What exactly is the Deema Payment Service?

The Deema Payment Service is a collaborative effort between Alfuhod and Deema BNPL, designed to make shopping more flexible by allowing customers to complete their purchases instantly and pay later in convenient monthly installments.

Benefits:

• Shop today and spread your payments across easy monthly installments.

• Fast and seamless approval process integrated directly at checkout.

• Flexible repayment options designed to fit your budget.

Terms & Conditions:

1. The service is exclusively available on alfuhod.com.

2. It applies to all product categories offered by Alfuhod. Except Apple products and Digital cards.

3. The minimum invoice amount eligible for Deema payment is KD 10, while the maximum is KD 1000.

4. Items purchased using Deema are subject to Alfuhod’s return and exchange policy. Refund adjustments, if applicable, will follow Deema’s installment terms.

5. Alfuhod bears no responsibility for technical issues related to the Deema app, platform, or payment gateway.

6. Approval limits for future purchases may be influenced by your payment history with Deema.

7. Reasons for rejection may include:

   • Negative balance or insufficient credit limit

   • Late payments on previous purchases

   • Exceeding purchase eligibility limits

   • Failure in account verification or ID validation

FAQs:

Eligibility:
The Deema Payment Service is available to all residents and citizens with a valid mobile number, Kuwait Civil ID, and a supported payment method.

Purchase Limits:
Eligible purchases start from KD 10 up to KD 1000 per transaction.

Payment Methods:
Deema accepts major debit and credit cards (Visa, Mastercard, KNET), subject to approval.

Approval Factors:
Deema’s approval process depends on payment history, credit eligibility, outstanding balance, purchase value, and internal risk checks.

Early Payments:
Customers can pay installments earlier without extra fees.

Missed Payments:
Missed or late payments may incur penalty or collection charges as per Deema’s policy.

Refunds:
Refunds are processed according to Alfuhod’s return policy. Deema will adjust the remaining installment plan accordingly.
Please allow 2–5 business days for refunded amounts to reflect in your account, depending on your bank’s processing timeline.