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payjustnow.com
PayJustNow
PayJustNow lets shoppers split purchases into installments at participating South African online and in-store retailers. Its Pay in 3 option charges one third at checkout and automatically collects the other two payments on the shopper’s salary date. Pay in 3 is listed as free, with 0% interest…
Visit payjustnow.com ↗ What it costs
- 7.7 No. 18on Buy now, pay later apps
- Pricing on requestprice, as published
- Oct 9, 2026read on
What PayJustNow costs
- Pay in 12 Not published
- Pay in 3 Free
As payjustnow.com publishes them, read Oct 9, 2026. Fees, tax and exchange rates can differ when you pay; check the provider's own page first.
Its statement
- Free plan
- No
- Free trial
- Not stated
- Runs on
- iPhone Android Web
- Facts on record
- 13
Strengths and limits
Strengths
- Pay in 3 has 0% interest when paid on time
- Pay in 3 has no fees when paid on time
- Supports QR checkout and in-app support
- Wallet handles store-approved returns
Limits
- Pay in 3 requires a South African ID and card
- Pay in 12 shows a personalised interest rate
- Late or missed payments may incur fees
- Missed Pay in 12 payments may reach the Credit Bureau
Facts we read
- AvailabilityPay in 12 is available for online purchases at participating PayJustNow partner stores across South Africa. · payjustnow.com, Oct 9, 2026
- Developer integrationPayJustNow provides developer tips and tools to integrate its payment system, with a business support link to get started. · payjustnow.com, Oct 9, 2026
- EligibilityPay 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, Oct 9, 2026
- FeaturesThe app provides fast approvals, secure QR checkout, exclusive offers, in-app support, and a wallet for store-approved returns. · payjustnow.com, Oct 9, 2026
- Headquarters3rd Floor Sunclare Building, 21 Dreyer Street, Claremont, Western Cape, 7708, South Africa · payjustnow.com, Sep 28, 2026
- Merchant feesMerchant signup has no setup or monthly service fees, and PayJustNow charges a transaction fee after an order is processed. · payjustnow.com, Oct 9, 2026
- Merchant offeringMerchants can add PayJustNow as a payment method so shoppers can divide purchases into three interest-free payments. · payjustnow.com, Oct 9, 2026
- Missed paymentsLate 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, Oct 9, 2026
- Pay in 12Pay in 12 spreads a purchase over 12 monthly payments, with the first paid upfront and the remaining 11 collected by debit order. · payjustnow.com, Oct 9, 2026
- Pay in 3Pay in 3 charges one third at checkout and automatically collects the other two payments on the shopper’s salary date. · payjustnow.com, Oct 9, 2026
- Privacy complianceIts privacy policy says the company implements practices that comply with South Africa’s Protection of Personal Information Act (POPIA). · payjustnow.com, Oct 9, 2026
- SecurityPayJustNow says it uses a PCI DSS certified service provider and uses Peach Payments and/or Stripe as its card processor. · payjustnow.com, Oct 9, 2026
On these lists
Use instead
Verdict
PayJustNow offers two installment structures for shoppers at participating South African retailers. Check eligibility and the stated interest and late-payment terms before choosing an option.
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