Payflex offers the first truly free payment plan in South Africa. Check out with Payflex and pay only 25% of the purchase price today. Your goods are shipped immediately, and you pay the rest over 6 weeks at no additional cost (zero fees, zero interest*).

Payflex is not a credit provider. Payflex provides interest and charge-free payment plans for low-value amounts over 6 weeks. This is commonly referred to in the industry as BNPL (Buy Now Pay Later) services. If one does not meet the required instalment dates, penalties are incurred, but not in the form of interest.

* Default fees apply if you miss a payment.

It’s super easy! We pride ourselves on simplicity and making payments hassle-free. To apply for your Payflex account, simply select Payflex as your payment method at checkout, provide your ID number, and we’ll assess you in seconds. No documentation required. It’s that simple.

Absolutely. Payflex is an established payments company that is part of the Zip Co Ltd. group listed in Australia. All payments are processed through state-of-the-art, PCI-compliant payment systems that ensure the security of your payments.

That’s right, and we’ll shout it from the rooftops! THERE REALLY ARE NO INTEREST OR EXTRA FEES. Simply put, we’re not like your traditional finance companies. We believe in giving you the choice to get it now and pay later! Pay your scheduled payments on time and you’ll pay the original price your item was advertised for. It does sound too good to be true, doesn’t it? Well, it’s not. There’s only one time you would ever pay more…and that’s if you miss a scheduled payment. Then, sadly, we’ll have to charge a R85.00 (incl. VAT) default fee to cover our costs and a further R85.00 (incl. VAT) for every week the instalment is outstanding for a maximum of three (3) charges. So, to avoid the drama, just make sure you have money in your account in advance of your scheduled instalment. We’ll email you in advance every time as a reminder.

If it’s your first ever time using Payflex, welcome! We’ll just need to iron out some small details (you know, the usual: name, mobile number, email address, and South African ID number) then we’ll do a quick automatic credit and ID assessment to check that you are who you say you are and all that! Our system does this instantly and, if all is good and you agree to the payment schedule, you can make your first payment with any debit, credit, or cheque card. We accept all Mastercard and Visa cards.

That depends on you. Are you over the age of 18? Do you have a South African-issued Visa or Mastercard debit, cheque, or credit card? Do you live in sunny South Africa and have a good credit history (which our automated system will review when you sign up)? Then you should be good to go!

Obviously, we want you to spend as much as you want to, but someone has to be the grown-up. Your spending limit is based on a few factors, but basically, it comes down to your payment behaviour. We’re in this together, so if we see you’ve got our back and keep a good repayment history with Payflex, then we’ll happily increase your spending limit. So, in a nutshell, keep up with your payments. Keeping your score healthy is a two-way street, so if you miss or default on your Payflex payments, we may decrease your spending limit. So make sure you pay on time. 

The best way to check your current spending limit is to download the latest version of the Payflex App on the Apple App Store,  Google Play or Huawei AppGallery and pay that way. The limit is shown on the top left corner of the App once you have logged in.

If you’re a first-timer with Payflex, then you’ll have to hang tight until your second scheduled payment has been paid. After that, you can go multiple-order crazy.

Yes! We will be BFFs forever!  Make a manual payment at any time by logging in to our Customer Portal. Go to Payments, and look for the Pay button (which shines brightly next to any upcoming or overdue payments). Simply hit this button to make a payment using your debit, cheque, or credit card.

Have a look at the full FAQ here: https://payflex.co.za/shopper-faqs/