Payflex FAQ's

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.

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.

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.

That’s right, and we’ll shout it from the rooftops! THERE REALLY ARE NO INTEREST OR EXTRA FEES. Simply put, we’re not like your traditional finance companies. We believe in giving you the choice to get it now and pay later! Pay your scheduled payments on time and you’ll pay the original price your item was advertised for. It does sound too good to be true, doesn’t it? Well, it’s not. There’s only one time you would ever pay more…and that’s if you miss a scheduled payment. Then, sadly, we’ll have to charge a R75.00 (incl. VAT) default fee to cover our costs and a further R75.00 (incl. VAT) for every week the instalment is outstanding for a maximum of three (3) charges. So, to avoid the drama, just make sure you have money in your account in advance of your scheduled instalment. We’ll email you in advance every time as a reminder.

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.

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!

Obviously, we want you to spend as much as you want to, but someone has to be the grown-up. Your spending limit is based on a few factors, but basically, it comes down to your payment behaviour. We’re in this together, so if we see you’ve got our back and keep a good repayment history with Payflex, then we’ll happily increase your spending limit. So, in a nutshell, keep up with your payments. Keeping your score healthy is a two-way street, so if you miss or default on your Payflex payments, we may decrease your spending limit. So make sure you pay on time.The best way to check your current spending limit is to download the latest version of the Payflex App on the Apple App Store, Google Play or Huawei AppGallery and pay that way. The limit is shown on the top left corner of the App once you have logged in.

If you’re a first-timer with Payflex, then you’ll have to hang tight until your second scheduled payment has been paid. After that, you can go multiple-order crazy.

Ah, here’s the fun part! We’ve got thousands of online and in-store merchants all over South Africa. Check out our Store Directory and In-store Directory and browse our fantastic merchants. If your fav store doesn’t have Payflex yet, no worries! Just pop us a mail at and we’ll contact the store to add Payflex as a payment method.

This depends on your individual Payflex assessment. If you purchase regularly using Payflex and always make your repayments on time, then you’ll be in our good books and we may increase your spending limit over time.

We’d never put you at risk! Our website is SSL-secure and we don’t store your card details. All payments are handled by a secure, PCI-compliant, South African-based payment gateway. You can rest assured knowing that we deal with your information per our privacy policy and POPIA requirements.

To take advantage of flexing the way you pay, you’ll need to meet our minimum requirements. If you weren’t approved for a flexible payment plan, then you may have a poor credit history or no history at all. After all, we are giving you access to a free spending plan – so our system will need to assess several factors to work out your spending limit. Unfortunately, if you don’t meet them, you will be declined. We’re not trying to be mean, we’re just doing the responsible thing. We truly have your best interests at heart, and we have to ensure that our customers are all geared up to make payments on time.

Oh dear, that’s annoying! Don’t stress, you can change your card details by logging into your Payflex account. Please note: to register a new bank card on Payflex, you will have to pay the next instalment or the total outstanding amount of your order in full using the new bank card.Important: Don’t forget to cancel your lost or stolen card, though! We don’t want anyone else flexing their Payflex muscles using your card. Follow these steps to change your card details on Payflex: First, you will need to log in to our Customer Portal Once you’re logged into the customer portal, follow these steps:Select the View Order button for the order that you wish to add the new card to.Click on the Make Payment button at the bottom of the screen.Choose your payment amount – either Pay Next Installment or Total Amount Outstanding – then click Make Payment.Now, instead of paying with your existing card, select Add new card details.Once you’ve selected Add new card details a new screen will appear. Follow the steps to capture your new card details.Once you’re finished, select Pay now and your payment will be processed on the new card.You can make this card your default card for all future payments on both existing payment plans and new purchases.

You change which bank account your payments come out of by changing your card details.First you will need to log in to our Customer PortalClick on OrdersSelect the View Order button Click on the Make Payment button at the bottom of the screen.Choose your payment option – so, either Pay next instalment or “Pay total amount outstanding, then click Make Payment.Now, instead of paying with your existing card linked to the bank account you don’t want the payments to come out of, select Add New Card Details.Once you’ve captured your new card details, select Pay Now and your payments will come out of the new bank account that you have just selected.You can make this card your default card for all future payments on all your existing payment plans and new purchases.

Log in to our Customer Portal (  and follow these steps: Select the View Order button for the order you wish to pay: Click on the Make Payment button at the bottom of the screen.Choose your payment amount – i.e., Pay Next Instalment or Total Amount Outstanding – then click Make Payment.

While we’d love to help, Payflex unfortunately has no control over the goods you’ve bought or their delivery. So, if there’s an issue, you’ll need to take it up with the merchant, and any subsequent processes are subject to their terms and conditions.

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First things first: you will need to contact the merchant. They are wholly responsible for the delivery of your product.If you cannot get ahold of the merchant, send us an email at with your order number and we will try to contact the merchant to check the status of your order. We will let you know as soon as we have heard back from them.

You can use any Visa, Mastercard or Amex card (debit, credit, or cheque) to make a Payflex payment. It’s seriously simple.

Ah, those dreaded default fees – which you’ll never have to pay, by the way, if you make all your scheduled payments on time. If you don’t make your payments on time, we won’t be mad at you. However, we will have to add a default fee of R75.00 (incl. VAT) to your account to cover our costs. A further R75.00 (incl. VAT) will be charged for every week that the payment remains unpaid for up to three (3) fee payments. Our default fees are capped at a total of R225.00 (incl. VAT). But, we strongly encourage you to get your payments up-to-date before you get to this point because, at this stage, your details may be passed onto a credit bureau (which could negatively impact your credit score).Penalties are calculated as follows:A R75.00 fee is charged the day after you default, and another R75.00 on day 7 and day 14 of the default period. Fees for late payments can reach a total of R225.00.