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.