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PayJustNow
3rd Floor Sunclare Building, 21 Dreyer Street, Claremont, Western Cape, 7708, South Africa
What it is
PayJustNow lets shoppers split purchases into instalments at participating online and in-store retailers in South Africa. Pay in 3 collects one third at checkout and automatically takes the remaining two payments on the shopper’s salary date. It is listed as free, with 0% interest and no fees when paid on time. Signup 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 divides a purchase into 12 monthly payments: the first is paid upfront and the remaining 11 are 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 also offers QR checkout, in-app support, exclusive offers, and a wallet for store-approved returns. Late or missed payments may bring fees; missed Pay in 12 payments may be reported to the Credit Bureau. Merchants can add PayJustNow as a payment method, with a transaction fee after processed orders and no setup or monthly service fee. Merchant platform listings include Shopify, Magento, WooCommerce, Salesforce Commerce Cloud, PrestaShop, and Salesforce.
For and against
For
- Pay in 3 has 0% interest when paid on time
- Pay in 3 uses salary-date collections
- Offers QR checkout and in-app support
- Available on Android, iOS, and web
Against
- Pay in 3 requires South African ID and card
- Pay in 12 has a personalised interest rate
- Missed payments may incur fees
- Missed Pay in 12 payments may reach the Credit Bureau
The verdict
PayJustNow offers two repayment schedules for purchases at participating South African retailers, with different collection terms. Shoppers should check the eligibility requirements and payment consequences, especially for Pay in 12.
Who it suits
PayJustNow suits South African shoppers who meet the Pay in 3 signup requirements and want to split purchases at participating retailers. Its Pay in 12 option is for eligible online purchases at partner stores across South Africa.
Plans and prices
Pay in 3
3 instalments · 0% interest and no fees when paid on time · South African shoppers
Read 9 Oct 2026 · payjustnow.com
Pay in 12
12 monthly payments · personalised interest rate shown when opening an account · South African shoppers
Read 9 Oct 2026 · payjustnow.com
On the record
- Availability
- Pay in 12 is available for online purchases at participating PayJustNow partner stores across South Africa.payjustnow.com · read 9 Oct 2026
- Developer integration
- PayJustNow provides developer tips and tools to integrate its payment system, with a business support link to get started.payjustnow.com · read 9 Oct 2026
- Eligibility
- Pay in 3 signup requires a valid South African ID, a South African cellphone number and email address, and a South African-issued Visa or Mastercard.payjustnow.com · read 9 Oct 2026
- Features
- The app provides fast approvals, secure QR checkout, exclusive offers, in-app support, and a wallet for store-approved returns.payjustnow.com · read 9 Oct 2026
- Merchant fees
- Merchant signup has no setup or monthly service fees, and PayJustNow charges a transaction fee after an order is processed.payjustnow.com · read 9 Oct 2026
- Merchant offering
- Merchants can add PayJustNow as a payment method so shoppers can divide purchases into three interest-free payments.payjustnow.com · read 9 Oct 2026
- Missed payments
- Late or missed Pay in 3 payments may result in a small penalty fee; missed Pay in 12 payments may incur a late fee and be reported to the Credit Bureau.payjustnow.com · read 9 Oct 2026
- Pay in 12
- Pay in 12 spreads a purchase over 12 monthly payments, with the first paid upfront and the remaining 11 collected by debit order.payjustnow.com · read 9 Oct 2026
- Pay in 3
- Pay in 3 charges one third at checkout and automatically collects the other two payments on the shopper’s salary date.payjustnow.com · read 9 Oct 2026
- Privacy compliance
- Its privacy policy says the company implements practices that comply with South Africa’s Protection of Personal Information Act (POPIA).payjustnow.com · read 9 Oct 2026
- Security
- PayJustNow says it uses a PCI DSS certified service provider and uses Peach Payments and/or Stripe as its card processor.payjustnow.com · read 9 Oct 2026
- What it does
- PayJustNow lets shoppers split purchases into instalments through participating South African online and in-store retailers.payjustnow.com · read 9 Oct 2026
