Multiple orders? We call it your "Concurrency" Badge.

In most cases, When you first sign up, PayJustNow only allows you to process one transaction at a time. This policy aligns with our commitment to providing a fee-free and interest-free service that benefits you, the consumer.

We've noticed that payment facilities can sometimes lead to financial stress for consumers. That's why we've made PayJustNow as user-friendly as possible. We also reward responsible behaviour, so new users are only allowed one open transaction at a time. This rule changes after your second transaction, provided we have successfully collected one of your scheduled instalments automatically, and you haven't missed any payments.

In this initial period, we gather data from your interactions with us. This data helps us decide when to increase spending limits, without requiring you to submit additional documents or personal information.

Our system uses a data-driven algorithm that analyses purchase patterns and payment behaviours to review your spending limit over time.

Remember, PayJustNow isn't a revolving credit facility. It's a tool to help you manage your budget, allowing you to get what you want now and pay for it over time. As such, your payments aren't made available again until the order is fully paid off. We aim to alleviate the pressures of interest, fees, and the strain of revolving credit.

It's crucial for you to understand this because we created PayJustNow with consumers like you in mind. We're thrilled that you've found us. 

Our goal is to help you, the South African consumer, not add to your financial stress.