EMBEDDED FINANCE
Pascara
Embedded financing that helps merchants convert more sales by giving eligible customers access to Shariah-compliant instalment financing at the point of purchase.
ABOUT THE PRODUCT
Pascara-i helps merchants convert more higher-value sales by giving eligible public servants access to Shariah-compliant instalment financing at the point of purchase.
Customers can spread eligible purchases over a longer repayment period through ANGKASA (SPGA) salary deduction, while the merchant focuses on the sale and fulfilment. PostPay provides the financing infrastructure, eligibility and underwriting process, servicing and ongoing financing administration.
Merchants participate without having to build their own lending operation or carry the customer financing through the full instalment tenure.
KEY BENEFITS
Close more higher-value sales. Turn affordability into conversion by allowing eligible customers to spread purchases over instalments of up to 60 months.
Reach a large, defined customer segment. Extend your offering to Malaysia's public-service market through a financing programme designed around salary-deduction repayment.
Improve affordability without discounting the product. Give customers another way to manage monthly affordability instead of relying only on price promotions or upfront discounts.
BUILT FOR HIGHER-VALUE RETAIL
Pascara-i is designed for merchants selling products where monthly affordability can materially influence the purchase decision — including consumer electronics, devices, home and lifestyle products.
By embedding financing into the sales journey, merchants can offer eligible customers a structured instalment option at the point where the purchase decision is being made.