Central Bank of Kuwait (CBK)
Do I need approval to offer BNPL in Kuwait?
Content reviewed 2026-08-14 · How we check sources
Short answer
Yes. The Central Bank of Kuwait brought BNPL activity into its regulatory and supervisory framework through its electronic-payment instructions, so providers should not treat BNPL as unregulated merchant credit.
What this means
The exact structure should be checked against the CBK instructions and the role of any bank or finance-company partner.
Map who extends the credit, customer repayment obligations and merchant settlement before launching.
Official sources
Central Bank of Kuwait — Electronic Payment Instructions ↗Does your situation differ?
Map a Kuwait BNPL model ↗Ask with your entity, activity and regulator.
Regulatory research, not legal advice. This answer has the scope and review date shown above; your institution decides applicability.