How it Works
Control without the crunch. That’s the Clever Way to Pay.
Online
Shop and choose PayJustNow at checkout. Approval is instant. You pay 1/3 now; the next 2 payments come off on your salary date.
Instore
Open your PayJustNow app & scan the QR code at the counter. Approve and pay 1/3 upfront. The next 2 come off on your selected salary date.
No fees, no fuss.
We’re talking completely interest-free and fee free as long as the payments are made on time.
Your Pay in 3 Perks
How to Pay Clever
Own your checkout. Your quick guide to shopping now and paying later.
PayJustNow. The Clever Way
1min
Pay in 12
How To Sign Up
2min
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Clever Payment Breakdown
- 3 month payment period.
- 0% interest. No hidden fees.
- Pay 1/3 upfront at checkout.
- 2 remaining payments, automatic on your chosen date.
- Instant gratification, zero stress.
- Online or in-store with quick approval and QR scan.
- Perfect when you want it now but payday’s still coming.
- 12 month payment period.
- Fair interest rate. Clear in-app breakdowns.
- Pay the first payment upfront, then 11 monthly payments.
- 11 remaining payments, spread evenly over the year. Payment goes off via debit order every month.
- Maximum flexibility for life’s bigger moments.
- Online or in-store with instant approval and full in-app visibility.
- Perfect when you’re making a big buy and want lighter monthly payments.
Pay in 3 questions
Answered. Easy.
What is PayJustNow?
PayJustNow is South Africa’s flexible payment solution that lets you shop now and pay later — in three equal, interest-free instalments. No fees, no fuss, just a clever way to manage your cash flow.
How does Pay in 3 work?
At checkout, choose PayJustNow as your payment method.
You’ll pay your first instalment immediately, and the next two will be automatically deducted – one each month for the next two months. That’s it.
Where can I use Pay in 3?
At hundreds of online and in-store retailers across South Africa. Look for the PayJustNow logo at checkout or explore our list of partner stores on our website.
Do I need to register first?
If it’s your first time using PayJustNow, you’ll create an account during checkout – it only takes a few minutes.
What do I need to sign up?
You’ll need:
- A valid South African ID
- A South African cellphone number and email address
- A Visa or MasterCard debit or credit card
Is there a credit check?
We’ll do a quick affordability and ID check — it’s soft and won’t affect your credit score.
Do I need a credit card?
You can use a credit or debit card, as long as it’s a South African–issued Visa or MasterCard.
When are my instalments deducted?
Your first payment happens at checkout. The next two are automatically deducted on the same date in the following months.
Can I pay early?
Absolutely. Log in to your PayJustNow account on our website or app and settle any instalments early — it might even increase your future spending limit.
What happens if I miss a payment?
If a payment fails, we’ll let you know and retry. Late or missed payments may result in a small penalty fee, so it’s best to keep your card details up to date.
How do I manage my account?
Simply log in to your PayJustNow profile to view your purchases, upcoming payments, and account details — all in one place.
Are there any fees or interest?
Nope. Pay in 3 is 100% interest-free with no fees when payments are made on time.
Is PayJustNow secure?
Absolutely – we use bank-level encryption and secure payment processing to protect your personal and payment information. Your security comes first.
Can I change my card details?
Yes! You can add or update your cards anytime from your account dashboard.
Why was I declined at checkout?
It could be due to your spending limit, card settings, or an affordability check. You can try again later or update your details to increase your chances next time.
Do I get my order straight away?
Yes. Once you’ve made your first instalment, your order is processed and delivered as normal.
How do refunds work?
Return your item through the store as usual. Once the store approves the return, we’ll adjust or refund your instalments accordingly.
Can I have more than one Pay in 3 plan at a time?
Yes, as long as you stay within your spending limit and have no overdue payments.
Have more questions?
No problem, we’ve got answers! Use our chatbot for quick answers to our most common queries or contact us directly.
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Get the App
Download the PayJustNow app to start shopping.
Disclaimer: A PayJustNow profile must be created to activate the app.
