CirclePay - Buy Now Pay Later

Circle Pay is Sri Lanka's Buy Now Pay Later platform, making shopping more accessible and affordable. Split your purchases into easy installments with zero interest, pay at partner merchants with a simple QR scan, and manage your finances — all in one app.

HOW IT WORKS

1. Sign up and verify your identity
2. Link your bank account or card
3. Shop at any partner merchant
4. Choose to pay in 3 to 6 monthly installments
5. Enjoy your purchase — your first payment isn't due for 30 days

ZERO INTEREST INSTALLMENTS Split any purchase into 3 to 6 monthly payments at 0% interest. No hidden fees, no surprises. What you see is what you pay.

QR CODE PAYMENTS Pay at partner merchants instantly by scanning their QR code. No cash, no fumbling with cards — just scan, choose your plan, and go.

MULTIPLE PAYMENT METHODS Link your bank account via Seylan Bank direct debit or add your credit/debit cards. Choose your preferred payment method for each transaction.

SMART SPENDING INSIGHTS Track your spending by category, view payment trends over time, and stay on top of your financial health with detailed analytics and charts.

REWARDS & REFERRALS Earn points with every transaction. Climb the ranks, unlock badges, and redeem rewards. Refer friends with your unique code and earn bonuses when they sign up.

SECURE IDENTITY VERIFICATION Your security is our priority. Verify your identity with NIC upload and face liveness detection powered by AWS. Protect your account with Face ID or fingerprint authentication.

MANAGE YOUR PAYMENTS View all your active loans, upcoming installments, and payment history in one place. Never miss a due date with clear payment schedules and reminders.

BROWSE PARTNER MERCHANTS Discover shops and restaurants that accept Circle Pay. Browse by category — food, fashion, electronics, and more.

BUILT FOR SECURITY

• Bank-level AES-256 encryption
• Face ID and fingerprint authentication
• Secure session management with inactivity timeout
• Verified identity through KYC process

CONTACT US Website: www.circlepay.lk Email: info@circlepay.lk