Introducing the PayJustNow Wallet!

We get it—returns happen. But why should you have to wait days to get your money back? With traditional refunds, it's out of your cart and out of sight for 3–5 days. 

Say hello to the PayJustNow Wallet! When you process a refund, your money is back in your Wallet instantly. No more waiting. No more frustration.

Want to get back to shopping? Your Wallet balance is ready to spend across our entire PayJustNow network, right away. You can finally say goodbye to those annoying refund delays and keep the shopping spree going! 

Why wait for your own money? With PayJustNow, you don't have to.

Just a quick note:

While both the Facility and the Wallet are parts of your PayJustNow profile, they serve different purposes. 

The Facility helps you spread out the cost of purchases over three instalments, whereas the Wallet functions as money that you can use directly for payments, similar to your, bank issued, debit card or credit card.

The PayJustNow Wallet is an innovation for you! Here's what you need to know:

What is the PayJustNow Wallet?

The PayJustNow Wallet is your personal, virtual wallet where refunds from retailers using the PayJustNow system are deposited. Instead of waiting 3–5 days for a traditional refund, you receive it instantly in your Wallet.

How do I access my PayJustNow Wallet?

You can access your Wallet directly from the PayJustNow app or website by logging into your account. Navigate to My Wallet in the menu.

How do I use my Wallet?

You can choose to use all the value in the Wallet to make a payment on your next 1st instalment, or simply pay the first instalment value. If your Wallet value is less than the first instalment, we will debit your card for the balance. Settling the 2nd or final instalment from the Wallet is only possible if the Wallet value is equal to or greater than the instalment.

How quickly will I receive my refund in the Wallet?

Instantly! As soon as a refund is processed, the money is available in your Wallet.

Where can I use the money in my Wallet?

Your Wallet balance is spendable across the entire PayJustNow network. Dive right back into shopping wherever PayJustNow is accepted!

Can I withdraw my Wallet top up balance from my Wallet to my bank account?

If your Wallet balance is from a FinChoice top-up, unfortunately, cash withdrawals are not possible due to banking regulations. You can, however, return any unused funds to FinChoice to reduce the loan amount. For us to process this, we just need an email instruction from the email address linked to your PayJustNow profile, confirming that you'd like to send the top-up balance back to FinChoice. PayJustNow can only withdraw your bank account with money that has been credited to your wallet from a refund of an order.

Introducing the Wallet Top up feature in partnership with FinChoice.

Can I withdraw my Refund from my Wallet to my bank account?

Currently, the balance in your Wallet is to be used for shopping across our network. We're focused on giving you an instant shopping opportunity without the wait! Should you want to have the money returned to your card and are happy with the 3-5 day wait - please email support@payjustnow.com with your bank details? 

As a security measure, you will need to have validated your identity by navigating to “My Profile” and taking a selfie. Check out how it works here > Wallet Withdrawal.

Why did we innovate with the PayJustNow Wallet? 

The retail landscape is evolving, and with the PayJustNow Wallet, so is the refund process.

Why Change the Refund System?

Traditional refund systems often mean a lengthy 3-5 day waiting period for the consumer. This not only results in customer dissatisfaction but also missed sales opportunities.

The Solution: PayJustNow Wallet

Our Wallet system is designed to turn potential friction into a seamless, enjoyable experience. With immediate refunds deposited directly into the consumers' PayJustNow Wallet.

Benefits for Retailers:

Improved Customer Retention: An instantly refunded customer is a happy, loyal customer.

Increased Sales Opportunities: With instant refunds, consumers can make a new purchase immediately. Streamlined Refund Process: No more lengthy processes or logistics. Refunds are swift and hassle-free.

Benefits for Consumers:

Immediate Refunds: Say goodbye to waiting. Your money is back with you instantly.

Flexibility: Use your Wallet balance across the vast PayJustNow network.

No More Waiting: Dive right back into your shopping spree without skipping a beat. Where ever and when ever you need. No fees, no fuss. The PayJustNow way.