---
title: "Float: Interest-Free Instalment Payments"
description: "Split South Africa Visa/Mastercard purchases into 1–24 monthly instalments with zero interest and zero fees at partner merchants, online or via QR."
canonical_url: "https://liners.com/float"
markdown_url: "https://liners.com/float.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/float-copy/screenshot.webp?v=1786557004870"
published_at: "2026-08-12T17:53:59.470Z"
updated_at: "2026-10-01T08:52:47.235Z"
---

# Float: Interest-Free Instalment Payments

Split South Africa Visa/Mastercard purchases into 1–24 monthly instalments with zero interest and zero fees at partner merchants, online or via QR.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Float](/float)

## Summary

Split credit card purchases into up to 24 monthly instalments

A South African buy-now-pay-later platform that lets shoppers split Visa or Mastercard credit card purchases into up to 24 interest-free instalments at partner merchants.

## Product details

| Field | Value |
| --- | --- |
| Website | https://float.co.za/ |
| Tagline | Split credit card purchases into up to 24 monthly instalments |
| Primary country | South Africa |
| Platforms | Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Float is a South African fintech buy-now-pay-later platform for shoppers and merchants, letting customers split eligible **Visa** or **Mastercard** credit card purchases into monthly installments without interest or fees.

Key capabilities include:

- **1 to 24 monthly installments** on a single credit card purchase, with **zero interest** and **zero fees**
- **Uses an existing credit card limit**, with no new credit issued and no additional credit application
- **No sign-up and no paperwork**, customers choose installments at checkout and pay with their card
- Works **online** (select the option at checkout, choose installments, and enter card details) and **in-store** (scan a **QR code**, add purchase and personal details, choose installments, and then enter card details)

Available on **Web**, including a partner-store directory plus separate **shopper** and **merchant** login portals.

Target users include **South African consumers** who want to spread credit card spending over time, and **South African merchants** who want to offer installment payments at checkout across categories such as electronics and appliances, furniture and homeware, fashion and footwear, and leisure, sports and hobbies.

Notable in the local market, it launched in **2021**, operates across online and in-store partner networks (including brands such as iStore and Samsung), and reported **R46 million ($2.6 million) in funding in 2025**.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [B2B2C](/tags/b2b2c): Product feature or technology
- [BNPL](/tags/bnpl): Product feature or technology
- [Marketplace](/tags/marketplace): Product feature or technology
- [QR Payments](/tags/qr-payments): Product feature or technology
- [South Africa](/countries/south-africa): Market

## Related pages

- [Alternatives](/float/alternatives)
- [Reviews](/float/reviews)
- [Transparency](/float/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/float)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)