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.
This is your Team section. It's a great place to introduce your team and talk about what makes it special, such as your culture and work philosophy. Don't be afraid to illustrate personality and character to help users connect with your 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.