What is PayJustNow and how does it work?

PayJustNow is South Africa's buy now, pay later service that lets you split purchases into three interest-free instalments or 12 monthly payments. You pay the first instalment at checkout from your bank card, with the rest automatically debited on your nominated payday or the following month to align with your salary.

How much does PayJustNow cost?

PayJustNow has no setup fees, monthly service fees, or interest for on-time payments. Merchants pay a small transaction fee when processing orders.

What countries does PayJustNow operate in?

PayJustNow operates in South Africa.

How do I sign up for PayJustNow?

Sign up through the PayJustNow app or website, provide your details including nominated payday, and complete verification. Once approved, you receive a spending facility and can shop at participating online or in-store retailers by selecting PayJustNow at checkout.

Does PayJustNow have a mobile app?

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

Who is PayJustNow best suited for?

PayJustNow is best suited for individual shoppers in South Africa who want to split everyday purchases into interest-free instalments without credit card fees.

How do I contact PayJustNow support?

Contact PayJustNow support through the app, website community forum, or their help sections for queries on payments and accounts.

Does PayJustNow offer an API or integrations?

Yes, PayJustNow offers a public API. View the official PayJustNow API documentation for endpoints, authentication, and integration guides.

PayJustNow

🇿🇦 South Africa

A South African buy-now-pay-later service that lets shoppers pay in 3 or 12 instalments online and in-store at partner retailers, managed in a mobile app.

Use it on:Web iOS· 3.9 Android· 3.8 API

Is PayJustNow right for you?

Best for

South African shoppers
Online checkout splits
In-store partner shoppers
Bigger ticket buys
Mobile-first payers

What it does well

3 or 12 instalments
Pay in-store
Pay online
Partner retailer checkout
App-managed repayments

Things to check

Partner store list
Instalment eligibility
Late fee rules
QR payment locations
Pricing fit

PayJustNow is a South African buy-now-pay-later (BNPL) platform for consumers who want to split retail purchases into instalments when shopping online or in-store with partner merchants.

Key capabilities include:

Pay in 3: Split a purchase into three equal payments with 0% interest and no hidden fees.
Pay in 12: Spread payments over 12 months for longer-term affordability, with interest terms that can vary by store.
QR code checkout: Use the mobile app to complete in-store payments via QR scanning (and use it for supported online checkouts).
Instant-refund Wallet: Receive eligible returns as wallet credit that can be spent again across the merchant network.

Available via mobile apps on iOS, Android, and Huawei AppGallery, with web-based checkout through participating retailer sites.

Target users include South African shoppers looking for flexible instalments, plus retailers and eCommerce merchants that want to offer BNPL at checkout.

Notable in the South African market for combining online and in-store BNPL, app-based deals at partner stores, and an instant-refund wallet that reduces waiting time compared to typical card refund timelines.

As of Jun 22, 2026, PayJustNow is rated 3.9 on the App Store from 823 reviews and 3.8 on Google Play from 3.9K reviews with 1M+ installs.

Phone:+27 21 300 2152

Social Links:

Categories:

Fintech

Features & Business Model:

b2c bnpl qr-payments