Your customer pays in installments at one price — the same as cash — and you are the seller: your agreement, your customer, your own account. The merchant checkout is not built yet. This page describes the design and collects early-access interest; nothing on it is an offer.
qardon.com is not a consumer lender and is not a party to your sale. You are the seller and the creditor: the installment agreement is written in your name with our system, your customer signs it with you, and your customer pays each installment straight from his own bank to yours — never into a Fotoh account. One price, the same as cash; nothing is added for the months, and there are no late charges. Using qardon.com is free. qardon.com records the offers, the deals and the payments you confirm.
If your transactions are large enough that customers commonly ask "do you offer financing?" — this is built for you.
Dealerships, brokers, used-car dealers. The largest category by dollar volume — and the one where a car at one price, paid monthly, moves the cars that sit.
New construction, modular homes, ADU builders. Multi-stage milestone payments fit perfectly. Highest-AOV category — and the one where conventional BNPL doesn't compete.
High-end and mainstream. Your customer pays one price, the same as cash, over any term you allow.
Jewelry, watches, art, professional equipment. Faith-aligned for Muslim consumers buying wedding rings, heirlooms, fine timepieces — and competitive for every other shopper too.
Luxury used cars, RVs, boats. One price, paid over time, changes the conversation.
Elective procedures, dental, vision, fertility. One price, paid over time, with nothing added for the months and no late charges.
The same price whether your customer pays at once or monthly — and the same for every term you allow.
Plugs into Shopify, WooCommerce, custom JavaScript, REST API, iOS, Android. Live in 30 minutes for plug-and-play platforms.
At your checkout, alongside credit card and Apple Pay, a new option appears: "Pay in installments — 0% interest via qardon.com." Customer clicks.
The design is identity and creditworthiness verification in seconds, an approve / conditional / decline back to your checkout, and the customer confirming an installment schedule. The decisioning surface does not exist yet, so nothing is approved in seconds or at all today, and we are not going to describe a checkout you cannot switch on.
As designed, you are paid when the sale settles, long before the customer finishes paying. The merchant fee has not been set, so this page does not quote one. The installments would be collected on a licensed party's own rail, never through a Fotoh account. None of it is built.
Used car listed at $35,000. Customer chooses 48-month installment plan.
Living room set at $5,000. Customer chooses 12-month installment plan.
$450,000 modular home. Customer chooses 120-month installment plan.
$8,000 wedding ring. Customer chooses 24-month installment plan.
The merchant checkout is not built yet. Using qardon.com is free.
What is already decided: your customer pays 0% — one fixed total, agreed once, that never grows. Dealer and professional accounts (realtors, brokers and other licensed partners) are free — against about $2,500 a month per dealer on average at Cars.com (its Q2 2026 filing), or $300–1,000 at Zillow Premier Agent.
Some industries have unique inventory flows, financing norms, or operational integrations. We're building dedicated channels with industry-specific dashboards, DMS integrations, and partnership programs.
Give us your website and our readers bring your lot across; tick the cars you offer interest-free and they appear on qardon.com with a gold 0% mark on your own site. One price, paid monthly into your own account, or your own endowment pays your cash price the day you approve. Free for every dealer and every lot.
Multi-stage milestone payments built in. New construction, modular homes, ADU builders. Slab / framing / MEP / certificate-of-occupancy tranche settlements.
Furniture, jewelry, watches, art, professional equipment. Plug into Shopify, WooCommerce, custom JS, or REST API.
From "paste one line of JavaScript" to "build your own custom flow with our REST API."
Native Shopify app — install from the App Store, enable in checkout settings, live in 5 minutes. No code required.
Native WordPress / WooCommerce plugin — install from the WordPress Plugin Directory, configure, live.
Drop-in JavaScript snippet for any e-commerce platform — one line in your checkout HTML, one configured button, live.
For custom integrations and headless commerce. OAuth 2.0 + HMAC signing. Comprehensive OpenAPI spec.
Native iOS (Swift) and Android (Kotlin) SDKs for merchants with mobile POS apps. CocoaPods, SPM, Maven Central.
Developer-facing preview with code snippets, API endpoints, and architecture overview.
We pay you upfront. From that moment, the relationship is between us and the customer. If they hit hardship, we handle it humanely — no debt collectors, no court-ordered repossession by us. They remember you as a great sale.
Any merchant, any country, any faith. Your customer base benefits from genuinely 0% financing regardless of their faith — and your Muslim customers get the additional benefit of a faith-aligned product they don't have today.
No marketing data sale. We never sell customer transaction data to advertisers or data brokers. We only use data to operate the transaction, prevent fraud, and report to regulators.
Unlimited listings, the dealer dashboard, and the Companion that drafts and answers for you — for every lot and every person at it, with nothing to pay and no share of any sale. Compare: CarGurus averages about $2,711 a month per dealer and Cars.com about $2,500 (their Q2 2026 filings).
Join free →No card needed.
The merchant checkout is not built, and we have no date to promise you. This form records your interest so we can write to you when it opens in your category. Nothing is signed and no account opens from it.
Yes. One price, the same as cash, on every term length, every transaction, every customer. There are no late charges, no compounding if a customer falls behind, and no "promotional period" that expires. The customer pays your listed price in installments. Period.
Using qardon.com is free. Sellers and dealers pay qardon.com nothing today, against about $2,500 a month per dealer on average at Cars.com (its Q2 2026 filing).
The checkout is not built yet and we have no date to promise you. Build sequence prioritizes Custom JS embed and Shopify first, then WooCommerce and REST API, then mobile SDKs. The early-access form records your interest against your category; no reply date is promised, and joining it commits nothing on either side.
The design is settlement within a few business days by ACH or wire, and milestone tranches for construction and other multi-stage sales (slab, framing, MEP, certificate of occupancy). The checkout is not built, so no settlement time and no fee are promised here.
As designed, you are paid when the sale settles. Who bears the exposure after that is part of what has not been settled, and this page does not claim it. From the customer's side, hardship is handled humanely: grace period, restructure, Recovery referral if eligible (medical, job loss, disaster), settlement, and only as a last resort — and only voluntarily — asset return. No collections agency in your name. No court-ordered repossession by us. Your customer remembers you as a great sale, not a creditor.
No. Qardon.com Merchant BNPL is faith-agnostic on the merchant side. Any merchant, any country, any faith. The 0%-interest design is a commercial product attribute — better economics for both sides than traditional BNPL or credit-card financing. Your Muslim customers get the additional benefit of a faith-aligned product they don't have today; everyone else gets a financially better deal.
30 minutes for plug-and-play platforms — Shopify and WooCommerce have native plugins. The Custom JS embed is a single line of HTML and a configured button. REST API integration for custom or headless commerce takes longer depending on your stack. Mobile SDKs (iOS Swift + Android Kotlin) are available for merchants with native mobile POS apps. See the integration preview.