---
title: "Payflex: Buy Now, Pay Later Payments — Download"
description: "Split purchases in South Africa into 2, 3 or 4 interest-free instalments online or in store. Apply in minutes; merchants get paid upfront."
canonical_url: "https://liners.com/payflex"
markdown_url: "https://liners.com/payflex.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/payflex/screenshot.webp?v=1773064336743"
published_at: "2026-03-14T20:30:03.710Z"
updated_at: "2026-10-01T18:00:04.115Z"
---

# Payflex: Buy Now, Pay Later Payments — Download

Split purchases in South Africa into 2, 3 or 4 interest-free instalments online or in store. Apply in minutes; merchants get paid upfront.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Payflex](/payflex)

## Summary

Split purchases into interest-free instalments

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.payflex.co.za/ |
| Tagline | Split purchases into interest-free instalments |
| Primary country | South Africa |
| Platforms | Web, Android, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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).

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [BNPL](/tags/bnpl): Product feature or technology
- [South Africa](/countries/south-africa): Market

## Related pages

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

## Access and citation

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