---
title: "PayJustNow: Buy Now Pay Later in South Africa"
description: "Split purchases in South Africa into 3 equal payments at 0% interest and no hidden fees, or pay over 12 months; QR in-store checkout + refund wallet."
canonical_url: "https://liners.com/payjustnow"
markdown_url: "https://liners.com/payjustnow.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/payjustnow/screenshot.webp?v=1773038855435"
published_at: "2026-03-14T11:06:54.690Z"
updated_at: "2026-10-05T05:12:03.371Z"
---

# PayJustNow: Buy Now Pay Later in South Africa

Split purchases in South Africa into 3 equal payments at 0% interest and no hidden fees, or pay over 12 months; QR in-store checkout + refund wallet.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [PayJustNow](/payjustnow)

## Summary

Split purchases into 3 or 12 flexible payments

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.payjustnow.com/ |
| Tagline | Split purchases into 3 or 12 flexible payments |
| Primary country | South Africa |
| Platforms | iOS, Android, Web, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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.

## Features

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

## Related pages

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

## Access and citation

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