What is Airapay?
AiraPay is a Shariah-compliant buy now pay later (BNPL) solution that allows you to pay for your purchases in instalments.
Who manages AiraPay?
AiraPay is a subsidary of Aira Fintech Sdn Bhd
Does AiraPay comply with Shariah laws?
Yes, it does. Our Shariah advisory follows the Masryef advisory.
How do I sign up as a user?
You can register on our website before or when you purchase a product at our partnering merchant site.
How do I change my user details?
You can change your details at the dashboard located in the user profile section.
Why am I being asked for my Identity Card/Passport/Driver’s Licence?
Your personal details will be requested upon registration to verify your identity. This is to avoid any identity theft/fraud.
What documents do I need to make purchases with AiraPay?
No documents are necessary for your first purchase. Just use your debit or credit card for your first transaction.
How do I increase my spending limit?
To increase your spending limit you will be asked to upload documents for proof of income, i.e. bank statements, salary slip, utility bill. It’s not compulsory to upload any of these documents however, the more information we get, the easier it is for us to provide a higher spending limit.
What is the interest rate on purchases made via AiraPay?
No interest fees will be charged with AiraPay as it is an interest free solution.
How would I be charged for late payments?
AiraPay does not have any late payment charges. You will only need to pay the service fee that was waived in the 3 instalment payments if you lapse the date of your scheduled payment.
Do I qualify as an AiraPay user?
Yes, as long as you are not bankrupt and earning income you will qualify for AiraPay with a minimum spending limit. We thoroughly assess all our customers’ ability to pay back to maintain high standards and integrity in the industry.
Is AiraPay only for Muslim consumers?
No, AiraPay is for all Malaysians and it not confined to race or religion.
How is AiraPay different from the other digital credit payment system?
While other digital credit systems provide personal loans, AiraPay only provides the option to split your purchases into 3 instalment payments at the merchants checkout page.
How would the profits from my purchases be disbursed?
We charge our partnering merchants a small fee for every successful purchase made.
Where can I see my spending details, i.e. purchases, balance credit owed?
You can view your spending limit and all transaction details in your user dashboard
Can I use AiraPay for Zakat purposes?
No, you can’t use AiraPay for Zakat payments
Can AiraPay help me manage my debt?
Yes. For any assistance in managing your debt please email us at customercare@Airapay.my