How PayJustNow works

Modified on Wed, 12 Jun at 10:23 AM

PayJustNow provides consumers with the opportunity to conveniently split their purchase into three manageable payments.

The first instalment is charged at checkout, while the second instalment is automatically debited on the day you specified, either later in the month (if you shop with us more than 5 days before this month's pay day) or the following month (if you shop within that 5-day window). The third and final instalment is taken on the same day of the month following that.

Our aim is to ensure that there is a pay day between instalments, allowing you to stretch your payments without stretching yourself.

If you are shopping online, Once you have paid the first instalment, we notify the merchant to ship your goods according to their standard shipping terms. If you are at the till in-store, the Point of sale will ring up and complete the transaction before you leave the store.

Your spend facility is assigned when you sign up with PayJustNow and is displayed in your profile. If your purchase value exceeds your facility, the difference is added to your first instalment.

As long as you make your payments on time, you will not be charged any extra fees or interest.

You must authorise the first payment, and the second and third payments will be debited from your nominated card as specified above. Once the order is fully settled, the value of the order is released and becomes available again in full.

Once you are signed up you can check out with one of our partner merchants which you can find here.

You may only use the Payment Services if you are 18 (eighteen) years and older. By agreeing to the Agreement and using the Services, you confirm that you:

5.6.1. have a valid bank Card issued in your name;

5.6.2. are a permanent resident of South Africa, or lawfully reside in South Africa;

5.6.3. are permanently employed or self-employed;

5.6.4. have not applied for or are not currently over-indebted, under debt counselling or subject to debt review;

5.6.5. have not been declared mentally unfit or ill by a court, or under administration

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