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, rather it 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.


How easy is it to apply for a Payflex account?

It’s super easy! Payflex provides a simple and hassle-free payment option. 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.


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.


Does Payflex charge the customer any interest/fees?

The good news is that Payflex does not 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.  

Total penalty default fees charged are capped at R255.00 (including VAT), or 50% of the Purchase Price (including VAT).

Penalties are calculated as follows: 

A R85.00 fee is charged the day after you default. Further default fees apply for every week that the unpaid amount remains outstanding. So, another R85.00 fee is charged on day 7 and day 14 of the default period. Default fees for late payment are capped at R255.00. Please see Section 8 of the terms and conditions on our website for more information.


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

If it’s your first ever time using Payflex, welcome! Payfelx will need to iron out some small details (you know, the usual: name, mobile number, email address, and South African ID number) and will then do a quick automatic credit and ID assessment to check that you are who you say you are and all that! Their 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.


How do I make a Payflex purchase online?

The short answer is: easily! When you’ve found the item you can’t live without – even if you’re not feeling too flush – click “add to cart”, head to the payment page and select Payflex as your payment method. 

If you’re a Payflex first-timer, Payflex will need to do a painless assessment. Provide a few personal deets like your name, email address, and ID number and their super-quick, awesome software will assess your application. Their system works in real time, so if everything checks out, you’ll be good to shop in less than a minute. You’ll have to agree on the instalment schedule and pay your first instalment. Then it’s business as usual: we’ll prepare your goods and ship them off to you.


When will my payments be due?

If you qualify for Payflex services, your first payment of 25% will be paid upfront and your goods will be delivered as if you’d paid the whole shebang! After that, the next three (3) payments of 25% each will be paid automatically every two (2) weeks, over six (6) weeks.

Payflex will try to take your payment during the day, but if things go pear-shaped for whatever weird technical reason (or if you’d like to make a payment in advance) you can log in to Payflex’s Customer Portal and make your payment manually.


My OTP (One Time Pin) hasn’t been delivered?

We understand how frustrating it is not to receive a message, especially one as important as the OTP (One Time Pin). Try resolve this by performing the following steps:

    1. First, try pressing the Resend Code on the OTP screen. If this doesn’t work, then:
    2. Restart your phone. It may be best to begin the process from scratch. Follow the steps until you reach the OTP page again. 
    3. If you are still not receiving an OTP, then check with your Mobile Network Provider to see if your number is blocked from receiving SMSs from certain local and overseas numbers. (A common problem is that, if you have ported your number from one network to another, international SMSs are automatically blocked). 

If none of the above helped please email support at  support@payflex.co.za 


Have more questions about Payflex?

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