Gawan
Redefining BNPL— Smart. Simple. Salary-Backed.
Gawan helps you offer secure, flexible installment payments to your customers — without high fees or credit risk. Powered by Open Banking and real-time salary verification.
Avoid High BNBL Cost
Zero Commission Fees
Keep 100% of your sales — no more revenue loss to third-party BNPL providers.
Flexible Installment Options
Set your own interest rate — or keep it 0% to match your business model.
Faster Payouts
Get paid on your terms, with smart salary-backed installment collection.
Let Customers Pay Their Way
Instantly, Securely
Manage your risk with confidence
ِAssess each customer’s ability to pay before approving installments
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Your Business Dashboard — Real-Time. Data-Driven. Reliable.
Track sales, customer activity, and payment statuses in one secure place.
Custom Invoices
Easily generate branded, compliant invoices linked to each installment plan — powered by Gawan’s smart salary-based payment system. No hassle, just automated accuracy.
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Installments Made Easy
Customers pay over time. You collect automatically. No chasing. No stress..
Why
Gawan?
🔍 Built on Data, Not Debt
Gawan doesn’t rely on credit cards or impulse financing. We use verified income and credit insights to approve only customers who can actually pay — protecting you and your margins.
🧾 Installments Without the Interest Trap
Let your customers split payments with no hidden fees, no paperwork, and no credit risk. You decide how it works — 0% plans, custom interest, or insurance-backed protection.
🧰 Your Risk. Your Rules.
Stop handing control to third-party lenders. Gawan puts merchants in the driver’s seat — approve based on your own risk comfort or use our smart scoring model backed by Simah + salary data.
📊 Dashboards That Work as Hard as You Do
Track every riyal: upcoming payments, collection success, customer insights, and financial performance — all in one place, updated in real-time.
📦 From Schools to Stores — One Platform, Endless Use Cases
Whether you’re collecting tuition, offering monthly health plans, or selling high-ticket products — Gawan adapts to your model, not the other way around.
Designed for Saudi, Not Silicon Valley
Gawan understands local needs — Arabic UX, market compatibility, and data sources like Simah, Nafath, and salary bank accounts. Fully compliant, fully local.
Working With the Best Clients and Partners
Our Team.
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Co-Founder and COO
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Co-Founder and CSO
FAQS
Common Questions Answered
How Does Gawan Ensure Payment Security?
Gawan prioritizes security by utilizing Open Banking and thorough customer assessments to verify payments. Our cutting-edge technology ensures encrypted transactions and protects customer data.
What Businesses Can Benefit from Gawan's Services?
Gawan is tailored for schools, gyms, retailers, and salaried individuals seeking transparent and cost-effective payment solutions. Our platform caters to various businesses and individuals looking for hassle-free payment options.
Why Choose Gawan for Payment Flexibility?
Gawan stands out for its customer-centric approach, providing a compliant and reliable installment model for businesses and individuals. With our commitment to transparency and financial empowerment, we offer a secure and convenient payment experience for all users.