PayJustNow lets shoppers split purchases into instalments at participating online and in-store retailers in South Africa. With Pay in 3, one third is charged at checkout and the other two payments are automatically collected on the shopper's salary date. The option is listed at no cost, with 0% interest and no fees when paid on time. Signing up for Pay in 3 requires a valid South African ID, a South African cellphone number and email address, and a South African-issued Visa or Mastercard. Pay in 12 spreads a purchase across 12 monthly payments, with the first paid upfront and the remaining 11 collected by debit order. Its personalised interest rate is shown when opening an account, and it is available for online purchases at participating partner stores across South Africa. The Android, iOS, and web app includes QR checkout, exclusive offers, in-app support, and a wallet for store-approved returns. Late or missed payments can bring fees, and missed Pay in 12 payments may be reported to the Credit Bureau. Merchants can offer PayJustNow as a payment method; signup has no setup or monthly service fee, while processed orders incur a transaction fee.
Who it is for
PayJustNow is for shoppers in South Africa who want instalment options at participating retailers. Merchants can also use it to offer shoppers three interest-free payments, subject to a transaction fee on processed orders.
What is good
- Pay in 3 splits purchases into three payments.
- Pay in 3 has no fees when paid on time.
- Pay in 12 offers 12 monthly payments.
- App includes QR checkout and in-app support.
- Available on Android, iOS, and the web.
What to know first
- Pay in 3 requires a South African ID and payment card.
- Pay in 12 has a personalised interest rate.
- Late or missed payments may incur fees.
- Missed Pay in 12 payments may be reported to the Credit Bureau.
Verdict
PayJustNow offers two instalment schedules for purchases at participating South African retailers, with the terms differing between Pay in 3 and Pay in 12. Check eligibility and payment consequences before choosing a plan.
Get started with PayJustNow
- Visit https://payjustnow.com/ or use the Android or iOS app.
- For Pay in 3 signup, have a valid South African ID, cellphone number, email address, and South African-issued Visa or Mastercard.
- Choose PayJustNow at a participating retailer’s checkout.
- For Pay in 12, shop online at a participating partner store and review the personalised interest rate when opening an account.
- Merchants can use the business support link to get started with integration.
Limits to know first
Pay in 3 is available to South African shoppers who meet its signup requirements. Pay in 12 is available online at participating partner stores, and its personalised interest rate is shown when opening an account; missed payments may result in fees.
Questions about PayJustNow
Is PayJustNow free?
Pay in 3 is listed at no cost, with 0% interest and no fees when paid on time. Pay in 12 has no listed price and shows a personalised interest rate when opening an account.
Which platforms can shoppers use?
PayJustNow is available on Android, iOS, and the web.
Where can shoppers use it?
It is for shoppers in South Africa at participating online and in-store retailers. Pay in 12 is available for online purchases at participating partner stores.
What does Pay in 3 require?
Signup requires a valid South African ID, a South African cellphone number and email address, and a South African-issued Visa or Mastercard.
Which platforms can merchants integrate?
Listed merchant platforms are Shopify, Magento, WooCommerce, Salesforce Commerce Cloud, PrestaShop, and Salesforce.
What happens if a payment is missed?
Late or missed Pay in 3 payments may bring a small penalty fee. Missed Pay in 12 payments may incur a late fee and be reported to the Credit Bureau.
PayJustNow plans and pricing
All plansCompared on buy now, pay later platforms
- Free plan
- No
- Checkout channels
- omnichannel
- Repayment terms
- 3 instalments; 12 months
- Merchant platforms
- Shopify; Magento; WooCommerce; Salesforce Commerce Cloud; PrestaShop; Salesforce Shopstar
- Consumer regions
- South Africa
- Merchant dashboard
- Yes
