as follows:
JazzCash Buy-Now-Pay-Later charges 15% of the total purchase amount. If an instalment is not paid, a surcharge of 10% will be added to the leftover due amount.
Anyone who frequently uses JazzCash, has a good credit history, and has a credit limit that is enough to purchase the product.
Eligibility for Buy-Now-Pay-Later is calculated based on your credit score. Your credit score is evaluated based on:
The minimum credit limit is Rs. 100, and the maximum is Rs. 20,000.
Yes, JazzCash’s Buy-Now-Pay-Later services are available for online and in-store purchases. However, to confirm acceptance, you should check with the specific retail store to ensure they accept payments via JazzCash Buy-Now-Pay-Later.
There can be multiple reasons for failed JazzCash Buy-Now-Pay-Later transactions.
According to JazzCash’s Buy-Now-Pay-Later policy, missing a payment may result in a 10% late fee.
It could affect your credit score if the missed payments are reported to credit bureaus.
You can only exchange the product as per brand’s policy if the brand’s validates you to do it.
If you have a problem with the product you purchased, you can contact the brand or retail store where you purchased it.
JazzCash uses secure encryption and complies with industry standards to protect your personal and financial information.
Yes, JazzCash allows you to pay off your balance early without penalty. Doing so may help you avoid additional fees and reduce your overall debt.
If you fail to clear off your loan, JazzCash can automatically fetch the amount from your wallet if the instalment due date has passed.
You can buy as many products as you like from a brand/retail store up to Rs.20,000.
No, you cannot buy from multiple brands or retail stores. You can only buy from one brand or retail store at a time.
You can only make one transaction of JazzCash Buy-Now-Pay-Late You at a time. Once you have cleared off the existing Buy-Now-Pay-Later loan, then you can use Buy-Now-Pay-Later.
However, a singular Buy-Now-Pay-Later transaction can be made for multiple items from a single brand/retail store as long as the total bill is under PKR 20,000.
You should contact the brand you ordered from if your order has yet to be delivered.
By choosing to use the JazzCash Buy Now, Pay Later (“BNPL”) the (“SERVICE”) offered by Mobilink Microfinance Bank Limited (“MMBL/Service provider/Loan Provider/Bank”), you agree to establish a direct contractual relationship with the Service/Loan Provider as a customer/borrower and you further agree to be bound by the Service Provider’s terms and conditions of use of the SERVICE and undertake to repay the BNPL service fee along with all due charges on the agreed date and time in accordance with these terms and conditions of use of the SERVICE.
Buy Now, Pay Later is an installment plan that allows you to make purchase and spread the cost over 3 easy monthly installments.
By opting for the BNPL Service, you agree to be bound by these Terms of Use. You should read these terms in full, as well as the JazzCash Privacy Policy before proceeding.
1. APPLY FOR JAZZCASH BUY NOW, PAY LATER:
1.1. You should have a JazzCash mobile account (“JazzCash Account”) with MMBL.
1.2. Your JazzCash Account has active usage.
1.3. When you apply for BNPL during purchase of product, you instruct, consent to, and authorize the Bank to consider your BNPL credit service.
1.4. To provide you with the best user experience consistent with the Bank’s policy of being customer obsessed we must establish your relevant customer profile which would include access to relevant personal information, mobile account, and subscription information.
By accepting the terms and conditions you consent that the BNPL Service will grant the Bank authority to access and process the above-stated requirements for the purposes of offering best products and services.
1.5. You will be required to pay 1st installment of the product’s purchase price upfront and repay the remaining amount in 2 further installments per month
1.6. Once your BNPL request is approved, the product will be purchased from the merchant upon full payment on your behalf and an SMS confirmation will be sent.
1.7. The Bank shall not be required to provide reasons to you for declining or approving your application for BNPL credit.
If your application is approved, you shall be sent an SMS confirming:
1.9. Once the product is purchased through BNPL Service from the merchant’s website/ retail outlet, the Bank will not be responsible for any late, lost, undelivered or faulty product.
1.10. Refunds & Returns are not allowed. Only exchanges are allowed as per the brand’s policy & to be catered by the brand.
