B2B Pay Later · Built for Saudi businesses

Offer Pay Later. Get paid today. Keep your customer.

Your buyers come with a Fina Liquidity Boost they spend with you. You get paid upfront. Your customer relationship stays yours.

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  • ✓ +31% Conversion Uplift
  • ✓ +23% Average Order Value
  • ✓ Shariah Compliant
Fina for Sellers - Pay Later in your checkout
Our promise

Fair. Fast. Yours.

A new standard for how Saudi businesses get paid.

Fair

Shariah compliant. No fees.

SAR 0.00

Fully Shariah compliant. No late fees for buyers. Only a flat processing fee, no hidden charges.

Fast

More buyers qualify, faster

+31%

Proprietary Saudi B2B scoring. More of your buyers get approved. +31% conversion, +23% higher order value.

Yours

Your customer stays yours

100%

Fina works in the background. Buyers see your brand, your invoices, your data. Never routed elsewhere.

Where it works

Fina Pay, already in your channels

Online checkout, in-store, telesales, ERP. Fina shows up where you already sell.

ERP & Checkout

Pay Later in ODOO, Salla, Zid, Shopify and custom carts.

POS & In-Store

Confirm at the counter via Foodics and your existing POS.

Marketplace

Every vendor on your platform, equipped with Pay Later.

Telesales & WhatsApp

Pay-by-link from the Fina portal. Send via chat, email or SMS.

Your buyers choose their terms
Pay Invoice Pay in Installments Pay Account Growth

Each term priced transparently. Seller always paid upfront, same day.

Learn how buyers use Fina
Where sellers win

One platform. Every channel.

Fina fits every channel your business already runs.

For online sales

Drive checkout conversion

Offer Pay Later at checkout. Convert more. Get paid the same day.

Explore Ecommerce
For marketplaces

Scale your GMV

Equip every vendor with Pay Later. Unlock new revenue. Stay lean.

Explore Marketplace
For offline sales

Close deals faster

Pay Later for sales-assisted, telesales, in-store. No technical lift.

Explore Offline
Your control panel

Orders, payouts, buyers. One view.

Track every order from checkout to payout. Manage buyers, configure terms per channel.

Fina merchant dashboard - sales trend, settlements and top buyers Fina merchant dashboard - orders and invoices
Going live

Week one, live. Week two, paid.

Most sellers are live on their first channel in a week.

Week 1
  • ✓ Complete onboarding
  • ✓ Connect channels
  • ✓ Set default terms
Week 2
  • ✓ Activate and onboard buyers
  • ✓ First order confirmed
  • ✓ Instant payout received
Why sellers love Finapay

Growth built in. Risk removed.

Sales Team

Close more deals, faster

Offer payment terms as a growth tool. Buyers commit faster, order more.

Business Owners / Acquisition

More buyers approved

Fina pre-approves more buyers. Scoring built for B2B here — not imported from anywhere else.

Finance

Revenue recognised fast

Payouts hit instantly. No cash flow drama, regardless of buyer terms.

Operations

No fulfilment delays

Orders confirmed instantly. Payout guaranteed. Fulfilment starts immediately.

Customer Relationships

Your customer, your relationship

Fina is a payment method, not a middleman. Invisible by design.

All Roles

Nothing changes

Embedded in your existing workflow. No new tools, no new training.

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

Frequently asked questions by sellers

The moment Fina confirms a buyer order, your payout is processed that business day — regardless of the terms the buyer chose.
That sits entirely with us. Your payout is guaranteed the moment we confirm the order. Non-payment, fraud and default — all absorbed by Fina.
Like any payment method, Fina charges a processing fee, which varies with the terms the buyer picks. No setup fees, no monthly fees, no minimums. Most sellers find the uplift in order value and conversion far exceeds the fee.
Yes. Neither you nor your buyers pay interest at any point. No late fees either.
Fina is already in your workflow — online checkout, pay-by-link, sales-assisted, in-store, ERP. No new tools, no new training.
Fina does, in real time. Proprietary scoring built for Saudi B2B. If a buyer does not pass, you find out before you ship anything.
Exactly as they do today. Your returns policy applies. Fina coordinates with you and adjusts the buyer's repayment.
Yes. From your Fina Merchant Dashboard you can enable or disable terms, set defaults and apply different configurations per channel.
Most sellers are live on their first channel within a week.
No. Fina is invisible by design. We only interact with your buyer on the specific order they placed with you — to confirm the purchase and collect repayment.
Proprietary scoring built specifically for Saudi B2B. Signals that actually predict repayment for businesses here — far beyond basic bank checks. More of your buyers qualify, at amounts matching their real buying capacity.
You do. The buyer signed up with you. Their order and invoice history with you stays with you.
A buyer's Fina Boost works across the Fina network, but Fina never redirects a buyer away from you. Buyers use their Boost where they choose to shop.
A bank decision takes weeks, leans on static financials and carries a debt footprint. Fina's scoring is built for Saudi B2B, runs in real time, and is a buy-and-sell — not a loan. Most buyers get a decision in seconds.