Payflex is a local BNPL provider offering flexible payment options for online and in-store purchases. Whether you’re buying the latest gadgets, fashion items, or essential goods, Payflex lets you spread your payments, interest-free if you pay on time.
Last checked: 20 October 2026, against payflex.co.za.
Here’s a step-by-step guide on how to use Payflex effectively.
What is Payflex?
Instead of paying the full price upfront, you pay in instalments. Payflex lists Pay in 2 (half upfront, the balance on your next payday), Pay in 3 (the first payment upfront, the balance over your next two paydays) and Pay in 4 (the first payment upfront, then three instalments every two weeks). The plans on offer can differ by store.
Why Choose Payflex?
Payflex is a preferred option for many South Africans because:
- No interest: Payflex says no fees or interest are charged if you pay your instalments on time. Its terms and conditions set default fees if you miss one.
- Flexible payments: You can split your payment into 2, 3 or 4 instalments, depending on the plan.
- Easy integration: Payflex works with a wide range of local retailers, both online and in-store.
ALSO READ: PayFlex vs PayJustNow: 5 Key Differences in Fees, Terms, and Conditions
Step 1: Download the Payflex App
The first step is to download their app. It’s available for free on both Android and iOS devices.
- For Android users: Head over to the Google Play Store.
- For iOS users: Visit the Apple App Store.
Once the app is installed, open it to begin the sign-up process.
Step 2: Create Your Payflex Account
To use Payflex, you’ll need to set up an account. This is a quick and simple process. Here’s what to do:
- Open the app and tap on “Create My Account”.
- Enter your personal details, including your South African ID number and contact information.
- Verify your identity by entering the one-time password (OTP) sent to your phone or email.
- Set up a secure password for future logins.
Step 3: Browse Participating Stores
Payflex partners with a wide range of online and physical stores, allowing you to shop for everything from electronics to beauty products. You can easily find participating stores by browsing through the Payflex store directory. Once you’ve found a store you’d like to shop from, add your desired items to the cart.
Step 4: Choose Payflex at Checkout
Now that you have your items, it’s time to choose Payflex as your payment method.
- At checkout, select Payflex as your payment option.
- Log in to your Payflex account when prompted.
- Choose your preferred payment plan:
- Pay in 2: half upfront, the balance on your next payday.
- Pay in 3: the first payment upfront, the balance over your next two paydays.
- Pay in 4: the first payment upfront, then three instalments every two weeks.
If you’re unsure which plan to choose, check the terms shown at checkout.
Step 5: Complete Your Purchase
Once you’ve selected your payment plan, you pay the first instalment upfront. The rest is deducted automatically on the plan’s schedule. On Pay in 4, for example, you pay 25% upfront and the remaining 75% in three instalments.
- For example, if your total purchase is R1,200, you’ll pay R300 at checkout, and the remaining R900 will be divided into three equal payments of R300 each.
The beauty of it is that you can receive your items immediately, even before completing the full payment. This way, you don’t have to wait for weeks to enjoy your purchase.
Step 6: Manage Your Payments
After completing your purchase, you can easily manage your payments using the Payflex app. The app provides a range of useful features, such as:
- Viewing your payment schedule.
- Making extra payments or paying early to reduce your balance.
- Setting up payment reminders to avoid missing any instalments.
- Tracking your spending and budgeting your payments.
You can access these features directly within the app, giving you full control over your purchases and payments.
ALSO READ: Shopping with Payflex: Payment Plans, Requirements and How to Find Stores
In-Store Shopping with Payflex
If you prefer shopping in person, it’s possible. Many South African retailers now support Payflex for in-store purchases. Here’s how it works:
- Visit a participating store and select your items.
- At checkout, open the Payflex app on your phone and scan the QR code provided by the cashier.
- Choose your payment plan and confirm the purchase.
It’s that simple! You can pay using Payflex in-store as easily as you would online.
Benefits of Using Payflex
There are several advantages, especially for those who want to manage their finances more effectively. Some of the benefits include:
- Interest-free instalments: Spread the cost of your purchases over time without paying extra.
- Easy tracking: The Payflex app allows you to track your payments and spending with ease.
ALSO READ: 2025 List of Shops That Accept the Truworths Card: Where You Can Shop with Style and Ease
Ready to start? Download the Payflex app today and shop at participating stores. And remember, always manage your spending responsibly!