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Buy Now, Pay Later
With Buy Now, Pay Later on your Yoco online checkout, customers get the flexibility to spread the cost, while you get paid immediately, with zero risk.
Available to eligible merchants on the Core plan.
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More of your bigger baskets go through.
A customer fills their cart, sees the total, and pauses. It's a lot to pay at once. Buy Now, Pay Later turns that pause into a sale.
Customers split the cost
Smaller, interest-free payments make the same purchase feel manageable. Same product, same price, just spread out.
You get the full amount
Paid the usual way, on your normal Yoco payout. Nothing about your cash flow changes.
The risk isn’t yours
The provider checks the customer and covers any missed payments. If a customer doesn't pay, that’s never your problem.
Nothing to build
Switch it on from your Yoco App and it appears at your checkout.
Meet the Providers
Two providers. Switch on one or both.
You choose which providers to offer, and your customer chooses which one to use. Between them, PayFlex and HappyPay reach millions of South African shoppers.
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HappyPay
Fast-growing and social-led. Customers split the purchase over two paydays with no deposit needed, appealing to younger shoppers.
190% average basket uplift vs merchant average*
R1,850 average order value on HappyPay purchases*
*As reported by HappyPay. Individual results vary by store and category.
Payflex
South Africa’s biggest pay-later network. With over 2.2 million existing customers, shoppers can split purchases into 2, 3, or 4 payments.
Up to 30% less cart abandonment when shoppers can split payments*
94% of shoppers say they trust a store more when they see PayFlex*
*As reported by PayFlex. Individual results vary by store and category.
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The Customer Experience
A smooth checkout, start to finish.
Nothing about your checkout changes. The provider simply appears alongside card payment, and the provider handles the rest.
They choose Happy Pay or Payflex
It appears as an option next to card at your checkout.
They sign in and choose a payment plan:
The customer logs into (or creates) their Happy Pay or Payflex account, then selects their preferred instalment option.
They confirm and finish:
The customer lands straight back on your confirmation page. Done.
Apply, get approved, go live
Managed entirely within your Yoco app.
Apply:
In the Yoco App, go to Payment Methods → Online Checkout → Manage Providers. Choose one provider or both.
Get approved:
The provider runs a quick check on your business. We’ll let you know the moment you're live.
Spread the word:
It appears at your checkout automatically. Tell your customers they can now pay over time.
BNPL (Buy Now, Pay Later) lets your online customers split a purchase into interest-free instalments instead of paying the full amount upfront. When you enable it, BNPL appears as an option at your online checkout alongside standard card payments. If a customer chooses it, they pay the first portion immediately and the rest is automatically collected from their card over the following weeks. Your customer pays no interest and no fees.
You receive the full transaction amount (minus fees) through your normal Yoco settlement process - upfront, on your standard schedule. You don't wait for the customer to finish their instalments, and BNPL transactions appear alongside your regular card settlements, so there's no separate reconciliation to manage.
This doesn't affect you. Once a BNPL transaction is completed at your checkout, you're settled regardless of whether the customer completes their remaining payments. The BNPL provider carries the credit risk and handles all collections from the consumer directly — you're never liable for a missed payment.
No. BNPL is added as an extra option at your online checkout — your existing card payment flow stays exactly the same. Customers who don't want to use it simply keep paying by card. There's no change to your card processing fees, settlement schedule, or checkout experience for non-BNPL transactions. You can also toggle BNPL on or off at any time from the Payment methods page in your Yoco App.