Master the art of buy‑now‑pay‑later with PayJustNow—step‑by‑step setup, smart hacks & money‑saving strategies.
What is PayJustNow?
PayJustNow is a South African Buy‑Now‑Pay‑Later (BNPL) app that empowers shoppers to split purchases into 3 interest‑free instalments or spread larger buys over 6–12 months with its PayStretch facility.
- Popular among over 2.8 million customers with R7.4 billion in spending power.
- No interest if payments are made on time—hence the hashtag #ZeroInterest.
Getting Started: Sign‑Up & Eligibility
- Download the app or head to payjustnow.com.
- Create an account (South African ID, email, mobile, Visa/MasterCard debit or credit card, age ≥ 18).
- Verify your identity via selfie/Face ID—security first! .
- Set your pay day—this becomes your instalment payment date.
- Instant approval—get ready to shop within minutes.
💡 Tip: Signing up before shopping ensures a seamless checkout experience.
Shopping with PayJustNow: Online & In‑Store
Online
- Choose PayJustNow at checkout on partner stores.
- Review the 3‑instalment plan covering today, +30 days, +60 days.
- Confirm payment—first instalment is debit‑ordered instantly.
In‑Store
- Look for the PayJustNow QR or ask the staff.
- Scan QR with the app.
- Confirm the transaction and pay the first instalment – that’s it!.
PayStretch & Facility Features
- PayStretch: Opt in-app or at sign-up to stretch larger purchases over 6 or 12 months.
- Facility limit: Set per-user, increases over time with on-time payments.
- Wallet balance: Use refunds or top-ups for new purchases or early instalment payments.
Smart Tips & Tricks
🔹 Pay Early
Skip debit-order delays—pay instalments early via your profile and unlock higher limits .
🔹 Beat Late Fees
Pay up to 24 hours late before penalties kick in. Fees are capped at 25% of the purchase if repeated.
🔹 Use Exclusive Deals
Coupons, promotions and deals are frequently available within the app—look for the “Deals” or store discovery section.
🔹 Boost Control
Stick to your pay day and budget for peace of mind—no hidden interest, just fixed instalments.
FAQ & Support
- Missed payment? Manually settle via the “My Orders” tab.
- Support hours: Chat Mon‑Fri 07:30–17:00; Webchat weekends 08:30–17:00;Tel 10:00–17:00.
- Data privacy: No card storage; location tracked for fraud prevention—your data is safe.
Why Use PayJustNow?
| Benefit | Description |
|---|---|
| 💸 Cash-flow friendly | Spread payments with zero interest for responsible users |
| ⚡ Instant approval | Shop on the spot with very little waiting |
| 🛍️ Flexibility | Online & in-store, 3 |
| 🎁 Perks & deals | Exclusive in-app offers to stretch your rand further |
8. Final Thoughts
PayJustNow is ideal for anyone wanting flexible, interest-free payment options in South Africa. Whether you’re eyeing a gadget, a grocery run or a home upgrade, it’s fast to set up, protective of your data, and rewards timely payments. Use it wisely—stick to deadlines and embrace promotions, and PayJustNow becomes your clever money companion.
Also read: Proudly SA Launches New Online Store – Here’s How to List Your Business
