Your customers can now shop using Payflex in your store, at 0% interest.


Our partners experience significant growth when they integrate Payflex.
Here are some of the great results we’ve seen:

Increase sales
Increase sales
Increase sales


Payflex transactions are settled daily into your bank account.
We take on all the risk, both credit, and fraud, so once the transaction is approved, you’re guaranteed payment.
Integrate Payflex and say ‘goodbye’ to credit card chargebacks.


We already integrate with many leading eCommerce platforms which makes getting started easy and fuss-free.

Not a ‘plug and play’ type? Our ‘by developers for developers restful API’ allows you to easily control your own online integration and add the payment gateway.

Payment Gateway

What is an eCommerce payment gateway?

In order for customers to receive credit and debit card payments on your website, you will need an eCommerce payment gateway. Using the payment gateway, customers can enter their credit or debit card details to pay for goods or services on your site. The gateway then connects to the bank to ensure the customer has sufficient funds and carries out the transaction.

Having a safe, secure payment gateway up and running on your site is essential to running a successful eCommerce site.

What is the best Payment Gateway for eCommerce?

As an established and innovative payment gateway, Payflex has gone to great lengths to ensure their payment gateway will work seamlessly through both high and low volume days.

Customers sign up to Payflex in only four clicks, and can simply ‘Payflex’ their next purchase with a single click that will reduce abandoned carts by 40%.

How Does The Payflex Payment Gateway Work?

  • The customer makes a purchase online and their details are submitted through the payment gateway
  • The gateway collects and transfers the information needed (Name, Card Number, CVV) to the payment processor
  • A payment processor then submits the information to the appropriate card association and checks for authenticity 
  • When authorisation is accepted, the issuing bank either approves or denies the transaction and then sends this information back to the payment processor
  • The payment processor then sends the response to the gateway, and from there, it’s forwarded back to the website.
  • The money is then accepted by the merchant’s bank and starts processing to their account

How do I choose the right Payment Gateway for my business?

When making a decision about which gateway to use, some key factors to consider include:

  • Multi-currency acceptance
  • 24/7 availability
  • PCI Compliance & 3D Secure
  • Flexible Integrations
  • Faster Checkout
  • Fastest Setup Time
  • Support Different Kinds of Payments



Apply online, get approved and become a Payflex partner in as soon as a week.


We will help you add Payflex to your checkout online and promote it to your shoppers.


Start accepting Payflex transactions. We pay you each day, direct to your bank account (EFT).


No setup fees. You’ll only pay a nominal monthly service fee, and transaction fees on successful orders.


It doesn’t matter how big or small your online store is,
Payflex can help you to increase your sales.
Complete the form and we’ll be in contact with you.


Download our free app for Android or iOS.



We’re here to make sure that your experience with Payflex is seamless.
If you can’t find the answer to your question here,
please email us on

What is Payflex?

Payflex offers the first truly free payment plan in South Africa. Check out with Payflex and pay only 25% of the purchase price today. Your goods are shipped immediately. And you pay the rest over 6-weeks at no additional cost (zero fees, zero interest*). * Default fees apply if you miss a payment.

How do I make a purchase online?

We’re sure you want the short answer – With ease!
When you’ve found the item you can’t live without – even if you’re not feeling too flush – click “add to cart” and head to the payment page (it’s the one that usually comes up after you add your info) and select Payflex as your payment method. If you’re a Payflex first-timer, we’ll need to do a painless assessment.

All we’ll need are a few personal deets like your name, email address, and ID number and our super-quick, awesome software will assess your application.

Our system works in real-time, so if everything checks out, you’ll be good to shop in less than a minute. You’ll have to agree on the instalment schedule and pay your first instalment. Then it’s business as usual, with the retailer preparing your goods for pick up or to be sent off.

Is there really no interest or fees?

That’s right and we’ll shout it from the rooftops!

THERE REALLY IS NO INTEREST OR EXTRA FEES. Simply put, we’re not like your traditional finance companies. We believe in giving you the choice to get it now and pay later! Pay your scheduled payments on time and you’ll pay the original price your item was advertised for. It does sound too good to be true, doesn’t it?

There’s only one time you would ever pay more … if you miss a scheduled payment, then sadly, we’ll have to charge a R65 (incl. VAT) default fee to cover our costs and a further R65 (incl. VAT) for every week the instalment is outstanding for a maximum of three (3) charges. So, to avoid the added drama, just make sure you have money in your account in advance of your scheduled instalment. We’ll email you in advance every time as a reminder.

What cards does Payflex accept?

You can use any Visa, Mastercard or American Express card (Debit, Credit or Cheque) to make a Payflex payment. It’s so simple.

Why wasn't my Payflex application accepted?

To take advantage of flexing the way you pay, you’ll need to meet our minimum requirements.

If you weren’t approved for a flexible payment plan then you may have a poor credit history, or no history at all. After all, we are giving you access to a free-spending plan, so our system will need to assess a number of factors to work out your spending limit.

Unfortunately, if you don’t meet them, you will be declined. It’s not that we’re being mean, just responsible. We actually have your best interests at heart, and we need to make sure our customers are all geared up to make payments on time.