Payflex
How to Shop with Payflex
Browse our online store
Choose Payflex at checkout
Create your account & complete your purchase
Ways to Pay with Payflex
Choose the option that works best for your budget:
Pay Now
Pay the full amount upfront.Pay in 2
Split your purchase into 2 interest-free payments.Pay in 3
Pay over 3 interest-free instalments.Pay in 4
Spread the cost across 4 interest-free payments, paid over six weeks.
You’ll always see your payment schedule and total cost upfront before confirming.
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Payflex Contact Information
If you need help with a Payflex payment, instalment schedule, or account query, you can contact Payflex directly using the details below.
Customer Support Email
support@payflex.co.za
Help Centre
Visit the Payflex Help Centre on their official website for FAQs, payment support, and account assistance.
How does Mobicred work?
Get an account with South Africa’s largest digital credit provider!
How does Mobicred work?
Mobicred is digital credit that allows you to shop safely at over 55,000 places, both online and in-store* – with us being one of these. You could qualify for up to R50,000* credit in less than 15 minutes*.
Repay your balance via a convenient debit order, where your monthly minimum repayment is just 10% of your outstanding balance.
How do I checkout?
Say goodbye to struggling with finding your wallet, credit card details, and all the other hassles of traditional credit cards. Mobicred has got it sorted.
Here’s how to checkout online in less time than it takes to make a cup of instant noodles:
- Shop your chosen store as per usual, and add to cart.
- During the checkout process, choose Mobicred as your payment option.
To find Mobicred, you may need to first select one of their partner payment gateways like PayU, PayFast, PayGate, Adumo, or Peach Payments.
- Sign in with your Mobicred username and password. This will trigger an OTP to your registered mobile device.Â
- Enter the OTP to complete the payment.
- You’ll get your order right away from us, and pay your Mobicred instalments when due.
P.S This makes Mobicred great for scoring once-in-a-lifetime deals before they’re sold out.
How long do I have to pay?
With a Mobicred account, you’re not required to pay off your balance within a set time frame. Who wants to get stressed out by paying in 3 or 4, or 12?
As long as you’re making your minimum payments, it’s up to you to decide how long you need to settle your balance. We also don’t charge any fees for settling your balance early via additional EFT payments (good for you!).
You can use your account multiple times within a month, and with every repayment your credit facility becomes available to you again to keep on shopping. So next time you’re shopping online, #choosemobicred.
Do I qualify?
While everyone’s application is unique based on their credit history, affordability criteria and other factors; here’s the basics you need to have to apply:
- Be 18 years or older
- Have a valid SA ID
- Have a valid SA cell phone number and email address
- Have an existing and valid bank account in your name
Will I get a card?
Nope, Mobicred is 100% online. From your application to shopping and account management, everything is digital. You can download the App and pretend that’s a card if it makes you feel better. Digital credit in your pocket.
Legal stuff
Mobicred is powered by RCS Cards, a registered Credit and authorised Financial Services Provider. NCRCP 38/FSP 44481.
I need help
The application process is simple, easy and can be done anywhere & anytime; but Mobicred has support staff ready to help you if you get stuck in the process. Contact them here:
Email:Â customerservice@mobicred.co.za
Phone: Â 021 126 0700
*Ts & Cs apply. Select automated income verification and accept pre-agreement.
WhatsApp: Â 060 762 8284
 Float Payments – Pay your way. On your terms.
What are Float Payments?
Float payments let you buy now and pay later by spreading your purchase into interest-free or low-cost instalments, charged to your credit card over time instead of all at once.
It’s a smarter way to manage cash flow without delaying what you need.
How does Float work?
Float breaks your purchase into scheduled instalments and automatically charges your credit card on agreed dates.
Here’s how it works:
Choose Float at checkout
Link your credit card securely
Select your repayment plan
Pay over time — no upfront stress
Approval is instant, and checkout is seamless.
How many instalments can I pay over?
Float offers flexible options depending on the store and your profile:
Pay in 3 (interest-free instalments)
Extended plans (up to 6 or 12 months for bigger purchases)
Your available options are shown before you confirm.
Do I need a credit card?
Yes. Float works with South African-issued credit cards.
Debit cards and EFTs are not supported.
Your card is only charged per instalment — not the full amount upfront.
Is Float interest-free?
Some Float plans are 100% interest-free, while longer plans may include:
A small monthly fee, or
Low interest, clearly disclosed upfront
You’ll always see the total cost before confirming.
Are there service or hidden fees?
