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PayJustNow 4.9 168k+ ratings

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# The clever
way to pay

South Africa’s fastest-growing flexible payment provider. Pay in 3 or 12 online and instore. Split your spend.
Shop more. Stress less. Clever.

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## Shop now. Pay clever.

Why stretch yourself when you can stretch your spend? Pay in 3 and keep it easy, or Pay in 12 for the clever long game.

Pay in 3 Pay in 12

Pay in 3## Worry-free. Interest-free.

Keep it simple. Pay in 3 and split your spend into 3 equal payments. 0% interest. No hidden fees. No stress.

Learn more

Pay in 12## Level up, pay down.

Some things shouldn’t wait. Shop today, Pay in 12 and spread payments over a full year. Zero rush. Fair interest.

Learn more

## Why choose Clever?

Over clunky checkouts, delayed refunds, and the brands you love being off-limits? Say hello to The Clever Way.

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###### Flexible payments

Spread your spend over 3 or 12 months. Pay in 3 is interest-free. Pay in 12 gives extra time with a little interest.

###### Instant-refund Wallet

Returns go straight into your PayJustNow Wallet…no waiting, no hassle - ready to spend again.

###### Clever shopping, every time

Fast approvals, secure QR checkout, exclusive offers, and in-app support.

## Featured Stores
View All

Online only

### Superbalist

In-store only

### Game

Online & In-store

### Edgars

In-store only

### Adidas

## Deals
View All

Save up to 35%

30/11/2025

Sale

###### Save Up To 35% on Selected Clothing

Save R1400

30/11/2025

Discount

###### Apple iPad 9.7 - Now R1099!

Get R350 OFF

30/11/2025

Sale

###### R350 OFF Flights! Choose from 600+Airlines. T&C's apply

Get 25% OOFF

30/11/2025

Discount

###### Sign Up & Get 25% Off Your First Purchase

Sign up for Exclusive Deals

#### Sign up

## What customers are saying

5/5

Nadia Volschenk

Molatedi was a great help to sort out my online ID verification. Quick and effortless! Great after sales service. Keep it up!

5/5

Thandazwa Nzubenzinga

what a smart and easy way to pay! No paper work needed its a quick quick and safe process to pay whatever you need.

5/5

Hemiah Jr Khumalo

Honestly just a great initiative - keeps you from having to use credit (store cards) and its associated interest and costs.

5/5

Latricia Andrews

Being able to pay in installments with no interest is a game-changer! It allowed me to buy something I needed without breaking the bank.

5/5

Sulaiman Sathar

Excellent services, always helpful, good provider, return policies are easy, tashreeq whom I've interacted with was awesome.

5/5

Marian Rheinicke

I’ve used PayJustNow for nearly 2 years, and have really appreciated the flexibility of making bigger purchases.

5/5

187 reviews on

5/5

187 reviews on

## Get the App

Download the PayJustNow app to start shopping.

Disclaimer: A PayJustNow profile must be created to activate the app.

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##### Browse all stores and products
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#### Shopper

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#### Business

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- Request a Demo
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#### Resources

- Merchant Portal
- PayUp
- MajorOperational Status
- PAIA Manual
- Whistle Blowing

#### Contact us

Chatbot

###### Or email us at
support@payjustnow.com

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