South Africa's #1 BNPL PlatformBuy now, pay later.
Split your purchase over two paycheques. No interest. No deposit.
Your paycheque, reimagined
Flexible instalments, zero interest, and payments timed to your paycheque. At 2000+ of South Africa's favourite stores.
Start shopping
Flexible payments
2 or 3 instalments, your choice.
Up to R25,000
A personalised limit based on your affordability.
Zero interest
Always. No hidden fees, no surprises.
Available at thousands of stores
No long forms.No interest.No nasty surprises.
- 01
Create your account
Sign up and get approved with a personalised spending limit of up to R25,000 based on your affordability.
- 02
Fill your cart
Browse 2000+ of South Africa's top stores online. Add what you love and let Happy Pay handle the rest at checkout.
- 03
Pay with Happy Pay
Select Happy Pay at checkout. Link your bank to pay in 2 with zero deposit, or pay in 3 with just 25% due at checkout.
Built different. On purpose.
We built Happy Pay to keep you in control. Because flexible spending should never come at a hidden cost.
Start shopping with nothing upfront. Link your bank account to unlock zero deposit, and your first instalment only comes off your next paycheque.
80% of our users have never paid a late fee. That's not luck, it's by design. We only ever give you a limit you can afford, so you're set up to succeed from the start.
Every purchase puts Spekboom in the ground. 1% of every transaction goes towards planting South Africa's favourite carbon-capturing super-plant.
Pay on time and watch your limit grow. Happy Pay helps you build healthy spending habits.
Manage everything in one place.
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2000+ stores, one feed
Ackermans
Crocs South Africa
Vans
Edgars
Legit
Tekkie Town
TimberlandSA
Birkenstock
Eleven Past
GALXBOY
Hifi Corporation
Incredible Connection
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Your limit, at a glance
Orders
Every plan, zero interest
Clicks ClubCard
Dis-Chem
Pick n Pay Smart Shopper1234 5678 9012 3MANAGE
Loyalty cards
Every store card, one wallet
What Our Shoppers
Are Saying
3,236 App Store reviews
The setup took like two minutes and it’s been smooth sailing since. So happy ;)
Best deals and amazing payment arrangement, saved me so much!
Most amazing brands and incredible deals, I can’t rave about Happy Pay enough.
How epic is Happy Pay! 2 interest free payments on the best merchants around, everyones gotta get on this :D
