Payflex is a South African buy now, pay later service. You can use it at participating online stores and at some physical stores. Here is how its payment plans work, what you need to sign up and how to find stores that accept it.
Last checked: 20 October 2026, against payflex.co.za.
Payflex payment plans
Payflex lists these options. The plans on offer can differ by store, so check which ones appear at checkout.
- Pay in 2: you pay the first half upfront and the balance on your next payday.
- Pay in 3: you pay the first payment upfront and the balance over your next two paydays.
- Pay in 4: you pay the first payment upfront and the balance in three instalments, debited every two weeks.
- Pay now: you pay the full amount at checkout by card or EFT.
Payflex says the Pay in 2, 3 and 4 plans are interest-free. Its terms and conditions set default fees if you miss an instalment, so check the current fees in the Payflex terms and conditions before you sign up.
What you need to sign up
Under the Payflex terms and conditions, you must be over 18, live in South Africa permanently, be permanently employed or self-employed in South Africa, and have a valid debit or credit card issued by a South African bank in your name. Payflex can decline applicants who are over-indebted or under debt review.
Where to shop with Payflex
The stores that accept Payflex change over time. To find them, use the Payflex store directory, or choose Payflex as your payment method at checkout in a participating store.
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