Besides accepting cash, PERNAMA stores also accept:-

1. Credit Cards - only at limited stores.

2. KASUMA Scheme

This scheme allows soldiers to purchase electrical and households goods and repayments are deducted from salaries. The soldiers are allowed instalments up to 60 months.

3. Family Account

This scheme allows all soldiers and families to purchase groceries at PERNAMA stores nationwide. Payments are made monthly at the stores.

4. Easy Payment Scheme (EPS)

Purchases using Easy Payment Scheme are also allowed. Payment to be made by post-dated cheques, in six equal payments.