Happy Pay - Buy Now Pay Later

Shop now, pay later with Happy Pay. Browse top brands in app or online, track deals in real time, and split purchases over two paycheques, interest-free. Get a personalised spend limit of up to R25,000 and enjoy the smarter way to pay.

HAPPY PAY FEATURES:
SHOP AND DISCOVER IN APP
- Browse a personalised shopping feed built around what you like
- Find trending products and top brands in one place
- Track real-time deals and price drops as they happen

NO DEPOSIT* + INTEREST FREE
- Qualifying customers can shop with no deposit
- Pay zero interest when you pay on time
- No hidden fees

SPEND LIMIT UP TO R25,000
- Get a personalised spend limit up to R25,000
- Limits are set based on affordability and repayment behaviour
- Unlock more spending power over time with consistent on-time repayments

MANAGE IT ALL IN ONE PLACE
- View your purchases, upcoming payments, and available spend limit
- Get notifications so you never miss a payment
- Secure payments end-to-end

*No deposit is available to qualifying Happy Pay Plus customers. Lite customers may be required to pay a deposit. Limits and eligibility are subject to affordability and repayment behaviour. Late fees may apply if you miss a payment.