1.11. These terms and conditions may change over time, in the sole discretion of the Bank, and will be available on the JazzCash website. Therefore, whenever you are requesting for BNPL Service you must review these terms before you apply for purchase of products through BNPL Service.
2. REPAYMENT OF THE LOAN
2.1. You can repay your loan using your JazzCash mobile app or USSD at any time on or before the due date, by selecting the “Repayment” option.
2.2. You authorize MMBL to process an automatic deduction of the repayment amount of the outstanding BNPL installment amount from your mobile account after the due date, automatic deduction can be processed one or more times until repayment of the outstanding balance plus applicable fees has been made in full. Further, it is hereby agreed and acknowledged by you that, in case you change or have changed the JazzCash Mobile account number with or without informing MMBL of such change, MMBL shall be at liberty to cause automatic deduction from your current active mobile account without there being any objection by you and upon exercising such right of deduction, MMBL shall always stand indemnified from any claim whatsoever by you.
2.3. After eight (08) weeks since loan disbursement, there will be no further fee applied to the outstanding BNPL credit amount.
2.4. You authorize the Bank that notifications/alerts regarding the BNPL Service may be sent to you.
3. CUSTOMER DEFAULT
3.1. You will be deemed a defaulter if you fail to pay the original BNPL amount along with its applicable fee and any associated fee within the stipulated time period.
3.2. Default customer data will be reported to the Credit Bureau (eCIB) service of the State Bank of Pakistan and may remain in the eCIB system for a period of two years. In addition to eCIB reporting, default customer data may also be reported to other licensed private credit bureaus. In case of any financial relief provided to you by the Bank in the form of write-off / reversal of markup, the same shall be reported to eCIB /SBP. Default customers can be blacklisted from availing JazzCash BNPL Service again in the future.
DISCLOSURE OF INFORMATION
5.1. You provide your consent and authorization to MMBL, JazzCash, Jazz Mobile subscription, Jazz (PMCL), and its associated companies where your relevant information was extracted during your loan application to share that relevant data with:
5.1.1. Any national law enforcement, regulatory, or government body/agency in the assistance in any investigation, prosecution of criminal activities, fraud, prevention, and detection of any such activities
5.1.2. Service providers, dealers, agents, an associated company of the Bank or any Third-Party entity associated directly with the Bank for reasonable commercial purposes which can include disbursement of the credit amount, its regulation, collection, marketing of products, etc. The data provided by you shall be used in accordance with the JazzCash privacy policy available at the JazzCash website.
5.2. The Bank is authorized to make such disclosures in respect of the Account and Services as may be required by any court order or competent authority or agency under the provisions or applicable laws and/or otherwise to safeguard the interests of the Bank.
5.3. Service providers and any other associate company of the Bank for reasonable commercial purposes
5.4. Default customer data will be reported to the Credit Bureau of Pakistan or such private credit bureaus of which the Bank is a member in accordance with applicable laws.
INDEMNIFICATION
You agree to indemnify us in respect of any liability incurred by us (including but not limited to under tort, statute, equity or contract) for any loss, cost, damage, or expense we suffer as a result of your negligent, fraudulent or wrongful acts or omissions, or your breach of these Terms of Use, but only in the proportion that represents the extent to which the loss, cost, damage or expense was caused by your negligent, fraudulent or wrongful acts or omissions.
DISCLAIMER OF WARRANTIES
Your use of the BNPL Service is at your sole risk. The BNPL Service is provided on an “as is” and “as available” basis. To the maximum extent permitted by law, we expressly disclaim all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability and non-infringement, except we do not disclaim liability to the extent it is caused by our negligent or wrongful act or omission.
ASSIGNMENT
If you choose and are approved for a BNPL Service, JazzCash may assign its rights and obligations under this agreement in respect of the debt, to any affiliate and such assignment does not require your consent. MMBL may also transfer, or assign, our rights and obligations under this agreement without your consent.
In doing so, you consent to us giving any information (including documents) about you to the assignee/transferee or to anyone who is considering becoming the assignee/transferee. You also authorize us to novate our obligations under this agreement to the assignee/transferee, where applicable. You cannot transfer or assign your rights under this agreement without our written consent.
CHOICE OF LAW
These T&Cs will be governed by the laws of Islamic Republic of Pakistan
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