PayJustNow review
A South African BNPL option with omnichannel checkout and broad merchant integrations.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
PayJustNow is a South African buy now, pay later platform for merchants and shoppers. It supports online and in-store purchases through two repayment options: three interest-free instalments or monthly payments over 12 months. Merchants can offer these choices through ecommerce integrations, POS connections, QR-code checkout, the PayUp merchant app, or a RESTful API. That makes it suited to retailers that want instalment payments across more than one sales channel, particularly businesses serving shoppers in South Africa.
Commercial arrangements are handled through sales and the merchant agreement. The published product details describe a monthly service fee and merchant payment timing set by contract, with daily, weekly, or monthly settlement schedules available. PayJustNow pays the merchant the full purchase amount upfront while collecting instalments from the shopper. Its merchant dashboard adds revenue, refund, sign-up, and shopper-trend reporting, while instant refund wallet and early instalment repayment features support post-purchase and repayment workflows.
The integration footprint covers Shopify, Magento, WooCommerce, Salesforce Commerce Cloud, PrestaShop, and Shopstar, alongside POS connections with ACS, Cow Hills, BCX, Posworx, and Yoyo. Merchants with a direct integration requirement can use the RESTful API. The main fit is a South African retailer seeking both ecommerce and physical checkout support, with reporting and upfront settlement included in the operating model. Businesses seeking a free merchant plan or a broader consumer-region focus should consider a different option.
PayJustNow pros and cons
- Where it wins
- Pay in 3 interest-free instalments and Pay in 12 monthly payments
- Online, in-store, POS, and QR-code checkout options
- Upfront full merchant payment with reporting and refund tools
- Where it doesn't
- Commercial terms are handled through sales and the merchant agreement
- No free plan for merchants
- Consumer region focus is South Africa
PayJustNow fact sheet, pricing and score →
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