PayJustNow
PayJustNow lets shoppers split purchases into instalments at participating South African online and in-store retailers.
What PayJustNow is
PayJustNow lets shoppers split purchases into instalments at participating South African online and in-store retailers. Pay in 3 collects one third at checkout and automatically takes the remaining two payments on the shopper’s salary date. It is listed as free, with 0% interest and no fees when payments are made on time. Signup requires a valid South African ID, a South African cellphone number and email address, and a South African-issued Visa or Mastercard. Pay in 12 divides a purchase into 12 monthly payments, with the first due upfront and the other 11 collected by debit order; its personalised interest rate is shown when opening an account. Pay in 12 is available for online purchases at participating partner stores across South Africa. The Android, iOS, and web service also offers QR checkout, in-app support, exclusive offers, and a wallet for store-approved returns. Late or missed payments may lead to fees, and missed Pay in 12 payments may be reported to the Credit Bureau.
Good
- Pay in 3 has 0% interest when paid on time
- Available on Android, iOS, and web
- Offers QR checkout and in-app support
- Pay in 12 spans 12 monthly payments
Watch out
- Pay in 3 requires South African identification and payment details
- Late or missed payments may incur fees
- Missed Pay in 12 payments may be reported to the Credit Bureau
Who it suits
PayJustNow suits eligible South African shoppers who want instalments at participating retailers. Pay in 12 is specifically available for online purchases at partner stores.
Verdict
PayJustNow offers two instalment options for shoppers using participating South African retailers. Check the eligibility requirements and possible consequences of missed payments before choosing a plan.
Plans and prices
From PayJustNow's own pricing page, checked 9 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Pay in 3 | Free | 3 instalments · 0% interest and no fees when paid on time · South African shoppers |
| Pay in 12 | Priced on request | 12 monthly payments · personalised interest rate shown when opening an account · South African shoppers |
The facts
Each one read from PayJustNow's own pages, with the date it was checked.
What it does
- Availability
- Pay in 12 is available for online purchases at participating PayJustNow partner stores across South Africa.checked 9 Oct 2026
- Developer integration
- PayJustNow provides developer tips and tools to integrate its payment system, with a business support link to get started.checked 9 Oct 2026
- Eligibility
- Pay in 3 signup requires a valid South African ID, a South African cellphone number and email address, and a South African-issued Visa or Mastercard.checked 9 Oct 2026
- Features
- The app provides fast approvals, secure QR checkout, exclusive offers, in-app support, and a wallet for store-approved returns.checked 9 Oct 2026
- Merchant fees
- Merchant signup has no setup or monthly service fees, and PayJustNow charges a transaction fee after an order is processed.checked 9 Oct 2026
- Merchant offering
- Merchants can add PayJustNow as a payment method so shoppers can divide purchases into three interest-free payments.checked 9 Oct 2026
- Missed payments
- Late or missed Pay in 3 payments may result in a small penalty fee; missed Pay in 12 payments may incur a late fee and be reported to the Credit Bureau.checked 9 Oct 2026
- Pay in 12
- Pay in 12 spreads a purchase over 12 monthly payments, with the first paid upfront and the remaining 11 collected by debit order.checked 9 Oct 2026
- Pay in 3
- Pay in 3 charges one third at checkout and automatically collects the other two payments on the shopper’s salary date.checked 9 Oct 2026
- Privacy compliance
- Its privacy policy says the company implements practices that comply with South Africa’s Protection of Personal Information Act (POPIA).checked 9 Oct 2026
- Security
- PayJustNow says it uses a PCI DSS certified service provider and uses Peach Payments and/or Stripe as its card processor.checked 9 Oct 2026
- What it does
- PayJustNow lets shoppers split purchases into instalments through participating South African online and in-store retailers.checked 9 Oct 2026
The company
- Headquarters
- 3rd Floor Sunclare Building, 21 Dreyer Street, Claremont, Western Cape, 7708, South Africachecked 28 Sep 2026
