PayJustNow

7.1easy start · #7of 26
in Buy Now, Pay Later Platforms

Free to practise onyes
Well documentedyes
Runs where you workyes

Runs on Android, iOS, Web.

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PayJustNow is ranked #7 of 26 in buy now, pay later platforms on The Geeks Club. It runs on Android, iOS, Web.

PayJustNow plans and pricing

All plans

Pay in 3 Free 3 instalments · 0% interest and no fees when paid on time · South African shoppers payjustnow.com · 9 Oct 2026

Pay in 12 12 monthly payments · personalised interest rate shown when opening an account · South African shoppers payjustnow.com · 9 Oct 2026

Compared on buy now, pay later platforms

Free plan: No
Checkout channels: omnichannel
Repayment terms: 3 instalments; 12 months
Merchant platforms: Shopify; Magento; WooCommerce; Salesforce Commerce Cloud; PrestaShop; Salesforce Shopstar
Consumer regions: South Africa
Merchant dashboard: Yes

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The record

What it does: PayJustNow lets shoppers split purchases into instalments through participating South African online and in-store retailers.
Pay in 3: Pay in 3 charges one third at checkout and automatically collects the other two payments on the shopper’s salary date.
Pay in 12: Pay in 12 spreads a purchase over 12 monthly payments, with the first paid upfront and the remaining 11 collected by debit order.
Availability: Pay in 12 is available for online purchases at participating PayJustNow partner stores across South Africa.
Eligibility: Pay in 3 signup requires a valid South African ID, a South African cellphone number and email address, and a South African-issued Visa or Mastercard.
Features: The app provides fast approvals, secure QR checkout, exclusive offers, in-app support, and a wallet for store-approved returns.
Merchant offering: Merchants can add PayJustNow as a payment method so shoppers can divide purchases into three interest-free payments.
Merchant fees: Merchant signup has no setup or monthly service fees, and PayJustNow charges a transaction fee after an order is processed.
Developer integration: PayJustNow provides developer tips and tools to integrate its payment system, with a business support link to get started.
Security: PayJustNow says it uses a PCI DSS certified service provider and uses Peach Payments and/or Stripe as its card processor.
Privacy compliance: Its privacy policy says the company implements practices that comply with South Africa’s Protection of Personal Information Act (POPIA).
Missed payments: Late or missed Pay in 3 payments may result in a small penalty fee; missed Pay in 12 payments may incur a late fee and be reported to the Credit Bureau.
Headquarters: 3rd Floor Sunclare Building, 21 Dreyer Street, Claremont, Western Cape, 7708, South Africa

Where it ranks on The Geeks Club

Best Buy Now, Pay Later Platforms in 2026#7 of 26

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Sources

payjustnow.com· checked 9 Oct 2026
payjustnow.com/payin3/· checked 9 Oct 2026
payjustnow.com/payin12/· checked 9 Oct 2026
payjustnow.com/bnpl/· checked 9 Oct 2026
payjustnow.com/retail-credit/· checked 9 Oct 2026
payjustnow.com/pci-dss-policy/· checked 9 Oct 2026
payjustnow.com/privacy-policy/· checked 9 Oct 2026