In a world where purchasing power is often under pressure, access to flexible payment solutions has become a necessity. PayJustNow offers an innovative response in South Africa, allowing consumers to buy now and pay in three interest-free installments.

PayJustNow, a fintech solution developed by a South African startup, provides consumers with a straightforward way to manage their purchases by splitting the cost into three equal, interest-free installments. Founded in Cape Town in 2019 by Craig Newborn, Greg van der Riet, and Mark McChlery, the platform offers a flexible payment option for shoppers.

"PayJustNow is evolving from South Africa’s favourite BNPL provider, to a payment platform offering a full suite of credit options, and connecting South African consumers and retailers, providing a one-stop shopping experience," stated Dean Hyde, who assumed leadership of the startup in 2022 following its acquisition by Weaver Fintech, a Mauritius-based entity.

The PayJustNow solution is accessible through a mobile application available on both iOS and Android platforms, which has been downloaded over one million times, according to the Google Play Store. To utilize the service, users must be at least 18 years old, reside in South Africa, possess a valid debit or credit card, and have an active email address and mobile phone number. Once an account is approved, users can immediately begin shopping.

When selecting PayJustNow as a payment method, the total purchase amount is divided into three equal payments. The initial payment is made at the time of purchase, with the remaining two installments due over the subsequent two months. Importantly, the service operates without interest charges, and fees are only applied in the event of a late payment. This structure offers consumers an alternative to traditional credit options, making goods and services more accessible without immediate financial burden.

Merchants also benefit from integrating PayJustNow, typically experiencing increased sales and enhanced customer loyalty.

As of March 2025, the fintech solution has reached 2.5 million users and is integrated with over 3,000 businesses, spanning across 10,000 points of sale throughout South Africa.

By Adoni Conrad Quenum,

Editing by F eriol Bewa