About PayJustNow
PayJustNow is a payment solution platform from PayJustNow that simplifies the online purchasing process. It combines flexible payment options, an easy-to-use interface, and secure transactions so users can shop with confidence. The platform allows customers to split their purchases into manageable installments, which can help improve cash flow for both buyers and merchants. PayJustNow also integrates with various e-commerce platforms, making it adaptable for different business environments. Key capabilities: payment installment plans secure transaction processing integration with e-commerce platforms customer account management real-time transaction tracking Best for: online retailers that need to provide customer-friendly payment alternatives.
Payjustnow is a game-changer for the South African retail landscape. It has successfully digitized the "lay-by" concept but with the benefit of immediate gratification—you get the product now and pay later. Its greatest strength is its simplicity and transparency, offering a debt-trap alternative in a high-interest economy. For retailers, it serves as a powerful marketing and conversion engine, and for consumers, it provides a disciplined way to manage cash flow. It is arguably the most essential payment integration for any modern South African merchant.
Pros & Cons
- +The system actively prevents debt spirals
- +The checkout process is extremely fast
- +It is truly interest-free
- −Strictly requires a positive credit standing
- −The late fees can be high if a user misses a payment.
Features
Key features
- Three-Installment Payment Plan
- Automatically splits a purchase into three equal payments: 1/3 upfront, 1/3 at the start of the next month, and 1/3 at the start of the following month.
- Zero Interest & Zero Fees
- Provides credit to consumers without charging interest or administrative fees, provided payments are made on time.
- Instant Credit Decisioning
- Uses a proprietary AI engine to perform real-time credit checks and identity verification during the checkout process.
- In-Store QR Code Payments
- Beyond e-commerce, it allows users to shop in physical retail stores by scanning a QR code at the point of sale.
- Merchant Discovery Directory
- An in-app "Marketplace" that drives traffic to partner retailers by categorizing shops by industry and location.
Additional features
- Automated Scheduled Collections
- Syncs with the user's debit or credit card to pull installments automatically on due dates.
- Spend Limit Management
- Provides users with a dynamic "spend limit" that increases based on positive repayment behavior.
- Merchant Integration Plugins
- Pre-built extensions for major e-commerce platforms like Shopify and WooCommerce.
- Identity Verification (KYC)
- Integrated system for scanning IDs and verifying South African bank accounts.
- Dashboard for Retailers
- A comprehensive portal for merchants to track sales, settlements, and customer demographics.
- Early Settlement Option
- Allows users to pay off their remaining installments early through the app without penalty.
- Automated Reminders
- Sends push notifications and emails before an installment is due to help users avoid late fees.
- Vulnerability Checks
- Built-in safeguards to ensure credit is only extended to those who can afford the repayments.
- Refund Management
- Streamlined process for merchants to process partial or full refunds back to the customer's Payjustnow account.
- Geographic Store Locator
- Uses GPS to show users which physical stores nearby accept Payjustnow.
Pricing
Countries & Languages
Available in
Interface languages
Billing currencies
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About PayJustNow
PayJustNow is a payment solution platform from PayJustNow that simplifies the online purchasing process. It combines flexible payment options, an easy-to-use interface, and secure transactions so users can shop with confidence. The platform allows customers to split their purchases into manageable installments, which can help improve cash flow for both buyers and merchants. PayJustNow also integrates with various e-commerce platforms, making it adaptable for different business environments. Key capabilities: payment installment plans secure transaction processing integration with e-commerce platforms customer account management real-time transaction tracking Best for: online retailers that need to provide customer-friendly payment alternatives.
PayJustNow Details
PayJustNow's In-App Market Place
Does PayJustNow have an in-app market place?
Yes
How many Mini-Apps in the marketplace?
1
Mini Apps
N/A
Pricing Options
Accepted Payment Currencies
ZAR ()
Pros & Cons
- The system actively prevents debt spirals
- The checkout process is extremely fast
- It is truly interest-free
- Strictly requires a positive credit standing
- The late fees can be high if a user misses a payment.
PayJustNow's Support Options
Email Address
support@payjustnow.comChatbot
AvailablePayJustNow's Alternatives
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