Bangladesh · interest free
Buy it today. Pay across your next four salaries.
WePay4U splits a purchase into four — a quarter at checkout, the rest one a month, timed to the day you actually get paid. No interest, no card, no paperwork at the till.
Interest free, always. A late payment costs a flat fee, capped per order — never a rolling balance.
- Todayat checkout৳3,000.00
- Payment 2month 1৳3,000.00
- Payment 3month 2৳3,000.00
- Payment 4month 3৳3,000.00
Total ৳12,000.00 — the price on the tag. No interest, no plan fee, and later payments move to land just after your salary date.
Illustration only. Your plan depends on an approved credit limit, and payments are timed to your salary day. A payment more than 3 days late attracts a flat fee, capped per order.
0%
Interest, on every plan
4
Payments on the headline plan
T+2
Days until a shop is paid
৳
Everything in taka, no conversion
For shoppers
Four steps, and none of them are a credit card application
You are checked once when you join. After that, checking out is picking WePay4U and paying the first part.
Check out with WePay4U
Pick WePay4U at a partner shop and give the reference on your account. No new application at the till.
Pay the first part today
A quarter of the basket on Pay in 4. You take the goods home the same day — the shop is paid in full by us.
The rest follows your salary
Three more payments, one a month, timed to the day you actually get paid rather than the day you bought.
Watch it in one place
Every purchase, what is left and what is next sits in your account, with your available limit updated as you repay.
What we promise
The parts other lenders keep in the small print
A plan that costs more than the price on the tag is not a plan, it is a loan. We took the other route: the shop pays us, so you do not.
No interest. Not ever
The price you agree at checkout is the price you pay in total. We earn from the shop's commission, not from your balance growing.
A late fee that stops
Miss a payment past the grace period and a flat fee applies once — capped per order. It never compounds and it never becomes rolling interest.
A limit set for your salary
Your approved limit is a decision a person makes against your verified income, not a number that quietly grows to tempt you.
Nothing hidden behind a login
Fees, plan lengths and what happens when you miss a payment are on this site in full, before you sign up for anything.
Where to shop
Categories our partners trade in
From the weekly grocery run to the appliance you have been putting off.
For business
You get the whole basket in two days. We carry the instalments.
Offer WePay4U at checkout and settle on a T+2 cycle for the full order value less commission. If a customer misses a payment, that is our problem to work — you have already been paid.
- Settlement
- Full order value, less commission, on T+2
- Risk
- Non-payment sits with us, not with you
- Integration
- REST API, your own keys, webhooks and a sandbox
The things worth knowing before you sign up
Is there any interest?
No. A WePay4U plan costs the price of the goods and nothing more, provided you pay on time. There is no interest rate, because there is no interest — the shop pays us a commission and that is how the platform earns.
What happens if I miss a payment?
Each plan has a grace period — three days on Pay in 4, five on Pay in 6. After that a flat late fee applies, capped per order. It is charged once, not per day, and it never turns into a rolling balance. New purchases pause until you are up to date; the payments you already owe carry on as scheduled.
How is my limit decided?
After your identity check clears, a risk officer sets an approved limit against your verified monthly salary. It is not automatic and it does not creep upward on its own. As you repay, the amount held by open purchases is released and your available limit goes back up.
Do I need a credit card?
No. WePay4U is built for salaried employees in Bangladesh, and the plan is timed to your pay date rather than a card's billing cycle.
Why do you need my employer and salary day?
Because that is what the schedule is built around. Knowing when you are paid means an instalment can fall just after your salary lands rather than a fortnight before it.
What do you do with my NID?
We store a one-way fingerprint of it, never the number itself. That is enough to stop the same identity signing up twice, and it means a copy of our database gives up nothing identifying.
Can I pay everything off early?
Yes, and it costs nothing extra. Clearing a plan early releases the limit that purchase was holding straight away.
What does it cost a shop?
A commission on each order, agreed per merchant. Nothing is deducted twice and nothing is held back beyond the settlement cycle — the full order value less that commission is paid out on T+2.
Your salary arrives once a month. Your shopping does not have to.
WePay4U plans are subject to an identity check and an approved credit limit set against your verified salary. Missing a payment beyond the grace period attracts a flat fee, capped per order, and pauses new purchases until you are up to date.