Shariah compliant Buy Now, Pay Later (BNPL) is a financing option that allows customers to make purchases and pay for them at a later date, typically through monthly installments. However, unlike traditional BNPL options, shariah compliant BNPL adheres to Islamic principles, which prohibits interest-based transactions and promotes risk-sharing. This type of financing can be a convenient option for customers who want to make a purchase but do not have the funds available upfront, while also aligning with their religious beliefs. It can be used by retailers to increase their sales, by providing customers with a flexible payment option.