When shopping with AlyaPay on your phone, you'll choose how many monthly installments to split your purchase into: 2, 3, or 4 payments.
Plan | First Payment | Remaining | Total Time | Best For |
2x | 50% | 1 | 30 days | Quick payoff, smaller purchases |
3x | 33% | 2 | 60 days | Balanced flexibility (most popular) |
4x | 25% | 3 | 90 days | Larger purchases, smaller payments |
Quick examples
600 MAD purchase:
2 installments: 300 MAD today, then 300 MAD
3 installments: 200 MAD today, then 200 MAD twice
4 installments: 150 MAD today, then 150 MAD three times
3,000 MAD purchase:
2 installments: 1,500 MAD today, then 1,500 MAD
3 installments: 1,000 MAD today, then 1,000 MAD twice
4 installments: 750 MAD today, then 750 MAD three times
9,000 MAD purchase:
2 installments: 4,500 MAD today, then 4,500 MAD
3 installments: 3,000 MAD today, then 3,000 MAD twice
4 installments: 2,250 MAD today, then 2,250 MAD three times
How to choose
Simple decision guide:
Purchase under 1,000 MAD? → 2 installments
Purchase 1,000-4,000 MAD? → 3 installments (most popular)
Purchase 4,000-15,000 MAD? → 4 installments
Or ask yourself:
Can I comfortably afford the first payment today?
Will I have funds for monthly payments?
Do I have other monthly expenses?
At checkout (on your phone)
Receive SMS link or open AlyaPay app
See purchase details
Tap to select: 2, 3, or 4 installments
Review payment breakdown
Confirm
Important notes
✅ No interest or fees - You pay the exact purchase price
✅ Automatic payments - All remaining payments charged monthly
✅ Cannot be changed - Choose carefully before confirming
✅ Private selection - Only you see this on your phone
✅ Can pay early - Pay off anytime