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The Digital Lending Platform for E-commerce

ZoodPay (Tez Financial Services Limited) is a leading digital lending platform providing financing solutions to merchants and shoppers for a seamless shopping and e-commerce experience

Our Mission

Our mission is to positively impact the lives of people by providing the underbanked with democratized access to easy, affordable, and reliable financial solutions for their day-to-day lives.

About Us

ZoodPay is a leading digital lending platform for e-commerce whereby we provide lending services to merchants and consumers both, online and offline. We capitalize on a holistic ecosystem offered by the Zood Group that combines Fintech, E-commerce, and E-logistics services.

The Zood Group is headquartered in Switzerland, serving over 10 million users across the globe. The group is committed to delivering a "Swiss quality" shopping experience and cross-border services to merchants and shoppers across our fast-growing FinTech and E-commerce emerging markets."

The Products

We offer merchants and consumers access to 3 financing products: Inventory Financing for SMEs, interest-free deferred payments with 4 installments and interest-bearing loans up to 12 installments for consumers with partner banks. 

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B2B → "ZoodPay SME Inventory financing"
30 Days

fees applicable


B2C → "ZoodPay Consumer
Buy Now Pay Later"
4 installments

no fees or commissions

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B2C → "ZoodPay Consumer Credit"
6 or 12 installments

fees applicable 

Our Distribution Channels

Our lending products can be accessed through various channels which we offer through our our own online platform as well as through our group company's marketplace, ZoodMall. We also aim offer our services via partnerships through partner apps and websites as well as offline partner shops.


ZoodPay "Marketplace"

Flexible payments through ZoodMall

7m products from 30,000 sellers 


ZoodPay "Merchant"

Flexible payments online, on merchants' stores (by API)


ZoodPay "In-store"

Flexible payments in brick-and-mortar stores


Board of Directors

Experienced in fast-growing, innovative E-commerce and FinTech solutions

Corporate Information

Company Information

Name: Tez Financial Services Limited

Type: Public Unlisted Company

Registration Number: 0059517

Date of Registration: 8 March 2018

National Tax Number: 3186083-4

Other Information

Auditors: BDO Ebrahim & Co.

Legal Advisors: Ahmer Bilal Soofi & Co.

Industry Association: Pakistan FinTech Network

License Information

Type: Non Bank Micro Finance Company

Number: SC/NBFC-173/TFSL/2021/08

Date of Issuance: 25 October 2021

Contact Information


Phone Number: 042-111-839-839

Registered Address: 1st Floor, Plot No. 8 & 9, Mai Kolachi Bypass, Intelligence Colony, Karachi

Share Holding Pattern

Corporate: 100.00%

Individuals: 0.00%

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In case your complaint has not been properly redressed by us, you may lodge  your  complaint  with  Securities  and  Exchange  Commission  of  Pakistan  (the “SECP”). However, please note that SECP will entertain only those complaints which were at first directly requested to be redressed by the company and the company has  failed  to  redress  the  same.  Further,  the  complaints  that  are  not  relevant  to SECP’s regulatory domain/competence shall not be entertained by the SECP

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Flexible payment with ZoodMall Marketplace

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