Everything worth asking before you split a bill

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.

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.

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.

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.

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.

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.

Yes, and it costs nothing extra. Clearing a plan early releases the limit that purchase was holding straight away.

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.