Valu and Alshaya Group bring flexible payments to top retail brands in Egypt

By Joan Ngulube · October 8, 2026, 12:08 AM · 3 minutes read

Valu and Alshaya Group are teaming up to let shoppers at major international brands in Egypt split their payments, both online and in stores. The move aims to change how Egyptians shop and pay.

Shoppers in Egypt will soon have a new way to pay at some of the world’s biggest retail names. Valu, a leading fintech company in the Middle East and North Africa, has joined forces with Alshaya Group, a global franchise operator. Together, they will offer flexible payment plans at Alshaya’s brands across Egypt.

Stores like H&M, Bath & Body Works, American Eagle, and Victoria’s Secret are part of the deal. Customers can use Valu’s interest-free payment options online and in person. The goal is simple. Give people more control over spending and make shopping easier, whether on a screen or in a store.

Jumia Egypt features a network of 10 BNPL providers, including Valu, making it the largest such partnership network in Egyptian e-commerce.

Alamrakamy

Retail and fintech converge in Egypt

Valu’s tech will now work inside Alshaya’s wide retail network. This partnership aims to create a smooth experience for Egyptian shoppers. Demand for flexible, digital payments is rising fast. People want more options. Retailers are changing to keep up.

Habiba Naguib, Chief Market Expansion and Strategy Officer at Valu, called the partnership a big step for the company. She said, “By integrating flexible financial solutions into the shopping journeys of leading brands, we are not only enhancing the customer experience but also contributing to the continued evolution of Egypt’s digital payments and retail landscape.”

More choice for Egyptian shoppers

Francois Orhan, Vice President, Loyalty, Payments & Data at Alshaya Group, pointed to customer convenience. “Our partnership with Valu brings greater flexibility to the way customers in Egypt can shop and pay, both in-store and online. By combining our portfolio of leading international brands with Valu’s innovative payment solutions, we are creating a more seamless omnichannel experience and giving customers greater choice in how they manage their purchases,” Orhan said.

Alshaya Group has been actively investing in Egypt, including the launch of a global Talent Centre and a memorandum of cooperation in operations, IT, engineering, and R&D, as reported in October 2026.

Conven

Egypt’s retail and payment scene is changing fast. Digital solutions are now part of daily life. With interest-free payment plans at big-name stores, Valu and Alshaya Group are moving to the front of this shift. They are connecting shoppers, retailers, and fintech in a market that is going digital at speed.

This is not a distant promise. It is happening now. Flexible payments, both online and in-store, are becoming the norm. Valu’s deal with Alshaya Group shows that digital access and payment choice are now basic expectations for Egyptian shoppers.

Valu faces tough competition. At least nine other BNPL providers operate in Egypt, including Souhoola, Aman, TRU, Contact Now, Forsa, Premium Card, Halan, Klivvr, and Mogo. All are also part of Jumia Egypt’s partner network, according to reporting by Alamrakamy.

Business media describe Valu as a consumer lender. Its business depends on the quality and financing of its loan book. Loan repayment rates are seen as key for long-term success, as noted by EnterpriseAM analysis.

Topics: Technology E-commerce #Egypt

Author

Joan Ngulube

Joan Ngulube is the Technology, Society & Future Economies Editor at The Africans Time. She covers technology, digital infrastructure, fintech, demographic change, climate and the energy transition, focusing on how these shifts affect people, businesses and economies across Africa.