Understanding Your PayJustNow Check out Page and Instalment Dates
Managing your budget shouldn't be stressful. With PayJustNow, you can split your purchase into three, interest-free payments—and we’ve made sure there’s always a payday between them.
Here’s how your instalment schedule works
First Instalment — Paid at Checkout
Your first payment is charged immediately when you complete your purchase (whether online or in-store).
Make sure your card has enough funds at checkout to avoid a failed payment.
- If your purchase exceeds your facility, the difference will simply be added to your first instalment.
Second Instalment — Based on Your Selected Payday
When you sign up, you’ll choose your payday. We use this to schedule your second payment at a time that suits your budget.
How we schedule it:
If you shop more than 5 days before your payday →
Your second instalment will be debited on your payday in the same month.If you shop within 5 days of your payday →
Your second instalment will be debited on the same date, next month.
Final Instalment — One Month After the Second
Your third and final instalment will be charged one month after your second payment, on the same calendar date.
Example: How Dates Work
Let’s say your selected instalment date is the 25th:
If you shop on the 10th, your payment dates will be:
1st: 10th (at checkout)
2nd: 25th of the same month
3rd: 25th of the next month
If you shop on the 23rd, your payment dates will be:
1st: 23rd (at checkout)
2nd: 25th of the next month
3rd: 25th of the following month
Below is a breakdown of the Checkout page
Changing Your Instalment Date
You can update your selected payday anytime by going to Profile Settings.
Note: This change only applies to new purchases. Instalment dates for existing orders won’t be updated.
Missed a Payment?
If a payment fails, we’ll send you a reminder to retry it.
If it remains unpaid, a late fee will be added to your next instalment amount.
To avoid this, make sure your card has sufficient funds on the scheduled payment dates.
Shared Details & Instalment Restrictions
As an added security and anti-risk measure, if you share a bank card or cellphone number with another PayJustNow customer, the option to pay in 3 instalments will be disabled.
You’ll be required to pay the full amount upfront at checkout.
To restore your access to the PayJustNow 3-instalment benefit, please contact our support team at support@payjustnow.com for assistance or start a live chat in app by selecting Contact Us.
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