Shariah-aligned BNPL
BNPL consistent with your faith.
PayEman is an early-stage ethical payment proposition built around transparent instalments, no interest, and no hidden costs.
Example plan
Essential purchase
Today£100
Month 2£100
Month 3£100
No interest. No hidden charges. Clear from day one.
About PayEman
Building the ethical BNPL alternative for Muslim communities.
PayEman is an early-stage fintech proposition created to give Muslim consumers and community-focused merchants a more transparent alternative to conventional Buy Now, Pay Later.
We are building a Shariah-aligned payment model that avoids interest-based lending and hidden charges, using a clear purchase-and-resale structure where the customer knows the full price, repayment schedule and commitment before checkout.
Our mission is bigger than instalments. PayEman is designed to support essential household purchases, charitable giving, Muslim businesses and financially underserved communities with a fairer, clearer and more values-led way to pay.
Products
PayEman Card
A Visa-powered card designed for ethical, transparent spending — giving customers flexibility after purchase without hidden costs.
Visa-powered card
Pay Your Way, Ethically
Spend anywhere, then choose how to pay — with full transparency and no hidden costs.
Spend Anywhere
The PayEman Card works anywhere Visa is accepted — online, in-store and contactless.
Post-Purchase Flexibility
After payment, the transaction appears in the PayEman dashboard where users can pay immediately or split into fixed instalments.
Simple Repayments
Repayments are collected from the user’s linked bank account or debit card with clear schedules and no compounding charges.
Ethical by Design
No interest-based compounding, transparent upfront pricing, and built in line with ethical finance principles.
Full Control in App
Track spending, manage repayments, view upcoming payments and stay in control from one PayEman dashboard.
PRODUCT
PayEman Remittance
Send With Faith
Transparent cross-border payments for families, students and communities. Fair exchange rates, clear fees and values-led transfers built around trust.
Clear feesNo hidden charges
Fair FXTransparent pricing
Purpose-ledFamily, charity & community
Send Money
🇬🇧 You send£1,000.00
🇧🇩 They receive৳134,850
Built for families sending with trust.
POPULAR CORRIDORS
Send money across trusted Muslim-majority corridors
Starting with high-need family, education and community corridors, with more destinations planned.
🇬🇧 → 🇧🇩
United Kingdom to BangladeshFamily support, education and community giving🇬🇧 → 🇵🇰
United Kingdom to PakistanTransparent transfers for loved ones abroad🇬🇧 → 🇸🇦
United Kingdom to Saudi ArabiaFuture Hajj, Umrah and family support journeys🇬🇧 → 🇦🇪
United Kingdom to UAEPersonal and business transfer use cases🇬🇧 → 🇹🇷
United Kingdom to TurkeyEducation, healthcare and family needs🇬🇧 → 🇲🇾
United Kingdom to MalaysiaStudent and family payment flows💳
Transparent Fees
No hidden charges. Customers see the fee and expected receive amount before sending.
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Fair Exchange Rates
Clear FX pricing designed around trust, transparency and long-term customer confidence.
👨👩👧
Family First
Built for everyday family support, education payments, medical help and community needs.
🤲
Purpose-Led Payments
Future sadaqah, zakat, waqf and charity round-up features designed into the product vision.
Family Support
Send money home with clarity, care and reliability.
Education Payments
Support tuition, books and student living costs abroad.
Healthcare Support
Help relatives during urgent medical moments.
Hajj & Umrah Savings
Future dedicated savings and transfer journeys.
FUTURE VISION
The Future of Faith-Led Global Transfers
Charity Round-Ups
Zakat Distribution
Digital Waqf
Community Funds
Business Payments
Ethical Financial Ecosystem
Use cases
Designed for responsible, real-world purchases.
PayEman focuses on meaningful use cases where transparent instalments can support families, communities and essential needs — not impulse spending.
01
Flexible charitable giving
Support causes through structured giving via mosques and charities.
Examples: Islamic Relief, local mosques, community charities
Choose cause→Review plan→Confirm
Cooker
Purchase essential kitchen appliances responsibly.
Examples: Amazon, Argos
Browse→Checkout→Choose PayEman→Confirm
Freezer
Replace urgent household appliances with clear instalments.
Examples: Amazon, eBay, Argos
Browse→Checkout→Choose PayEman→Confirm
Sofa bed
Furnish your home with planned, transparent payments.
Examples: Wayfair, IKEA
Browse→Checkout→Choose PayEman→Confirm
How it works
A clear Murabaha-style purchase flow.
PayEman is designed around a Shariah-aligned purchase model rather than a traditional interest-based credit facility.
You choose PayEman
At checkout, you select PayEman and review payment terms upfront.
PayEman buys the item
PayEman, or its partner, purchases the product on your behalf.
Sold back transparently
The item is sold to you at an agreed price, including a clear profit margin.
You pay in instalments
You repay over an agreed period, usually 3–12 months, with no interest or hidden costs.
Simple version: PayEman buys the product first, sells it to you at a transparent agreed price, and you repay through fixed instalments.
Compliance & Regulation
Built with responsible regulation in mind.
PayEman is being structured in line with UK regulatory expectations and ethical finance principles. FCA considerations and Shariah certification are currently in progress with a reputable Shariah board.
The product model is being designed with reference to AAOIFI standards to support transparency, fairness and avoidance of interest-based structures. Formal approvals, certifications and emblems will only be displayed once confirmed.
About
Our Founders
PayEman is being built by founders with experience across community commerce, Islamic finance and payments infrastructure.
Atique Alahi
Co-Founder & CEO
Atique is an entrepreneur with a track record of building and scaling businesses within the UK Muslim community. His work spans community-led initiatives, Muslim charities and a multi-million pound food delivery business, with a focus on practical, ethical solutions for Muslim consumers and businesses.
Muhammad Fuad
Co-Founder & CTO
Muhammad brings experience across Islamic finance and payments infrastructure. He holds a Master’s degree in Islamic Finance from the UK and has undertaken the AAOIFI Certified Shariah Standards (CSA) programme, giving him a strong grounding in Shariah-aligned financial principles.
He has also worked within large-scale payment environments, including Amazon, and is now focused on building accessible, ethical financial products for the Muslim community.
Investor Relations
Early supporters
PayEman is supported by UK-based South Asian businesses who believe in building ethical, transparent financial solutions for the community. These early supporters have expressed intent to integrate PayEman into their online checkout flows once the product goes live, reflecting both commercial alignment and a shared mission to support financially underserved communities.
If you are interested in becoming an early investor in PayEman, please contact us through the waitlist form, email us directly (payeman.team@gmail.com), or call our UK business line (+44 7368 148735). We welcome conversations with values-aligned partners who understand the opportunity to build ethical, community-first financial infrastructure.
Press
Press updates coming soon.
Future announcements, articles and media coverage will be published here.
Demo Login
Customer dashboard preview
A simple preview of how PayEman customers could manage spending limits, instalments and repayments from one dashboard.
Customer profile
£1,000 limit
Abdullah
Spent£420
Left£580
Next payment£140
Spending profile: household essentials, charity giving and planned purchases.
Customer profile
£600 limit
Fatima
Spent£180
Left£420
Next payment£60
Spending profile: modest instalments, essential items and upcoming repayments.
Early access
Join the PayEman waitlist.
Join more than 1,500+ people who have already signed up to the waitlist. Register your interest as a customer, merchant, investor or community organisation and be among the first to hear about future launches.