What is Payflex and how does it work?

Payflex is a Buy Now, Pay Later (BNPL) service that lets you shop at participating retailers and pay in interest-free installments, typically over 4, 3, or 2 payments spanning six weeks. You select Payflex at checkout, create an account if needed, choose your payment plan, and make the first payment to receive your purchase while spreading the rest over time.

How much does Payflex cost?

Payflex is interest-free and has no fees if you pay on time. Late payments may incur charges, and spending limits apply based on your payment history.

What countries does Payflex operate in?

Payflex operates in South Africa.

How do I sign up for Payflex?

You can sign up for Payflex by downloading their mobile app or by completing the online registration form on the official Payflex website.

Does Payflex have a mobile app?

Yes, Payflex is available on iOS and Android. You can download Payflex on the App Store for iPhone, or get it on Google Play for Android.

Who is Payflex best suited for?

Payflex is best suited for individual consumers in South Africa seeking flexible, interest-free installment payments for everyday purchases like gadgets, groceries, or clothing without access to traditional credit.

How do I contact Payflex support?

You can contact Payflex support by emailing support@payflex.co.za or using their customer support portal, and they also provide phone support during business hours.

Does Payflex have a plan for teams or businesses?

Yes, Payflex offers merchant/business solutions where companies can integrate Payflex as a payment option for customers, including online and in-store payment products.

Does Payflex offer an API or integrations?

Yes, Payflex offers integrations with payment gateways and platforms like Netcash for merchants to enable it at checkout.

Payflex

🇿🇦 South Africa

A South African buy now, pay later platform for shoppers and merchants, letting customers pay in 2, 3, or 4 interest-free instalments online or in store.

Use it on:Web Android· 4.2 iOS· 3.6

Payflex is a South African buy now, pay later (BNPL) payment platform for shoppers who want to split purchases into instalments, and for merchants that want to offer BNPL at checkout online or in store.

Key capabilities include:

Flexible instalments: customers can pay once-off or split a purchase into 2, 3, or 4 interest-free instalments.
Fast sign-up and approval: shoppers can apply and get set up in minutes via the website or during checkout.
Store discovery and in-store support: a store directory helps customers find participating merchants by category, including fashion and apparel, beauty, tech and electronics, home, fitness and wellness, appliances, food and beverage, and in-store options.
Merchant settlements: the platform pays merchants upfront and provides daily bank settlements; merchants pay transaction fees on successful orders and no setup fees.

Available on Web, Android (Google Play), iOS (App Store), and Huawei AppGallery.

It serves B2C shoppers looking for interest-free instalment payments and B2B merchants in South Africa that want to add BNPL as a payment method.

Notable in the South African market for its broad retail coverage across multiple categories and for being acquired by Zip (Australian BNPL company).

As of Jun 22, 2026, Payflex is rated 3.6 on the App Store from 677 reviews and 4.2 on Google Play from 3.2K reviews with 1M+ installs.

Phone:+27 10 444 0004

Social Links:

Categories:

Fintech

Features & Business Model:

b2b2c bnpl