PARTNER PROGRAMME
1.3 million civil servants, ready to buy from you.
An instalment plan of up to 5 years breaks premium price tags into small monthly commitments — making big-ticket purchases easier for more of your customers to say yes to.
1.3M+
Malaysian civil servants reachable through the programme
5 yrs
Tenures of up to 5 years — competitive in the market
Shariah
Built on a Shariah-compliant financing structure
Why partner with PostPay
Add PostPay at checkout and open your catalogue to 1.3 million civil servants — with an instalment plan that helps more of them buy, and buy bigger.
Another way to pay at checkout
Offer Pascara-i alongside your existing payment methods. Customers who’d rather spread the cost get a simple monthly instalment plan at the point of sale — no credit card needed.
Make the bigger purchase easier
A tenure of up to 5 years — among the longest available — breaks a premium price into a small monthly number, making higher-value items easier for customers to choose.
A complement, not a replacement
For customers with no credit card, or who prefer a Shariah-compliant plan, Pascara-i is a new path to yes. It sits alongside your existing financing — reaching customers other options may not serve, rather than reshuffling sales you already make.
Works the way your counter already knows
If your team already offers instalment financing at the counter, Pascara-i follows a similar, familiar process — no new system to learn.
You get paid — the rest is on us
Once the sale is fulfilled, you’re settled. Credit checks, non-payment and collection are our side of the table, not yours.
Bespoke arrangements
We shape terms, tenure and settlement around each brand — because we partner closely with just a handful at a time.
How the partnership works
1
Say hello
Tell us about your brand and what you sell. We’ll explore the fit together.
2
Structure terms
We design a bespoke commercial and settlement arrangement for your catalogue.
3
Integrate & launch
Enable Pascara-i in-store and online. We handle onboarding and training.
4
Sell & get settled
Customers repay in fixed monthly instalments. You’re settled once the customer collects and fulfilment is confirmed.
PROUD TO PARTNER WITH
BUILT AROUND YOU
Every partnership is shaped around you.
We work closely with a select group of established brands, giving each partnership our full attention. Everything — from commercials to settlement — is shaped around your catalogue, margins and footprint.
- A new way for customers to say yes to bigger purchases
- Commercial terms tailored to your margins and volume
- In-store and online enablement, plus staff training
- Access to a customer base of 1.3 million civil servants
Merchant FAQ
Who can become a Pascara-i partner?
We’d love to hear from you. We work with established retail chains and recognised brands, partnering closely with a select group at a time so each relationship gets our full attention.
When and how do we get paid?
We settle you after the customer collects and proof of fulfilment is uploaded. From that point the repayment is our responsibility — we take on the non-payment risk and handle credit checks and collection, so you’re not exposed to customer non-payment.
Which product categories are eligible?
High-consideration consumer goods — electronics, home appliances, furniture, wellness, mobile and lifestyle. Because Pascara-i is a Shariah-compliant structure, the goods financed must themselves be Shariah-compliant (halal) — non-permissible categories such as alcohol, tobacco, non-halal food, gambling and adult products are not eligible. Category fit is confirmed during structuring.
How long does integration take?
Integration is typically a matter of weeks, depending on scope. We support onboarding, staff training and the Shariah compliance process end to end.
FINANCING INFRASTRUCTURE
Prefer to fund your own customers?
If you already finance your own customers, you can run your book on our infrastructure and keep the returns — with access to a stable, salaried civil-servant base of over 1.3 million. You fund the customer; our platform provides credit assessment, servicing, collection and compliance underneath. Built for established players financing at scale.
- Your book, your returnsYou fund your customers and keep the collections.
- Ready-built platformCredit assessment, servicing, collection and compliance.
- Built for scaleFor established players already financing customers.
Let’s structure something bespoke.
Tell us about your brand and what you’d like to offer your customers. We’ll get back to you personally to explore how we can work together.
Thank you — we’ll be in touch.
Your partnership enquiry has been received. Our team will contact you personally to explore how we can work together.