Friends relaxing on the grass with pool floats
Ad-subsidised payments network

More customers. Bigger baskets. Zero risk.

Reach high-intent shoppers, drive more sales, and offer interest-free BNPL with Happy Pay.

Get startedTalk to us
Average ROAS
18x
Average order value
R2,566
Registered users
1M+
Google rating
4.9★
BNPL 2.0

Not just a payment method. A full commerce network.

Happy Pay is the next generation of buy now pay later. Shoppers split purchases into two interest-free instalments, with spend limits of up to R25,000.

We connect your brand to 1M+ registered Happy Pay users, fund their purchases, and drive conversions both online and in-store. Most BNPL stops at checkout. We start there.

How it works at checkout

Add Happy Pay and start converting more sales today.

Get started
  1. 01

    Add Happy Pay

    Integrate Happy Pay at checkout in hours using our native plugins for Shopify, WooCommerce, Magento, and Adobe Commerce. Custom stack? Our API handles that too.

  2. 02

    Shoppers fill their carts

    Your customers shop exactly as they normally would, and 1M+ registered Happy Pay users can now convert at your checkout.

  3. 03

    You get paid upfront

    The shopper pays in 2 or 3 instalments; we settle you in full and carry the credit risk. More conversions, zero exposure.

Happy ads

The only ad platform that guarantees a sale.

Most advertising charges for your attention. We charge you for revenue. Happy Ads is South Africa's first Ad-Subsidised Payments Network.

You set the CPA. Nothing leaves your budget until an order converts. No monthly fee, no setup cost.

We use real purchase intent signals from our active shopper network to target the right person at exactly the right moment.

We place the ad and fund the purchase, so impression through to settled order is one record rather than a modelled guess.

Every impression reaches a shopper with spend already approved. It's the same network behind the 18x average ROAS.

Built different. On purpose

Every featureearns its place.

No fluff. No filler. Every part of Happy Pay is designed to put more revenue in your pocket.

Zero deposit.More sales.

Happy Pay Plus gives shoppers zero upfront payment when they link their bank account. Fewer abandoned carts. Higher conversion.

9:41
Shop
Available to spendR25,000
Search & Shop anywhere
AllFashionTechHomeBeauty
On SaleView all
50% OFF

Timberland Authentic Lace-up Boot

Timberland

R5,299

R2,649

43% OFF

iPhone 15

Revibe

R17,600

R10,099

50% OFF

Timberland Premium 6-inch Waterproof Boot

Timberland

R5,399

R2,699

FeaturedView all

Adidas Astrastar Sneakers

Tekkie Town

R1,899.95

Reebok Workout Plus

Street Gym

R1,799

On Cloudpulse Next 1.0

Street Gym

R2,499

New InView all
25% OFF

Track Jacket

R999

R749

Ceramic Vase

R199

Body Butter

R149

Your WishlistView all

Skincare Set

R249

Gaming Headset

R1,199

HomeCardShopOrdersProfile

  • Get paid upfront

    We settle with you directly. Your cash flow is never tied to how your customers repay us.

  • Smart affordability decisions

    Our AI-driven affordability model sets personalised spend limits based on real financial behaviour, not just a credit score.

  • Bigger baskets

    Shoppers spend more when they can split the payment. The average Happy Pay order comes to R2,566.

  • Good for business. Good for the planet.

    Every Happy Pay transaction contributes 1% to planting Spekboom across South Africa in partnership with Respek Nature.

Trusted by top merchants

What our
merchants say

From enterprise groups to fast-growing independents, Happy Pay is moving the needle.

The onboarding process was seamless and our customers adopted it quickly and positively. What truly stands out is Happy Pay's support. Whenever we need assistance, responses are quick, helpful, and highly professional.
Lesego LethokoE-commerce Manager, Timberland5 out of 5 stars
Since implementing Happy Pay on Incredible Connection and HiFi Corp we have seen an increase in sales without cannibalising our existing payment methods. We are looking to roll out their product to other brands within the group.
Devin KaneDigital Executive, JD Group (Incredible Connection and HiFi Corp)5 out of 5 stars
Most amazing brands and incredible deals, I can’t rave about Happy Pay enough.
Evelyn H.5 out of 5 stars

Available at thousands of stores

Superbalist
Vans
Edgars
Timberland
HiFi Corp
Crocs
Under Armour
Toys R Us
Birkenstock
Incredible
Ackermans
Russells
Le Creuset
Lemkus
Galxboy
Webtickets
Tekkie Town
Brights Hardware
Sealand
Soviet
Patio Warehouse
Hertex HAUS
Revibe
Standard Beauty
Legit
Alternative Airlines
Lelive
No monthly fees. No surprises.

You only pay when you make a sale.

Pure performance. You bid a percentage CPA per purchase and we handle everything else. No converted order, no charge.

Happy Ads

SALES ONLY

Performance advertising on our shopper network. You set the CPA. You pay on sales only.

STARTING AT
4.99%
Get started

Checkout Button

ONLINE

Add Happy Pay as a payment option at checkout. Native integrations with all major ecommerce platforms.

STARTING AT · per completed order
4.99%+ R4
Get started

In Store

AT THE TILL

Happy Pay at the till. In-store BNPL for your physical stores, so one relationship covers both channels.

AVAILABILITY
Coming soon
Register interest
Up and running fast

Hours to integrate.Built to last.

Native integrations with all major ecommerce platforms mean you can be live in hours, not months. Our team handles onboarding from start to finish. Custom stack? Our API makes it straightforward.

Talk to our integrations team
ShopifyNative Plugin
WooCommerceNative Plugin
MagentoNative Plugin
Custom APIAPI for any stack
Typical setup
1Hr
Developer needed
NO
Onboarding support
100%