Payflex

Spec sheet

What it does

Payflex lets shoppers pay for purchases online or in store using Pay Now or interest-free instalment plans.Read 8 Oct 2026 · payflex.co.za

Integrations

Payflex lists WooCommerce, Shopify, Magento V1 and V2, and OpenCart, and says custom-built sites can use its API.Read 8 Oct 2026 · payflex.co.za

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.Read 8 Oct 2026 · payflex.co.za

Privacy

Payflex says it implements data security safeguards and may transfer personal information to other countries under specified data-protection conditions.Read 8 Oct 2026 · payflex.co.za

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.Read 8 Oct 2026 · payflex.co.za

Headquarters

Sandton, Johannesburg, Gauteng, South AfricaRead 28 Sep 2026 · payflex.co.za

App platforms

Payflex offers its free app for Android, iOS, and Huawei AppGallery.Read 8 Oct 2026 · qr.payflex.co.za

Checkout integrations

The developer documentation describes hosted redirect checkout and embedded iFrame checkout options.Read 8 Oct 2026 · docs.payflex.co.za

Company founding

LinkedIn lists Payflex as founded in 2018.Read 8 Oct 2026 · za.linkedin.com

Company headquarters

Payflex lists its head office at 3rd Floor, Building 3, Commerce Square, 39 Rivonia Road, Sandhurst, Johannesburg, Gauteng, 2196.Read 8 Oct 2026 · payflex.co.za

Developer checkout

The developer documentation describes hosted checkout by redirect and an embedded iFrame option.Read 8 Oct 2026 · docs.payflex.co.za

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.Read 8 Oct 2026 · payflex.co.za

In-store shopping

Shoppers can use the Payflex app to scan a checkout QR code and choose a payment plan in participating stores.Read 8 Oct 2026 · payflex.co.za

In-store use

Merchants can integrate Payflex online or let shoppers pay in store through the Payflex app.Read 8 Oct 2026 · payflex.co.za

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.Read 8 Oct 2026 · payflex.co.za

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.Read 8 Oct 2026 · payflex.co.za

Merchant integrations

The merchant page lists WooCommerce, Shopify, Magento V1 and V2, OpenCart, and a Payflex API for custom-built websites.Read 8 Oct 2026 · payflex.co.za

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.Read 8 Oct 2026 · payflex.co.za

Merchant settlement

Payflex says it pays merchants upfront and handles collection from shoppers.Read 8 Oct 2026 · payflex.co.za

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.Read 8 Oct 2026 · payflex.co.za

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.Read 8 Oct 2026 · payflex.co.za

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.Read 8 Oct 2026 · payflex.co.za

Regional availability

Payflex’s developer documentation says the service currently operates only within South Africa.Read 8 Oct 2026 · docs.payflex.co.za

Spending limit

The shopper’s spending limit depends on an individual Payflex assessment and can be viewed in the app or customer portal.Read 8 Oct 2026 · payflex.co.za

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.Read 8 Oct 2026 · payflex.co.za

Where Specifiction places it

• Buy Now, Pay Later Platforms#18 of 267.6