STAY. PLAY. PAY LATER.

Yes. Payflex offers the first truly free spending plan in South Africa. Buy now and pay later with Payflex, and it won’t cost you a cent more (if you pay on time). Default fees apply if you miss a payment.

We pride ourselves on keeping things simple 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.

You can use any American Express, Visa or Mastercard cards (Debit, Credit or Cheque) to make a Payflex payment. It’s so simple.

That’s right and we’ll shout if from the rooftops! THERE REALLY IS 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? There’s only one time you would ever pay more and that is if you miss a scheduled payment. If you miss you scheduled payment then sadly, we’ll have to charge a R65 (incl. VAT) default fee to cover our costs and a further R65 (incl. VAT) for every week the instalment is outstanding for a maximum of three (3) charges.

So, to avoid the added drama, make sure you have money in your account in advance of your scheduled instalments. We’ll email you in advance every time as a reminder.

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.

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 a number of factors to work out your spending limit. Unfortunately, if you don’t meet them, you will be declined.

It’s not that we’re being mean, just responsible. We actually have your best interests at heart, and we need to make sure our customers are all geared up to make payments on time.

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, for six (6) weeks.

We’ll definitely 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 earlier, you can log in to your Payflex account (https://portal.payflex.co.za/login) and make your payment manually. Just a heads up, you’ll need to make the payment before midnight on the day it’s due or you’ll incur that dreaded default fee of R65.00 (incl. VAT).

If you like to err on the side of caution and want to make an advanced payment instead of your scheduled automatic 25% instalment, no problem. Yay you for being so organised!

Simply log into your account at (https://portal.payflex.co.za/login), go to “Payments” where you’ll see the “Pay” button. If you’ve missed a payment, the same process is followed, but make sure you pay it by midnight the day it is due to avoid a default fee of R65.00 (incl. VAT).

Oh dear, that’s annoying, but don’t stress, you can change your card details by logging into your Payflex account (https://portal.payflex.co.za/login). Go to ‘My Profile page’ and click the ‘Add New Card’ button. Once you’ve added a new card and activated it by making a manual payment, it will become your active card for that order.

It’s that simple – and we’ll take payment from your new card going forward! Don’t forget to cancel your lost or stolen card though, we don’t want anyone else flexing their Payflex muscles using your card!

You can change a card by logging into your Payflex account (https://portal.payflex.co.za/login), visiting the My Profile page, and then clicking the ‘Add New Card’ button. Once you’ve added a new card and activated it by making a manual payment it will become your active card. We will no longer try and take payment from previous cards after a new card becomes active.

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.

We promise you that we deal with your information in accordance with our privacy policy.

Don’t stress as this can take some time depending on which bank you're with. If it’s been over five (5) working days since receiving an email confirmation of the refund, then please drop us a line at support@payflex.co.za so that we can get right on it for you.

That’s okay, we won’t unfriend you yet. Just pay manually by logging into your account at (https://portal.payflex.co.za/login). Go to “Payments” where you’ll find the “Pay” button. Make sure you pay it by midnight the day it’s due to avoid that dreaded default fee of R65.00 (incl. VAT).

Sadly, not really, as your Payflex scheduled payment dates are automatically set. So please, please, please, before you confirm your Payflex order, make sure you check that the scheduled two-weekly payment dates suit your budget and bank account. You are however welcome to make an early payment at any time.

Simply log in to your Payflex account (https://portal.payflex.co.za/login), head to the “My Payments” page, go to “Make the next Part Payment early” button and click the green “Pay” button.

We’re all human and it happens to the best of us. Just drop us a mail to support@payflex.co.za and we’ll see how we can make a plan. We’re in this together, right?

We will be BFFs forever! Make a manual payment at any time by logging into your account at (https://portal.payflex.co.za/login).

Go to “Payments”, look for the “Pay” button which shines brightly next to any upcoming or overdue payments, simply hit this button with all you might to make a payment using your debit, cheque, or credit card.

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, however you don’t, we won’t be super mad at you, but we will have to add a default fee of R65.00 (incl. VAT) to your account to cover our costs. A further R65.00 (incl. VAT) will be charged for every week that the payment remains unpaid. Our default fees are capped at a total of R195.00 (incl. VAT) but we really 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) and we can’t promise that they won’t be super mad at you…