Payflex review
A flexible South African BNPL option for Shopify merchants with multiple checkout paths.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Payflex is a South African buy now, pay later service for merchants and shoppers. It supports Pay Now, Pay in 2, Pay in 3, and Pay in 4 at online and in-store checkout. Pay in 2 is spread over two paydays, Pay in 3 over three paydays, and Pay in 4 over six weeks. Pay Now is completed in one payment. The platform is especially suited to South African Shopify merchants, while custom ecommerce businesses can connect through the merchant API.
Integration options are a central strength. Merchants can use hosted checkout through redirect URLs, embed checkout with an iframe, or build a custom connection through the API. Plugins or add-ons are available for Shopify, Magento, and WordPress WooCommerce, while Payfast provides access to the merchant dashboard. This gives smaller merchants and custom ecommerce teams several implementation paths, although the platform ecosystem is centered on these listed integrations rather than a broad range of services.
Payflex also separates merchant settlement from customer repayment: merchants are paid upfront, less applicable commission, while Payflex manages customer collections and credit risk. The merchant page describes a nominal monthly service fee and transaction fees, and the listed pricing model is contact sales rather than a self-serve plan. A consumer app supports payment and order management. Merchants seeking online and in-store financing across South Africa should find the checkout choices and settlement model relevant; businesses needing wider consumer-region coverage or integrations beyond Shopify, Magento, WordPress WooCommerce, Payfast, and custom API connections should choose an alternative.
Payflex pros and cons
- Where it wins
- Pay Now and Pay in 2, 3, or 4 payment options
- Hosted, embedded, API, and plugin-based checkout integrations
- Merchants receive payment upfront while Payflex manages collections
- Where it doesn't
- Pricing is handled through contact sales
- Consumer availability is focused on South Africa
- Integration coverage centers on a limited set of platforms
Payflex fact sheet, pricing and score →
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