Payflex

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 R85.00 (incl. VAT) default fee to cover our costs and a further R85.00 (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 ourStore DirectoryandIn-store Directoryand browse our fantastic merchants. If your favourite merchant doesn’t have Payflex yet, pop us an email atsupport@payflex.co.za  and we will try and contact the merchant to offer Payflex as an additional payment option. However, it is the merchant’s choice to add Payflex to their checkout as a payment option as they pay to include the service.

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:

1. Select the View Order button for the order that you wish to add the new card to.
2. Click on the Make Payment button at the bottom of the screen. 
3. Choose your payment amount – either Pay Next Installment or Total Amount Outstanding – then click Make Payment. 
4. Now, instead of paying with your existing card, select Add new card details. 
5. Once you’ve selected Add new card details, a new screen will appear. Follow the steps to capture your new card details. 
6. 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.

Can I change the bank account my payments come out of?

You change which bank account your payments come out of by changing your card details. 

1. First you will need to log in to our Customer Portal
2. Click on Orders
3. Select the View Order button 
4. Click on the Make Payment button at the bottom of the screen. 
5. Choose your payment option – so, either Pay next instalment or “Pay total amount outstanding, then click Make Payment. 
6. 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. 
7. 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:

1. Select the View Order button for the order you wish to pay: 
2. Click on the Make Payment button at the bottom of the screen.
3. 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.

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 support@payflex.co.za 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 R85.00 (incl. VAT) to your account to cover our costs. A further R85.00 (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 R255.00 (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 R85.00 fee is charged the day after you default, and another R85.00 on day 7 and day 14 of the default period. Fees for late payments can reach a total of R255.00.

Please see Section 8 of the terms and conditions on our website.

Yes! We will be BFFs forever!  Make a manual payment at any time by logging in to ourCustomer Portal. Go toPayments, and look for thePaybutton (which shines brightly next to any upcoming or overdue payments). Simply hit this button to make a payment using your debit, cheque, or credit card.

Generally, we like to try to take payments after 4:30 AM. Should this fail (fingers crossed it won’t!) or if you’d like to make a payment earlier, simply log in to your Customer Portal and make a payment manually.

Sadly, no. Payflex scheduled payment dates are set automatically. 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 your bank account. You are, however, welcome to make an early payment at any time. Simply log in toourCustomer Portal and make a manual payment. 

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, we’ll need to do a painless assessment. All we need are a few personal deets like your name, email address, and ID number and our super-quick, awesome software will assess your application. Our 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, with the retailer preparing your goods for pickup or to be sent off.

The good news is we don’t 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 shall be 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.

If you qualify for our 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. We’ll 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 our Customer Portal and make your payment manually.

If you like to err on the side of caution and want to make a payment in advance instead of your scheduled automatic 25% instalment, no problem. Yay you for being so organised! Simply log into our Customer Portal  and go to Payments, where you’ll see the Pay button. 

If you’ve missed a payment, the same process applies.

Or, you can download the latest version of the Payflex App on the Apple App Store,  Google Play or Huawei AppGallery and pay that way.

Redeeming a Payflex Discount Coupon is delightfully simple, just watch this video. 

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.

Log into our Customer Portal and follow these steps to change your card details on Payflex:

First, you will need to log into our Customer Portal 

Once you’re logged into the customer portal, follow these steps:

1. Select the View Order button for the order that you wish to add the new card to.
2. Click on the Make Payment button at the bottom of the screen. 
3. Choose your payment amount – either Pay Next Installment or Total Amount Outstanding – then click Make Payment. 
4. Now, instead of paying with your existing card, select Add new card details. 
5. 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.

Oh, dear. This is very frustrating.

 You have enough funds on your card, but the instalment fails and you get an Installment Payment Failed notice from Payflex saying your account is in arrears. There are a few possible reasons for this. Unfortunately, they are outside of our control. Some of the reasons your instalment payment may have failed include:

1. Your bank’s risk system has declined the transaction as they cannot identify us. This is a common reason for failed instalment payments. It’s a mechanism designed by banks to protect their clients from fraud.
2. There are insufficient funds in your account. 
3. Your bank card is not enabled for online transactions.
4. Your bank’s system may not be running debit orders correctly. 

Whatever the reason is, we are unfortunately unable to resolve this on your behalf. You will need to contact your bank and inform them that the instalment debits are legitimate and request them to lift any holds there might be in place. This will ensure that your instalment payments are processed by the due date.

In the interim, please pay your instalments manually by visiting our Customer Portal.

That’s ok, we won’t unfriend you just yet! Just pay manually by logging into our Customer Portal. Go to Payments, where you’ll find the Pay button. Make sure you pay it before midnight on the due date to avoid that dreaded default fee of R85.00 (incl. VAT).

It can take some time for the refund to reflect in your account, depending on which bank you’re with. If more than seven (7) working days have passed since you received an email confirmation of the refund, then drop us a line at support@payflex.co.za so that we can get on the case for you.

Return/exchange queries should be directed to the merchant (store) that you purchased your goods from. Payflex is not responsible for any returns or exchanges.

We understand how frustrating it is not to receive a message, especially one as important as the OTP (One Time Pin). Let’s 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 drop us an email at support@payflex.co.za or leave us a message by clicking the support icon on the bottom right of the webpage.

Please visit ourCustomer Portal and click onForgot your password?

1. The first screen you’ll see is the Reset your password screen. Enter the email address that you used to register for Payflex Pay Later and press the Send OTP button. An OTP will be sent to the cell number that you registered with. 
2. Now, enter the OTP that was sent to your registered cell number. Then, enter in a brand new password. Press the Reset password button to reset your password. 
3. When resetting your password, please ensure that it consists of the following:

• At least 8 characters in total 
• 1 uppercase letter
• 1 lowercase letter