Asia's pay-later button, starting in Bangladesh.
Kisti lets you shop today and pay over four months. Choose Kisti at checkout, pay the first installment there and then, and repay the rest with bKash, Nagad, or your bank — 0% interest, always. No card needed.
Our story
Why we started
Credit cards are out of reach for most people. Bank EMIs mean paperwork and waiting. Loan apps charge high interest and hide fees. We built something honest in between — a pay-in-4 that works the way people already pay.
We're starting in Bangladesh — with soft NID checks, bKash and Nagad repayments, and partner merchants in Dhaka, Chattogram, and Sylhet. Asia's pay-later button, built local from day one.
200+
Launch merchants
3
Launch cities
0%
0% interest
~10 min
Approval time
How it works
Four steps from sign-up to done.
Sign up
Enter your mobile number and NID. A soft check takes around 10 minutes — no CIB record.
Shop
Pick Kisti at checkout at 200+ partner merchants — online or in-store via QR.
Pay 1 of 4
Pay your first installment at checkout with bKash, Nagad, or your bank. Take it home today.
Done
Pay the remaining three installments over the next three months. When the fourth clears, you're done — 0% interest, always.
Kisti Secure
Trust & safety
This is a money product. We take trust seriously — secure repayments, clear terms, and real humans behind the product.
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Soft NID check
Verify identity in ~10 minutes without a hard CIB hit on your record. 18+ only.
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All in the app
Check out, track payments, and manage everything from your phone — no branch visits or paperwork.
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Compliant & transparent
Kisti Ltd operates in compliance with applicable Bangladeshi laws. Read our Privacy Policy and Terms of Service.
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Your data stays yours
We never sell, rent, or trade your personal information. Data is shared only to run the service or where the law requires.
