Buy now, pay later (BNPL) lets you split a purchase into multiple smaller payments instead of paying the full amount upfront. With AlyaPay, you get your purchase immediately but spread the cost over several weeks or months.
The basics
When you check out with AlyaPay:
You pay only a portion of the total amount today
The remaining amount is split into equal installments
Payments are automatically charged to your card on scheduled dates
You receive your purchase right away
Example: 2000 MAD purchase with 4 installments
Total Purchase: 2000 MAD
First Payment (Today): 500 MAD
Remaining Payments: 3 payments of 500 MAD each
Payment Schedule:
Day 1 | 500 MAD | paid at checkout |
In 30 days | 500 MAD | automatic payment |
In 60 days | 500 MAD | automatic payment |
In 90 days | 500 MAD | automatic payment |
Payment plan options
2 Installments
Best for smaller purchases
Pay half today, half in 30 days
Quickest payoff
3 Installments
Good balance of flexibility and speed
Pay one-third today, remainder in 2 payments
Popular choice
4 Installments
Maximum flexibility
Smallest payment amounts
Spread over 90 days
Payment schedules
You can choose when your installments are due:
Same-day payment: All installments due on the same day of the month
1st of each month payment: All installments are due on the 1st of each month.
5th of each month payment: All installments are due on the 5th of each month.
How to use AlyaPay in stores
Shop at any AlyaPay partner store
When you're ready to pay, ask the cashier to use AlyaPay
The cashier will process your purchase through AlyaPay
Choose your payment plan (2, 3, or 4 installments)
Complete the first payment
Take your items home immediately!
What if I can't make a payment?
If a payment fails:
We'll notify you immediately via SMS and email
You'll have a grace period to update your payment method
We'll automatically retry the payment
Can I pay early?
Yes! You can pay off your remaining balance at any time. Just go to your purchase details and select "Make Payment"
Are there any fees?
No interest charges - Ever!
No setup fees - Creating an account is free
No service fees