Carrefour, owned and operated by Majid Al Futtaim in Pakistan, has signed a Memorandum of Understanding (MoU) with Bank Alfalah to launch its first ‘Buy Now, Pay Later’ initiative. This first-of-its-kind solution means that customers with an Alfa account can now scan a product’s QR code to pay in instalments in-store without experiencing any price markup, affording more flexibility when it comes to check-out.

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The agreement was signed between Imran Mansoor, Country Finance Manager of Carrefour Pakistan, and Syed Irfan Akhtar Gillani Business Head of Retail Central, of Bank Alfalah, at Carrefour Head Office, Fortress. The ‘Buy Now, Pay Later’ service can be availed by all BAFL credit card users across all products and categories.
Umer Lodhi, Country Manager of Carrefour Pakistan at Majid Al Futtaim Retail, said: “We believe in providing our valued customers with an elevated shopping experience by offering a range of services and products paired with innovative digital solutions. With our ‘Buy Now, Pay Later’ service, we are thrilled to support more customers with easy, manageable payment options – demonstrating our commitment to convenience and value. Our latest initiative in collaboration with Bank Alfalah has been designed for transparency and ultimate flexibility to protect the purchasing power of our customers in Pakistan.”
Commenting on the partnership, Mr. Yahya Khan Group Head of Digital Banking Group, remarked, “Bank Alfalah is committed to providing affordable and convenient services to its customers. Our partnership with Carrefour is yet another step forward in this endeavour. Through this collaborative effort, we are hopeful of creating a long-term positive impact across our customer base. ‘Buy Now, Pay Later’ service allows consumers to make purchases and pay for them at a future date. This is not just an initiative but an experience that aligns with our vision of customer centricity, and focusing on providing unmatched services to give a great experience.”
The process to use Carrefour’s ’Buy Now, Pay Later’ feature is quick and easy. Customers can use the Alfa app to scan an item’s QR code, choose ‘Credit Card,’ and enter their payment information. After choosing their desired tenure, they will be able to pay in manageable instalments. The last step is to accept the terms and conditions, which maintain that the instalment plan can only be booked for the transaction amount of PKR 3,000 or above and for a tenure of up to 12 months.
In addition to the convenience of in-store shopping, Carrefour also offers its delivery service through the Carrefour Pakistan app and customers can use MyCLUB to gain instant discounts, earning and redeeming points. For further information, please head to to check out the variety of products available in stores.
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