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Which stores use PayJustNow? Picture this: 1.5 million South Africans splitting purchases into three interest-free payments at over 2,700 retailers. A new TV from Makro, sneakers from Puma, or tiles from CTM—no need to pay it all upfront. Shoppers pay a third today, another third next month, and the final third after that. Retailers, meanwhile, watch baskets grow by up to 30%.
This article dives into the stores embracing PayJustNow in 2025, how it works, and why it’s a gameplan for smarter spending. From fashion to electronics, here’s everything needed to shop or sell with ease.
What is PayJustNow?
PayJustNow lets shoppers divide purchases into three equal payments. No interest, no hidden fees—just a straightforward plan. Pay a third at checkout, then two more monthly payments. Miss a payment? A R125 weekly fee kicks in, capped at 25% of the purchase. South Africans over 18 need a debit or credit card, email, and ID to sign up. It takes minutes. Retailers benefit too. With 27.3 million referrals to merchant sites last year, PayJustNow drives traffic and boosts sales. Defaults stay low, and refunds hit wallets instantly. It’s budgeting made simple for shoppers and profitable for stores.
Which stores use PayJustNow in 2025?
Here’s a snapshot of top retailers accepting PayJustNow, from fashion to electronics. The table below highlights 15 popular stores, their categories, and how they integrate this payment option. For the full list of over 2,700 merchants, visit payjustnow.com.
| Store Name | Category | Online/In-Store | Max Spend Limit |
|---|---|---|---|
| Superbalist | Fashion | Online | R5,000 |
| Edgars | Fashion | Both | R10,000 |
| Makro | General | Both | R15,000 |
| Game | Electronics | Both | R10,000 |
| Puma | Sportswear | Online | R5,000 |
| adidas | Sportswear | Online | R5,000 |
| NWJ Jewellery | Jewelry | Both | R8,000 |
| CTM | Home | Both | R12,000 |
| Cape Union Mart | Outdoor | Both | R7,000 |
| First Ascent | Outdoor | Online | R6,000 |
| Hey Gorgeous | Beauty | Online | R4,000 |
| Isabella Garcia | Beauty | Online | R4,000 |
| Goodhope Tyres | Automotive | Both | R6,000 |
| Zando | Fashion | Online | R5,000 |
| Levi’s | Fashion | Online | R5,000 |
Fashion lovers flock to Superbalist and Zando. Both offer PayJustNow online, splitting costs for dresses or sneakers. Edgars steps up, accepting it in-store and online. Need a new fridge? Makro and Game have PayJustNow for big buys, no deposit needed. Outdoor fans hit Cape Union Mart for gear, paid over three months. Even car maintenance gets easier—Goodhope Tyres lets drivers spread tire costs. These stores, and thousands more, make budgeting a breeze.
Stores That Skip PayJustNow
Some big names opt out. Woolworths uses Payflex, a similar split-payment tool. Mr Price sticks to cash, card, or lay-by—no BNPL yet. Sportscene also passes, offering lay-by with a 10% deposit over three months. Shoppers eyeing these retailers need other plans. Checking PayJustNow’s site confirms who’s in and who’s out.
Why Retailers Love It
Stores see baskets balloon—sometimes by 50%. Shoppers add extra items, knowing payments stretch over months. PayJustNow manages defaults, keeping risks low. Instant refunds to wallets encourage repeat buys. Edgars, for instance, rolled out PayJustNow nationwide and saw sales climb. Makro reports bigger appliance purchases. With 75% of transactions from repeat customers, retailers cash in while shoppers save stress.
How to Shop with PayJustNow
Signing up is quick. Head to payjustnow.com, enter an email, and set a password. Add an ID and card details—debit or credit works. Once approved, a spend limit sets the shopping range. At checkout, pick PayJustNow, choose payment dates, and pay a third upfront. Goods arrive like a full-price buy. Online or in-store, it’s seamless. Late payments trigger fees, so sticking to dates keeps it free.
Tips for Shoppers
Start small. Test PayJustNow at Zando for a R500 outfit before splurging at Makro. Check limits—each store varies. Set reminders for payment dates; apps like Google Calendar help. Retailers can join too. Signing up boosts sales with zero integration hassle. Contact PayJustNow’s team to get started.
BNPL in South Africa
Buy-now-pay-later grows fast. PayJustNow’s 1.5 million users dwarf competitors. Payflex and Float trail, but the market’s heating up. Retailers adopting BNPL see loyalty spike—shoppers return for the flexibility. South Africa’s economy, with tight budgets, fuels demand. Expect more stores to join by 2026.
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Wrap-Up
Which stores use PayJustNow? From Superbalist’s fashion to Makro’s appliances, thousands of retailers help South Africans shop smarter. The table above captures the variety, but PayJustNow’s site lists every partner. Split payments, zero interest, bigger baskets—it’s a win for all. Visit payjustnow.com to start shopping or bring it to a store.
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