Payflex guide

1. What is Payflex?

Payflex offers the first truly free payment plan in South Africa. Check out with Payflex and pay only 25% of the purchase price today. Your goods are shipped immediately, and you pay the rest over 6 weeks at no additional cost (zero fees, zero interest*).

Payflex is not a credit provider. Payflex provides interest and charge-free payment plans for low-value amounts over 6 weeks. This is commonly referred to in the industry as BNPL (Buy Now Pay Later) services. If one does not meet the required instalment dates, penalties are incurred, but not in the form of interest.

* Default fees apply if you miss a payment.


2. How easy is it to apply for a Payflex account?

It’s super easy! We pride ourselves on simplicity and making payments hassle-free. To apply for your Payflex account, simply select Payflex as your payment method at checkout, provide your ID number, and we’ll assess you in seconds. No documentation required. It’s that simple.


3. Is it safe to use Payflex?

Absolutely. Payflex is an established payments company that is part of the Zip Co Ltd. group listed in Australia. All payments are processed through state-of-the-art, PCI-compliant payment systems that ensure the security of your payments.


4. Am I eligible to shop using Payflex?

That depends on you. Are you over the age of 18? Do you have a South African-issued Visa or Mastercard debit, cheque, or credit card? Do you live in sunny South Africa and have a good credit history (which our automated system will review when you sign up)? Then you should be good to go!


5. Does Payflex charge the customer any interest/fees?

The good news is we don’t charge any interest! Payflex is a free spending plan. Shoppers get six (6) weeks to pay for their purchases without any interest or additional fees, as long as they stick to the terms and conditions. However, penalties apply if you miss an instalment.  


6. What do I need to make my first purchase using Payflex?

If it’s your first ever time using Payflex, welcome! We’ll just need to iron out some small details (you know, the usual: name, mobile number, email address, and South African ID number) then we’ll do a quick automatic credit and ID assessment to check that you are who you say you are and all that! Our system does this instantly and, if all is good and you agree to the payment schedule, you can make your first payment with any debit, credit, or cheque card. We accept all Mastercard and Visa cards.