We've partnered with PAYFLEX!
To make it easier for our customers to purchase our great Plant Based products we've partnered with Payflex. If you are wondering who and what Payflex is and how it'll make your shopping way easier and more affordable then we've added the FAQ's right here.
What is Payflex?Payflex is not a credit provider.
Payflex provides interest and charge-free
payment plans for low-value amounts over 6 weeks. This is commonly
referred to in the industry as BNPL (Buy Now Pay Later) services. If one does not meet the required instalment dates, penalties are incurred, but not in the form of interest.
* Default fees apply if you miss a payment.
How easy is it to apply for a Payflex account?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.
Is it safe to use Payflex?
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.
Are there really no extra fees or interest rates?
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.
What do I need to make my first purchase using Payflex
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 card
Am I eligible to shop using Payflex?
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!
What’s my spending limit?
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.
How many orders can I place at the same time?
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.
Where can I pay using Payflex?
Ah, here’s the fun part! We’ve got thousands of online and in-store merchants all over South Africa. Check out our Store Directory and In-store Directory and browse our fantastic merchants. If your favourite merchant doesn’t have Payflex yet, pop us an email at support@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.
What’s the maximum I can spend with Payflex?
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.
Are my payment details safe with Paylex?
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.
What cards does Payflex accept?
You can use any Visa, Mastercard or Amex card (debit, credit, or cheque) to make a Payflex payment. It’s seriously simple.
How do I make a Payflex purchase online?
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.
Does Payflex charge the customer any interest/fee?
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.
When will my payments be due?
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.
Any other questions you may have can be answered via this link on Payflex's website - https://payflex.co.za/shopper-faqs/