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Payflex

Ch 206.8of 26Buy Now, Pay Later Platforms
  1. 1Runs onAndroid, API, iOS, Web
  2. 2Checkout channelsomnichannel
  3. 3Repayment termsPay in 2 over 2 paydays; Pay in 3 over 3 paydays; Pay in 4 over 6 weeks; Pay Now in one payment
  4. 4Merchant platformsShopify; Magento; WordPress WooCommerce; custom websites via API
  5. 5Consumer regionsSouth Africa
  6. 6Merchant dashboardYes
6 lines stated Written from the maker's own pages: payflex.co.za
Visit site Alternatives
The Payflex homepage

Overview

Payflex is ranked #20 of 26 in buy now, pay later platforms on Specifiction. It runs on Android, API, iOS, Web.

Compared on buy now, pay later platforms

Free plan
Nopayflex.co.za
Checkout channels
omnichannelpayflex.co.za
Repayment terms
Pay in 2 over 2 paydays; Pay in 3 over 3 paydays; Pay in 4 over 6 weeks; Pay Now in one paymentpayflex.co.za
Merchant platforms
Shopify; Magento; WordPress WooCommerce; custom websites via APIpayflex.co.za
Consumer regions
South Africapayflex.co.za
Merchant dashboard
Yespayflex.co.za

Facts

What it does
Payflex lets shoppers pay for purchases in interest-free instalments, while merchants receive payment upfront.payflex.co.za · 8 Oct 2026
Payment options
Payflex describes Pay in 2 as a 50% payment now and the remainder later, and Pay EFT as an instant bank transfer option.payflex.co.za · 8 Oct 2026
In-store shopping
Shoppers can use the Payflex app to scan a checkout QR code and choose a payment plan in participating stores.payflex.co.za · 8 Oct 2026
Merchant integrations
The merchant page lists WooCommerce, Shopify, Magento V1 and V2, OpenCart, and a Payflex API for custom-built websites.payflex.co.za · 8 Oct 2026
Checkout integrations
The developer documentation describes hosted redirect checkout and embedded iFrame checkout options.docs.payflex.co.za · 8 Oct 2026
Regional availability
Payflex’s developer documentation says the service currently operates only within South Africa.docs.payflex.co.za · 8 Oct 2026
Security
Payflex says its website is SSL-secure, it does not store card details, and payments are handled by a PCI-compliant South African payment gateway.payflex.co.za · 8 Oct 2026
Eligibility
The support page says shoppers need to be over 18, live in South Africa, have a South African ID, a Visa or Mastercard debit or credit card, and a good credit history.payflex.co.za · 8 Oct 2026
Spending limit
The shopper’s spending limit depends on an individual Payflex assessment and can be viewed in the app or customer portal.payflex.co.za · 8 Oct 2026
Merchant fees
A Payflex merchant page says there are no setup or other transaction fees and merchants do not pay additional card fees on Payflex transactions.payflex.co.za · 8 Oct 2026
Support hours
Customer support hours are Monday to Friday 8:30 to 17:00, Saturday and Sunday 09:00 to 15:00, and public holidays 09:00 to 13:00.payflex.co.za · 8 Oct 2026
App platforms
Payflex offers its free app for Android, iOS, and Huawei AppGallery.qr.payflex.co.za · 8 Oct 2026
Company founding
LinkedIn lists Payflex as founded in 2018.za.linkedin.com · 8 Oct 2026
Pay in 4
Pay in 4 splits a purchase into four instalments, with the first paid upfront and the other three debited every two weeks.payflex.co.za · 8 Oct 2026
Pay in 2 and Pay in 3
Pay in 2 collects half upfront and the remaining half later; Pay in 3 collects the first instalment upfront and splits the balance over the next two paydays.payflex.co.za · 8 Oct 2026
Merchant pricing
Merchants pay no setup fee and are charged a monthly service fee plus transaction fees on successful orders; the page does not state the fee amounts.payflex.co.za · 8 Oct 2026
Merchant settlement
Payflex says it pays merchants upfront and handles collection from shoppers.payflex.co.za · 8 Oct 2026
In-store use
Merchants can integrate Payflex online or let shoppers pay in store through the Payflex app.payflex.co.za · 8 Oct 2026
Integrations
Payflex lists WooCommerce, Shopify, Magento V1 and V2, and OpenCart, and says custom-built sites can use its API.payflex.co.za · 8 Oct 2026
Developer checkout
The developer documentation describes hosted checkout by redirect and an embedded iFrame option.docs.payflex.co.za · 8 Oct 2026
Privacy
Payflex says it implements data security safeguards and may transfer personal information to other countries under specified data-protection conditions.payflex.co.za · 8 Oct 2026
Late payment fees
The support page lists default fees of R95 for Pay in 2 and Pay in 4 and R125 for Pay in 3, with stated caps for Pay in 2 and Pay in 4.payflex.co.za · 8 Oct 2026
Support
Customer support hours are Monday to Friday 8:30–17:00, Saturday and Sunday 09:00–15:00, and public holidays 09:00–13:00.payflex.co.za · 8 Oct 2026

Company

Company headquarters
Payflex lists its head office at 3rd Floor, Building 3, Commerce Square, 39 Rivonia Road, Sandhurst, Johannesburg, Gauteng, 2196.payflex.co.za · 8 Oct 2026
Headquarters
Sandton, Johannesburg, Gauteng, South Africapayflex.co.za · 28 Sept 2026

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Where it ranks on Specifiction

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Sources