Side by side
Alma 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 Web
Alma gives merchants several repayment schedules, platform integrations, and scheduled settlement. The Standard offer avoids setup and monthly fees but still charges transaction commissions.
Visit Alma
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
| Alma | PayJustNow | |
|---|---|---|
| Free plan | No | No |
| Open source | Not published | Not published |
| Runs on | 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 | almapay.com | payjustnow.com |
| On buy now, pay later platforms | #25 of 26 | #21 of 26 |
Alma: what it does well
- Omnichannel checkout
- Multiple installment and delayed-payment terms
- Connects with major commerce platforms
- Merchant dashboard included
- Standard offer has no installation or monthly fee
What to know first
- Transaction commissions apply
- No free plan
- Consumer coverage is limited to listed regions
- Custom offer targets revenue above €1 million
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 Alma Alternatives to PayJustNow The whole list