PAYFLEX SHOPPERS, WATCH THIS SPACE.
IN-STORE PAYMENTS ARE ON THE WAY!

Soon, you’ll be able to use Payflex to shop in-store.
Sign up and we’ll let you know when this is available.

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INTEREST-FREE

Every purchase you make with Payflex is interest-free.

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PAY IN 4 INSTALMENTS

Get it now, but spread your purchase across 4 equal interest-free payments, over 6 weeks.

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INSTANT APPROVAL DECISION

Apply in minutes for your Payflex account on our website or via checkout. Watch this video to learn how.

HOW IT WORKS

SHOP ONLINE.
PAY IN 4 INTEREST-FREE INSTALMENTS.

  1. Browse your favourite online stores.
  2. Choose Payflex as your payment method at checkout.
  3. Instantly create your account and complete your purchase.

STORE DIRECTORY

Browse over 1000+ online stores today.

DOWNLOAD OUR APP

Download our free app for Android or iOS.

Android
Android

NEED HELP?

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 support@payflex.co.za.

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.