Valu and Fawry Partner to Revolutionise Egypt’s Fintech Landscape with BNPL Integration

Mohammed Fathy

Last updated 12-05-2026

4 min

Valu and Fawry will integrate buy-now-pay-later into the myfawry app.

Users can “split payments” on bills, school fees and travel bookings.

Valu expands its digital footprint while Fawry broadens its payments reach.

Executives hail an “important milestone” for Egypt’s digital transformation.

Success now hinges on smooth integration and genuine customer benefit.

Valu and Fawry are joining forces in a move that could make everyday payments in Egypt a little less of a faff. The two fintech heavyweights have signed a strategic partnership that will see Valu’s flexible financing solutions integrated directly into the myfawry app, giving users a new way to pay in instalments for a wide range of services.

In simple terms, myfawry users will now be able to tap into Valu’s buy-now-pay-later style options when settling bills and paying for services through the app. It’s another step in Valu’s push to expand its digital footprint and make financing more accessible, while Fawry strengthens its position as a one-stop shop for electronic payments.

Omar Abdelhady, Chief Growth and Product Officer at Valu, described the partnership as an important milestone in supporting Egypt’s digital transformation. He said the aim is to give a broader segment of users access to flexible and secure financial solutions, delivered through easy-to-use payment plans that help customers manage their purchases more comfortably. He also pointed to the integration of advanced tech platforms with smart financing tools as a practical model for pushing financial inclusion forward.

From Fawry’s side, Chief Business Officer Heba El-Awady said the collaboration aligns with the company’s ongoing efforts to support Egypt’s electronic payments ecosystem. She noted that Fawry is focused on offering flexible and secure options that respond to daily needs, while maintaining a seamless digital experience. Expanding partnerships like this, she added, reinforces Egypt’s ambitions to position itself as a regional hub for digital financial services.

For those who follow the fintech scene in MENA, this feels spot on. Egypt has been accelerating towards cashless payments for years, but adoption often hinges on convenience. If you make it easier for someone to split payments for school fees, healthcare or even travel bookings, you remove a real barrier. I remember speaking to a young founder at a Cairo event who said installment options were the only way many of his customers could afford higher-ticket services. That stuck with me. Access matters.

Valu, legally known as U Consumer Finance S.A.E. and listed on the Egyptian Exchange under VALU.CA, has built its name around consumer finance. It was the first fintech specialising in this space to list on the EGX, and Amazon holds a direct stake in the company, a detail that many in the ecosystem see as a vote of confidence. Its flagship BNPL product, launched under the “U” brand, offers financing plans of up to 60 months across more than 8,500 stores and online platforms, covering everything from electronics and home appliances to education, healthcare and even residential solar solutions.

The company has also branched into investment products, instant cash redemption and high-end financing for luxury purchases of up to EGP 60 million. Add to that its prepaid and co-branded credit cards with Visa, its B2B arm Valu Business, and its recent launch in Jordan in May 2026 under a specialised finance licence approved by the Central Bank of Jordan, and you can see it’s not standing still.

Fawry, founded in 2008, remains one of Egypt’s most recognisable fintech brands. Through a network of 36 member banks, 400,000 agents and multiple digital platforms, it processes over 6 million transactions per day, serving an estimated 54.1 million users monthly. From mobile top-ups to e-ticketing and cable TV payments, its reach is extensive, and now it’s adding flexible financing into the mix through this tie-up.

That said, partnerships are easy to announce and harder to execute. The real test will be how smoothly the Valu option is embedded into the myfawry journey and whether customers genuinely find it helpful rather than confusing. Still, I reckon the logic is sound. When two established players combine payments infrastructure with structured financing, it can unlock serious value for everyday users.

And believe it or not, these incremental shifts, one integration at a time, are what slowly reshape financial habits. It’s not always flashy. It’s gradual. But for Egypt’s digital economy, definately meaningful.

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