Qist قسط
Shop Now. Pay Easy.
UAE's first Buy Now Pay Later integrated with Nuqta rewards. Split purchases into easy installments. Nuqta+ members pay 0% platform fees for 3 months.
Split any purchase with 0% fees for Nuqta+ members
What Qist Controls
Does NOT Own
Executive Summary
Qist (قسط - "installment" in Arabic) is a Buy Now Pay Later service that allows consumers to split purchases into 3-12 monthly payments. As a Nuqta Group sister company, Qist leverages existing corporate partnerships to instantly access merchant networks. Nuqta+ members get 0% platform fees for 3 months, creating a powerful conversion funnel into the premium loyalty ecosystem.
How It Works
Corporate Structure
UAE BNPL Market Opportunity
Product Features
Checkout BNPL
Seamless split payment at online and in-store checkout
Qist Wallet
Pre-approved credit line for instant purchases
Coin Integration
Use Nuqta coins as down payment or earn on purchases
Flexible Terms
3-12 month payment plans based on credit score
Buyer Protection
Full refund protection for eligible purchases
Smart Reminders
Automated payment reminders and easy autopay
Credit Building
Report to credit bureau to help build score
Qist Card
Virtual and physical card for anywhere acceptance
The Nuqta Ecosystem Advantage
Unlike standalone BNPL players, Qist is deeply integrated into the Nuqta ecosystem, providing unique advantages that competitors cannot replicate.
Instant Merchant Network
All existing Nuqta corporate partners become Qist merchants.
Nuqta+ Cross-sell
BNPL users convert to premium membership.
Coin Economy
Use Nuqta coins as down payment or earn on purchases.
Ecosystem Synergy
Deep integration with Sakin, Nuqta+ and rewards.
Hawil Card Payment
Pay installments with Hawil Card - tourists get Google rate on every payment.