For offline sales

Pay Later in your offline channels

Sales-assisted, telesales, WhatsApp, in-store. Wherever your team closes, Fina closes it faster.

Enable Fina How it works
  • ✓ Shariah Compliant
  • ✓ No Late Fees
  • ✓ Live in Days
Fina pay-by-link via WhatsApp
Offline, upgraded

Close more deals. No technical lift.

Payment terms your team can offer from any channel.

Simple

No technical setup

0 code

Pay-by-link from the Fina portal. Your sales team keeps working the same way.

Fast

Paid upfront, every time

Same day

The moment a buyer confirms, you get paid in full. Same business day. No 90-day wait.

Fair

Shariah compliant. No fees.

SAR 0.00

Fully Shariah compliant. No late fees. One transparent fee — bear or pass on.

Already in your workflow

Your sales process, unchanged

WhatsApp, email, phone, in-store, ERP. Pay-by-link takes seconds. No new software.

Risk ownership

We own the risk. You own the customer.

Buyer onboarding

Fina runs real-time credit and fraud checks on every buyer. Scoring built for Saudi B2B. More buyers clear than any other provider.

Non-payment

Fina pays you instantly, regardless of whether the buyer repays. Default, fraud, late payment — all absorbed. You are never exposed.

Disputes

Buyer disputes follow your own returns policy. Fina coordinates with you. Never overrides your process.

Customer relationships

Your buyer stays your buyer. Fina does not market, does not cross-sell, does not route to competing sellers.

FAQs

Questions from offline sales teams

No. Most sellers start with pay-by-link — generate a link from the Fina portal and send via WhatsApp, email or SMS. Advanced setups plug Fina into your ERP or CRM when you are ready.
Your rep offers Pay Later as a payment option, enters the order in the Fina portal (or ERP) and sends the confirmation to the buyer. The buyer approves. You get paid after the order is delivered.
Yes. Confirm the order at your counter through the Fina portal or an integrated POS. The buyer approves on their phone. Done.
Yes. One buyer Boost works across online checkout, offline sales, telesales and in-store. Buyers do not re-apply per channel.
A processing fee like any payment method, disclosed upfront. No setup, monthly or hidden fees.
Yes. Reviewed by an independent Shariah supervisory board. No interest at any point.
Only about repayment on that specific order. Your customers are yours. Your rep's customer relationship stays intact.
Usually in seconds. Our scoring runs in real time on signals specific to Saudi B2B. Decisions land before the meeting is over.