PayJustNow vs ViaBill
PayJustNow
payjustnow.comViaBill
viabill.comSide by side
| Figure | PayJustNow | ViaBill |
|---|---|---|
| Price from | Free | Free |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | — | Yes |
| Plans published | 2 | 1 |
| Spec score · Buy Now, Pay Later Platforms | 7.6 (#19) | 8.2 (#6) |
| Headquarters | 3rd Floor Sunclare Building, 21 Dreyer Street, Claremont, Western Cape, 7708, South Africa | The ViaBill site footer lists Grønnegade 10, 1107 Copenhagen. |
| Merchant fees | Merchant signup has no setup or monthly service fees, and PayJustNow charges a transaction fee after an order is processed. | The Danish merchant page states a transaction fee of 2.95% per transaction and says customized offers are available. |
| Security | PayJustNow says it uses a PCI DSS certified service provider and uses Peach Payments and/or Stripe as its card processor. | ViaBill says it uses security controls, conducts software and web application audits, and maintains an incident response and crisis management system. |
| What it does | PayJustNow lets shoppers split purchases into instalments through participating South African online and in-store retailers. | ViaBill provides payment services that let consumers pay for purchases in installments. |
Plans
In their own words
PayJustNow
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.
ViaBill
ViaBill lets shoppers buy now and repay purchases in installments, with checkout for online stores and omnichannel use. ViaBill Free divides a purchase into four monthly payments: one at purchase and three over the following months, with no interest or fees at selected stores. Its listed Free terms include 250 EUR of credit, 0% variable interest, 0% APR, a total credit cost of 0 EUR and a fixed 365-day agreement period. The Free and Plus pages advertise access to up to 50,000 DKK, subject to account and product terms. Plus offers repayment over as many as 24 monthly payments and access to a virtual or physical Mastercard for 29 DKK per month; Plus terms also specify a 3.99 EUR account fee with each monthly installment. The app displays credit limit, balance, payments and transactions. ViaBill runs on Android, iOS and web, and offers an API for merchants. Merchant integrations include Shopify, WooCommerce, Magento, PrestaShop, Drupal and OpenCart. The company says it pays merchants upfront and bears purchase risk through its service. Pricing is available on request.