# PayJustNow

> PayJustNow is a South African "buy now, pay later" (BNPL) provider that lets shoppers split purchases into flexible installments online and in-store. Pay in 3 splits a purchase into 3 equal, interest-free payments; Pay in 12 spreads payments over 12 months with interest. The service is delivered through a mobile app, with a merchant platform offering BNPL, retail credit, and marketing solutions to businesses.

## About

- PayJustNow is aimed at shoppers in South Africa and its stores, deals, and pricing are region-specific (currency in ZAR).
- Core shopper products: **Pay in 3** (three equal payments, 0% interest, no hidden fees) and **Pay in 12** (payments spread over a full year with interest).
- Shoppers get an **instant-refund Wallet** (returns credited immediately), fast approvals, secure QR checkout, and in-app support.
- A PayJustNow profile must be created in the app to shop and pay. Shopping happens through the app and partner stores rather than a traditional web checkout.
- For businesses, PayJustNow offers BNPL integration, retail credit, marketing solutions, and a merchant portal.

## How It Works

- [How It Works](https://payjustnow.com/how-it-works/): Overview of how PayJustNow works for shoppers.
- [Pay in 3](https://payjustnow.com/payin3/): Split a purchase into 3 equal, interest-free installments.
- [Pay in 12](https://payjustnow.com/payin12/): Spread payments over 12 months with interest.
- [FAQs](https://payjustnow.com/faqs/): Common questions about accounts, payments, and shopping.
- [Support / Help](https://payjustnow.com/support/): Help center and shopper support.

## Shop

- [Browse all stores](https://app.payjustnow.com/stores): Full directory of partner stores available on PayJustNow.
- [Deals](https://app.payjustnow.com/my-deals/all): Current shopper deals and promotions.
- [Sign Up](https://app.payjustnow.com/register/overview): Create a PayJustNow profile to start shopping.
- [Log In](https://app.payjustnow.com/login): Access an existing PayJustNow account.

## Get the App

- [iOS App (App Store)](https://apps.apple.com/za/app/payjustnow/id1542974651): PayJustNow app for iPhone and iPad.
- [Android App (Google Play)](https://play.google.com/store/apps/details?id=com.payjustnow): PayJustNow app for Android devices.
- [Huawei AppGallery](https://appgallery.huawei.com/app/C103873181): PayJustNow app for Huawei devices.

## For Business

- [Business Overview](https://payjustnow.com/business): How PayJustNow works for merchants and retailers.
- [BNPL](https://payjustnow.com/bnpl/): Buy-now-pay-later integration for businesses.
- [Retail Credit](https://payjustnow.com/retail-credit/): Retail credit solutions for merchants.
- [Marketing Solutions](https://payjustnow.com/marketing-solutions/): Marketing and promotional tools for partner stores.
- [Business Support](https://payjustnow.com/business-support/): Support resources for merchants.
- [Merchant Portal](https://payjustnow.com/merchant-portal/): Portal for merchants to manage their PayJustNow integration.
- [Request a Demo](https://payjustnowsupport.myfreshworks.com/crm/sales/web_forms/080ee6330d08841de8bd402e63d21d1f25e24e52051450bd4320d4fd0374683c/form.html): Request a product demo for your business.

## Legal & Policies

- [Terms and Conditions](https://payjustnow.com/terms-and-conditions/): Terms governing use of PayJustNow.
- [Privacy Policy](https://payjustnow.com/privacy-policy/): How PayJustNow collects and handles personal data.
- [PCI DSS Policy](https://payjustnow.com/pci-dss-policy/): Payment card data security policy.
- [PAIA Manual (PDF)](https://payjustnow.com/wp-content/uploads/2025/08/PAIA_manual_PAYJUSTNOW_v1-1.pdf): Promotion of Access to Information Act manual.
- [Whistle Blowing (PDF)](https://payjustnow.com/wp-content/uploads/2025/08/Whistle-Blower-Poster-compressed.pdf): Whistle-blowing reporting information.

## Optional

- [Content Hub](https://payjustnow.com/content-hub/): Articles and content for shoppers.
- [Press](https://payjustnow.com/press/): Press coverage and media resources.
- [PayUp](https://payjustnow.com/payup/): PayUp product information.
- [Operational Status](https://status.payjustnow.com/): Live system and service status page.
- [LinkedIn](https://www.linkedin.com/company/payjustnow/): PayJustNow on LinkedIn.
- [Instagram](https://www.instagram.com/payjustnow/): PayJustNow on Instagram.
- [Facebook](https://www.facebook.com/PayJustNow): PayJustNow on Facebook.
- [TikTok](https://www.tiktok.com/@payjustnow): PayJustNow on TikTok.