Side by side
Addi vs PayJustNow
Both stand on buy now, pay later platforms. Which one you can start free with, which one lets you read the code, and what each costs once you pay.
Paid AndroidiPhoneWeb
Choose Addi if you are a consumer in Colombia seeking installment credit or a merchant wanting to offer it at checkout. Consumers should review the rate tied to their risk profile and any optional FGA guarantee fee; merchants should request pricing details.
Visit Addi
Paid AndroidiPhoneWeb
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.
Visit PayJustNowThe facts
| Addi | PayJustNow | |
|---|---|---|
| Free plan | Not published | No |
| Open source | Not published | Not published |
| Runs on | Android, iPhone, Web | Android, iPhone, Web |
| Lowest paid plan | Free or on request | Free or on request |
| Plans published | 2 | 2 |
| Maker | Not published | Not published |
| Website | co.addi.com | payjustnow.com |
| On buy now, pay later platforms | #17 of 26 | #21 of 26 |
Addi: what it does well
- Use Addi in physical stores, online stores, and its marketplace.
- The marketplace includes more than 1,600 partner merchants.
- Repay installments through PSE, Nequi, or cash.
- Merchants can generate payment links and view reports in a portal.
- Merchant support is available daily from 8 a.m. to 9 p.m.
What to know first
- Consumer credit rates can reach 28.49% E.A. for October 2026.
- Optional FGA guarantee fees can reach 20% plus VAT.
- Pricing is on request.
- Consumer use is listed for Colombia.
PayJustNow: what it does well
- 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.
Alternatives to Addi Alternatives to PayJustNow The whole list