PayJustNow
payjustnow.com
What it is
PayJustNow lets shoppers split purchases into instalments at participating South African online and in-store retailers. Pay in 3 charges one third at checkout and collects the other two payments automatically on the shopper’s salary date. The plan is listed at free, with 0% interest and no fees when paid on time. Signup requires a valid South African ID, South African cellphone number and email address, and a South African-issued Visa or Mastercard. Pay in 12 divides a purchase into 12 monthly payments: the first is paid upfront, and the other 11 are collected by debit order. Its personalised interest rate is shown when an account is opened, and it is available for online purchases at participating partner stores in South Africa. The Android, iOS, and web app includes QR checkout, exclusive offers, in-app support, and a wallet for store-approved returns. Late or missed payments may incur fees; missed Pay in 12 payments may also be reported to the Credit Bureau.
Spec sheet
- What it does
- PayJustNow lets shoppers split purchases into instalments through participating South African online and in-store retailers.Read 9 Oct 2026 · payjustnow.com
- Security
- PayJustNow says it uses a PCI DSS certified service provider and uses Peach Payments and/or Stripe as its card processor.Read 9 Oct 2026 · payjustnow.com
- Headquarters
- 3rd Floor Sunclare Building, 21 Dreyer Street, Claremont, Western Cape, 7708, South AfricaRead 28 Sep 2026 · payjustnow.com
- Availability
- Pay in 12 is available for online purchases at participating PayJustNow partner stores across South Africa.Read 9 Oct 2026 · payjustnow.com
- Developer integration
- PayJustNow provides developer tips and tools to integrate its payment system, with a business support link to get started.Read 9 Oct 2026 · payjustnow.com
- Eligibility
- Pay 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.Read 9 Oct 2026 · payjustnow.com
- Features
- The app provides fast approvals, secure QR checkout, exclusive offers, in-app support, and a wallet for store-approved returns.Read 9 Oct 2026 · payjustnow.com
- Merchant fees
- Merchant signup has no setup or monthly service fees, and PayJustNow charges a transaction fee after an order is processed.Read 9 Oct 2026 · payjustnow.com
- Merchant offering
- Merchants can add PayJustNow as a payment method so shoppers can divide purchases into three interest-free payments.Read 9 Oct 2026 · payjustnow.com
- Missed payments
- Late 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.Read 9 Oct 2026 · payjustnow.com
- Pay in 12
- Pay in 12 spreads a purchase over 12 monthly payments, with the first paid upfront and the remaining 11 collected by debit order.Read 9 Oct 2026 · payjustnow.com
- Pay in 3
- Pay in 3 charges one third at checkout and automatically collects the other two payments on the shopper’s salary date.Read 9 Oct 2026 · payjustnow.com
- Privacy compliance
- Its privacy policy says the company implements practices that comply with South Africa’s Protection of Personal Information Act (POPIA).Read 9 Oct 2026 · payjustnow.com
Plans and prices
Pay in 3 Free 3 instalments · 0% interest and no fees when paid on time · South African shoppers Read 9 Oct 2026 · payjustnow.com
Pay in 12 Priced on request 12 monthly payments · personalised interest rate shown when opening an account · South African shoppers Read 9 Oct 2026 · payjustnow.com
Strong points and limits
Strong points
- Pay in 3 has 0% interest when paid on time.
- Works across Android, iOS, and web.
- Includes QR checkout and in-app support.
- Merchants pay no setup or monthly service fees.
Limits
- Pay in 3 requires a South African ID and card.
- Pay in 12 has a personalised interest rate.
- Late or missed payments may incur fees.
- Pricing beyond the listed plan is on request.
Who it suits
PayJustNow suits South African shoppers who meet Pay in 3’s signup requirements and want to pay participating retailers in instalments. Merchants can add it as a payment method, with integrations listed for Shopify, Magento, WooCommerce, Salesforce Commerce Cloud, PrestaShop, and Salesforce.
Verdict
PayJustNow specifies two repayment structures, supported platforms, and Pay in 3’s eligibility requirements. Check the personalised Pay in 12 rate and possible missed-payment fees before choosing a plan.
Where Specifiction places it
- Buy Now, Pay Later Platforms#19 of 267.6
