Pay your way
Over 2.5 million shoppers stretch their payments every day. Approval is instant, and checkout is easy with the PayJustNow app.
Pay in 3
Why pay in full when you can settle your purchase in 3 interest-free instalments? It's the clever way to pay.
PayStretch
Use PayStretch to make smaller payments over 12 months. It's perfect for luxury items or tackling big-basket shopping.
Your PayJustNow Perks
How it Works
You're not just stretching your budget, you're making fast, secure payments.
Find a store
Use the search tool in our directory to shop by store or category.
Checkout
Add your items to cart and select PayJustNow at checkout.
Enjoy
Confirm your purchase on the app. Just follow the prompts. It's that simple.
Head in store
Use your app to confirm whether PayJustNow is available in store and then start shopping as usual.
Pay with your QR Code
At the till point, let the store assistant know will be using PayJustNow. Open your app to scan the transaction QR code, then click "confirm" to proceed with paying your first instalment.
Success
Enjoy your purchase and only pay your second and final instalment on your chosen pay dates.
More than a payment tool
Enjoy exclusive PayJustNow features to save time, get rewarded and be smart with your money.
Deals
Find the latest deals to inspire your next purchase. With monthly offers in all shopping categories, you won’t just pay later, you’ll pay less.
Store Discovery
Get what you need from thousands of stores in our network and relax knowing that each merchant has committed to offering you a more flexible way to shop.
PayStretch
Make bigger purchases and stretch your payments over 6 or 12 months. Get a PayStretch account to have this option at checkout.
Term loan
Need cash in your bank account? Get a personal loan of up to R25 000, powered by FinChoice. The application and approval process goes quickly.
How to Sign Up
Getting started with PayJustNow is quick and effortless—sign up in just a few steps. Watch our video to see how easy it is to shop now and pay later!
Instant refunds
You deserve a smooth return process. Once you request a refund, your PayJustNow wallet is instantly credited, allowing you to make another purchase.
App Features
QR Transactions
Carry cards and cash? No, thanks. Use the PayJustNow app to scan a transaction code in store. Enter the transaction value, and click ‘confirm’ to pay your first instalment.
Verify with a selfie
Keep your profile safe and authenticate PayJustNow interactions with Face ID.
Pay instalments early
You can pay your instalments early to free up funds and do this on the app.
In-app support
Get fast answers to any questions by chatting with us on the app.
Additional Services
Financial wellness goes beyond shopping. Get full protection with a range of financial support products from FinChoice.
Term Loan
FinChoice has a private stash ready if you need extra cash. Apply for a personal loan of up to R25,000. Repayable over 6, 12, 24, or 36 months.
Learn more
MobiMoney™
Get a MobiMoney cash facility to withdraw up to R10 000 whenever you need it. Only pay for what you use and repay over 1, 2, or 3 months.
Learn more
Accident Plan, R39 pm
Get accident insurance for life’s unexpected turns for just R39 per month. Claims are paid within 48 hours of approval.
Learn more
Funeral Cover, R49 pm
FinChoice Funeral Cover for you and your family when you need it most. Cover up to 19 family members on 1 plan!
Learn more
Why PJN?
No need to save up or delay goals to have the quality of life you deserve. You focus on the ‘what’ and we’ll help you with ‘how’. Join us when you’re ready to pay the clever way.
Molatedi was a great help to sort out my online ID verification. Quick and effortless! Great after sales service. Keep it up!
what a smart and easy way to pay! No paper work needed its a quick quick and safe process to pay whatever you need.
Honestly just a great initiative - keeps you from having to use credit (store cards) and its associated interest and costs.
Molatedi was a great help to sort out my online ID verification. Quick and effortless! Great after sales service. Keep it up!
what a smart and easy way to pay! No paper work needed its a quick quick and safe process to pay whatever you need.
Honestly just a great initiative - keeps you from having to use credit (store cards) and its associated interest and costs.
Being able to pay in instalments with no interest is a game-changer! It allowed me to buy something I needed without breaking the bank.
Excellent services, always helpful, good provider, return policies are easy, tashreeq whom I've interacted with was awesome.
I’ve used PayJustNow for nearly 2 years, and have really appreciated the flexibility of making bigger purchases.
Being able to pay in instalments with no interest is a game-changer! It allowed me to buy something I needed without breaking the bank.
Excellent services, always helpful, good provider, return policies are easy, tashreeq whom I've interacted with was awesome.
I’ve used PayJustNow for nearly 2 years, and have really appreciated the flexibility of making bigger purchases.
Get the App
Download the PayJustNow app to start shopping.
Disclaimer: A PayJustNow profile must be created to activate the app.