No hidden surprises.
No sign-up fees
No service fees on eligible plan
Clear late-payment rules (shown upfront)
When do payments come off my card?
Payments are charged automatically on your chosen dates.
You’ll get:
Payment reminders
In-app tracking
Full visibility of upcoming instalments
Can I pay early?
YesÂ
You can settle instalments early directly from the app, which may help:
Free up available credit
Reduce fees or interest (if applicable)
What happens if I miss a payment?
If a payment fails:
You may be charged a late fee
Your Float access could be temporarily paused
Repeated misses may affect your credit profile
If you’re stuck, support can help before things escalate.
Can I get a refund?
Yes — refunds are simple.
Approved refunds are processed quickly
Instalments already paid are adjusted accordingly
In some cases, funds are credited to your Float wallet
Refund timelines depend on the merchant.
Is Float safe and secure?
Absolutely.
Encrypted card processing
App-based authentication
Secure identity verification
Real-time notifications
Your card details are protected at all times.
Does Float affect my credit score?
It can.
On-time payments help build a positive record
Missed payments may impact your credit profile
Float follows South African credit regulations.
Where can I use Float?
Float is available at partner online and in-store retailers.
Just look for the Float payment option at checkout.
Why use Float?
Because life doesn’t wait — and neither should you.
✔ Pay in instalments
✔ Instant approval
✔ Flexible repayment options
✔ Secure & transparent
✔ Designed for South African shoppers
Support & More Info
For help with your Float plan:
Email: support@floatpayments.co.za
Call: 0800-FLOATSA (352872)
Web: www.floatpayments.co.za/help
PayJustNow – Pay the clever way.
What is PayJustNow?
PayJustNow is a Buy Now, Pay Later (BNPL) payment method that lets you split your purchase into interest-free instalments instead of paying everything upfront.
It’s fast, secure, and designed to help South Africans stretch their budget responsibly.
How does PayJustNow work?
PayJustNow allows you to shop online or in store and pay in instalments.
Here’s how it works:
Choose PayJustNow at checkout or in store
Confirm the purchase in the app
Pay your first instalment immediately
Pay the remaining instalments on your selected dates
No interest. No service fees.
How many instalments can I pay over?
PayJustNow offers two main options:
Pay in 3
Split your purchase into 3 equal instalments
Interest-free
First instalment paid at checkout
Remaining instalments paid on your chosen pay dates
PayStretch
Spread payments over 6 or 12 months
Ideal for larger or luxury purchases
Requires a PayStretch account approval
Available options are shown before you confirm.
Do I need a credit card?
No credit card required.
PayJustNow uses your PayJustNow account, not your credit card.
Approval is based on your profile and affordability, not card ownership.
Is PayJustNow really interest-free?
Yes.
Pay in 3 is 100% interest-free
No service fees
No hidden costs
PayStretch plans may include disclosed fees depending on the term.
When do I pay my instalments?
Your first instalment is paid immediately
Remaining instalments are deducted on your selected pay dates
You’ll receive reminders before each payment
All payments are visible in the app.
Can I pay my instalments early?
YesÂ
You can settle instalments early in the app to:
Free up available spending power
Stay in control of your budget
What happens if I miss a payment?
If a payment is missed:
Your account may be temporarily restricted
Late payments can affect your PayJustNow limit
Continued non-payment may impact your credit profile
If you’re having trouble, in-app support can help.
What happens if I return an item?
Returns are simple:
Once the merchant approves the return, your PayJustNow wallet is credited instantly
You can use the funds right away for another purchase
Instalments are adjusted accordingly
Refund timelines depend on the store.
Is PayJustNow safe?
Absolutely.
Secure, encrypted transactions
App-based authentication and selfie security
Real-time notifications
POPIA-compliant data protection
Your information is always protected.
Where can I use PayJustNow?
PayJustNow is accepted at thousands of partner stores, both:
Online
In store
Use the store finder in the app to see where you can shop.
Does PayJustNow affect my credit score?
It can.
On-time payments help build a positive profile
Missed payments may have a negative impact
PayJustNow operates in line with South African credit regulations.
Why choose PayJustNow?
Because you shouldn’t have to wait to live well.
✔ Interest-free instalments
✔ Instant approval
✔ No credit card needed
✔ Secure, fast checkout
✔ Trusted by millions of South Africans
Need help?
Contact PayJustNow support via the app live chat or email support@payjustnow.com.
Phone support is available on +27 21 300 2152 (Mon–Fri, business hours).