The halal alternative to Affirm and Klarna. Your customer pays in installments at a true 0% APR — no hidden financing charges, no penalty interest, no compounding fees. You get paid upfront. We handle everything in between, including defaults. The merchant fee is 2.9% — matching credit card processing, undercutting the BNPL competitors.
If your transactions are large enough that customers commonly ask "do you offer financing?" — this is built for you.
Dealerships, brokers, used-car dealers. Largest BNPL category by dollar volume — and the one where 0% is the strongest competitive wedge against dealer captives and traditional auto loans.
New construction, modular homes, ADU builders. Multi-stage milestone payments fit perfectly. Highest-AOV category — and the one where conventional BNPL doesn't compete.
High-end and mainstream. Affirm and Klarna already entrenched in this category — we offer merchants better economics + customers a genuinely 0% product on all term lengths.
Jewelry, watches, art, professional equipment. Faith-aligned for Muslim consumers buying wedding rings, heirlooms, fine timepieces — and competitive for every other shopper too.
Luxury used cars, RVs, boats. Specialty lenders charge premium rates. BNPL is largely absent. 0% changes the conversation.
Elective procedures, dental, vision, fertility. Currently financed by 0%-promotional credit cards that revert to 20%+ APR on default. Our 0% is TRUE 0% — no retroactive interest, ever.
Same checkout conversion lift. Lower merchant fee. Genuinely 0% on every term length. Humane default handling. The math works in your favor — and your customer's.
Competitor data drawn from publicly disclosed pricing on each platform's merchant and consumer pages as of 2026. Subject to change at competitor discretion.
Plugs into Shopify, WooCommerce, custom JavaScript, REST API, iOS, Android. Live in 30 minutes for plug-and-play platforms.
At your checkout, alongside credit card and Apple Pay, a new option appears: "Pay in installments — 0% interest via qardon.com." Customer clicks.
Identity + creditworthiness verification runs in seconds. Approve / conditional / decline returned to your checkout. Customer sees their installment schedule and confirms.
Merchant settlement initiated at T+2 (T+1 for higher-tier merchants). You receive 97.1% of the transaction (your sale price minus 2.9% fee). We collect every installment from the customer, handle hardship, handle disputes.
Used car listed at $35,000. Customer chooses 48-month installment plan.
Living room set at $5,000. Customer chooses 12-month installment plan.
$450,000 modular home. Customer chooses 120-month installment plan.
$8,000 wedding ring. Customer chooses 24-month installment plan.
First $1M annual TPV
2.9%
> $1M / > $10M annual TPV
2.6% / 2.4%
> $100M annual TPV
Custom
From "paste one line of JavaScript" to "build your own custom flow with our REST API."
Native Shopify app — install from the App Store, enable in checkout settings, live in 5 minutes. No code required.
Native WordPress / WooCommerce plugin — install from the WordPress Plugin Directory, configure, live.
Drop-in JavaScript snippet for any e-commerce platform — one line in your checkout HTML, one configured button, live.
For custom integrations and headless commerce. OAuth 2.0 + HMAC signing. Comprehensive OpenAPI spec.
Native iOS (Swift) and Android (Kotlin) SDKs for merchants with mobile POS apps. CocoaPods, SPM, Maven Central.
Developer-facing preview with code snippets, API endpoints, and architecture overview.
We pay you upfront. From that moment, the relationship is between us and the customer. If they hit hardship, we handle it humanely — no debt collectors, no court-ordered repossession by us. They remember you as a great sale.
Any merchant, any country, any faith. Your customer base benefits from genuinely 0% financing regardless of their faith — and your Muslim customers get the additional benefit of a faith-aligned product they don't have today.
No marketing data sale. We never sell customer transaction data to advertisers or data brokers. We only use data to operate the transaction, prevent fraud, and report to regulators.
Phase 2 is approximately 12–18 months out. We're collecting merchant interest now. The first 100 to sign up get free setup, priority onboarding when we launch in your category, and locked-in standard rates regardless of future pricing changes.
Affirm and Klarna offer 0% on short pay-in-4 plans, but charge 10–30% APR on the 6-to-60-month plans where most high-AOV financing happens. Our 0% is universal — every term length, every transaction, every customer. There are no late-payment penalty fees, no compounding interest if a customer falls behind, no retroactive interest if a "promotional period" expires. The customer pays the merchant's listed price in installments. Period.
Flat 2.9% merchant transaction fee — undercuts the 4–6% that Affirm, Klarna, and Afterpay charge merchants. Volume discounts at $1M / $10M / $100M annual TPV. No monthly subscription. No setup fee for the first 100 merchants. No default-management fee. First 5 disputes per month are free, then $15 per dispute. Standard Stripe processing pass-through is paid by the customer at each installment (disclosed transparently, not our revenue).
Phase 2 — approximately 12 to 18 months out. We're collecting early-access interest now. The first 100 merchants to sign up get free setup, priority onboarding when their category launches, and locked-in standard rates regardless of future pricing changes. Build sequence prioritizes Custom JS embed and Shopify first, then WooCommerce and REST API, then mobile SDKs.
Standard settlement is T+2 business days via ACH or wire — comparable to Stripe's normal payout schedule. Tier-2 and Tier-3 merchants ($10M+ annual TPV) settle at T+1. Construction and multi-stage merchants (home builders) settle in milestone tranches as construction phases complete (slab, framing, MEP, certificate of occupancy). You receive 97.1% of every transaction (your sale price minus 2.9% fee).
You are already paid in full at settlement (T+2) — default risk is on us, not on you. From the customer's side, we handle hardship humanely: grace period, restructure, Recovery referral if eligible (medical, job loss, disaster), settlement, and only as a last resort — and only voluntarily — asset return. No collections agency in your name. No court-ordered repossession by us. Your customer remembers you as a great sale, not a creditor.
No. Qardon.com Merchant BNPL is faith-agnostic on the merchant side. Any merchant, any country, any faith. The 0%-interest design is a commercial product attribute — better economics for both sides than traditional BNPL or credit-card financing. Your Muslim customers get the additional benefit of a faith-aligned product they don't have today; everyone else gets a financially better deal.
30 minutes for plug-and-play platforms — Shopify and WooCommerce have native plugins. The Custom JS embed is a single line of HTML and a configured button. REST API integration for custom or headless commerce takes longer depending on your stack. Mobile SDKs (iOS Swift + Android Kotlin) are available for merchants with native mobile POS apps. See the integration preview.