How to Buy Now, Pay Later at Ackermans with Payflex and PayJustNow
There are times when you need to shop before payday. Whether it's replacing your child's school shoes, buying warm winter clothing, stocking up on baby essentials, or picking up homeware for your family, paying the full amount upfront isn't always the most convenient option.
That's where Buy Now, Pay Later (BNPL) can help
At Ackermans, shoppers can choose between Payflex and PayJustNow, giving you flexible payment options both online and at selected stores.
What does Buy Now, Pay Later mean?
Buy Now, Pay Later allows you to purchase eligible items today and pay for them in scheduled instalments instead of paying the full amount immediately.
Unlike a standard debit or credit card payment, you don't pay the full purchase price upfront. It's also different from a lay-by, where you usually receive your items only after making the final payment, and different from a store account, which has its own credit terms.
What does "interest-free" mean?
Many Buy Now, Pay Later plans are interest-free when all payments are made on time and in accordance with the agreed payment schedule.
If you miss a payment, late fees may apply depending on the provider's terms and conditions.
Payment dates
Before confirming your purchase, check exactly when each instalment will be collected. Make sure your card has enough available funds on every payment date to avoid missed payments and possible late fees.
Shop responsibly
Buy Now, Pay Later works best for planned purchases that fit within your monthly budget. It should not be used for purchases you cannot realistically afford over the coming weeks or months.
BNPL options available at Ackermans
Ackermans currently offers two Buy Now, Pay Later payment providers: Payflex and PayJustNow.
How Payflex works at Ackermans
Payflex gives shoppers two payment options.
Pay in 4
With Pay in 4, you pay the first instalment immediately when your order is approved. The remaining three instalments are automatically collected every two weeks over six weeks.
For example:
If your basket totals R600, your payments could be:
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Today: R150
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Two weeks later: R150
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Four weeks later: R150
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Six weeks later: R150
The actual payment dates are confirmed by Payflex during checkout.
Pay in 3
If you prefer payments that match your salary cycle, Payflex also offers Pay in 3.
You'll make your first payment at checkout, with the remaining two payments collected on your next scheduled paydays according to the payment plan displayed during checkout.
Important things to know
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No interest or additional charges apply when payments are made on time.
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Late fees may apply if scheduled payments are missed.
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Your order is processed after your first payment has been made and your Payflex application has been approved.
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Payflex is available on Ackermans.co.za and at selected Ackermans stores.
How to sign up for Payflex
Getting started is straightforward.
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Shop on Ackermans.co.za or visit a participating Ackermans store.
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Choose Payflex as your payment method at checkout.
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Register for a Payflex account or sign in if you're already registered.
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Enter the required personal details.
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Complete your first payment.
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Create a secure Payflex password.
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Manage and track your upcoming instalments through your Payflex account.
Who can apply?
To qualify, you'll generally need:
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To be 18 years or older
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A valid South African ID number
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A South African debit or credit card
Approval is subject to Payflex's assessment and terms.
How PayJustNow works at Ackermans
PayJustNow also allows you to spread the cost of your purchase.
Pay in 3
PayJustNow's most popular option splits your purchase into three equal instalments.
You'll pay the first instalment immediately at checkout. The remaining two payments are automatically deducted according to the salary or payment date you've set in your PayJustNow profile.
When payments are on time, Pay in 3 is interest-free and has no hidden fees. However, missed payments may result in late fees.
Pay in 12
PayJustNow also offers Pay in 12, which spreads payments over 12 months.
Unlike Pay in 3, interest applies to Pay in 12. Before choosing this option, make sure you understand the repayment schedule, total repayment amount and any applicable charges.
How to sign up for PayJustNow
Signing up takes only a few steps.
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Download the PayJustNow app or register online.
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Create your PayJustNow profile.
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Verify your personal details.
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Add a valid bank card in your name.
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Confirm your salary or payment date.
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Select PayJustNow during Ackermans checkout or use it at participating stores.
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Review the payment breakdown before confirming your purchase.
Eligibility
Generally, you'll need to:
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Be at least 18 years old.
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Have a valid bank card in your own name.
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Be a permanent or lawful South African resident.
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Be permanently employed or self-employed.
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Not be over-indebted, under debt review or in debt counselling.
Approval remains subject to PayJustNow's assessment.
What can you use Buy Now, Pay Later for at Ackermans?
Depending on product availability and the shopping channel, Buy Now, Pay Later can be used across many Ackermans ranges, including:
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Winter jackets, knitwear and sleepwear
Available products may vary by store, online availability and current Ackermans ranges.
Where can you use Payflex and PayJustNow at Ackermans?
Both Payflex and PayJustNow are available on Ackermans.co.za and at selected Ackermans stores.
Store participation may differ depending on the payment provider and can change over time.
Before visiting a store, you can:
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Use the Ackermans Store Locator to find your nearest store.
What happens if you return an item?
If you return an item purchased using Payflex or PayJustNow, Ackermans will process the return according to its returns policy.
Once the return has been approved, your Buy Now, Pay Later provider will adjust your payment plan or process any applicable refund according to its own policies and procedures.
For the most accurate information, always check both the Ackermans Returns Policy and your chosen payment provider's support information.
Frequently Asked Questions
What is Buy Now, Pay Later at Ackermans?
Buy Now, Pay Later lets eligible shoppers purchase items today and spread the cost over scheduled instalments using Payflex or PayJustNow instead of paying the full amount upfront.
Does Ackermans accept Payflex?
Yes. Payflex is available on Ackermans.co.za and at selected Ackermans stores.
Does Ackermans accept PayJustNow?
Yes. PayJustNow can be used online and at selected Ackermans stores.
Can I use Payflex online and in store at Ackermans?
Yes, Payflex is available online and at participating Ackermans stores.
Can I use PayJustNow online and in store at Ackermans?
Yes, PayJustNow is available online and at selected Ackermans stores.
Do I pay interest with Payflex?
No. Payflex Pay in 3 and Pay in 4 are interest-free when all payments are made on time. Late fees may apply if payments are missed.
Do I pay interest with PayJustNow?
PayJustNow Pay in 3 is interest-free when payments are made on time. Interest applies to PayJustNow Pay in 12.
What happens if I miss a payment?
Your Buy Now, Pay Later provider may charge late fees or take additional action according to its terms and conditions. Always make sure you understand the payment schedule before confirming your purchase.
Do I need to sign up before shopping?
You can register for Payflex during checkout. For PayJustNow, you'll need to create a profile and complete the registration process before using the service.
What do I need to qualify?
Eligibility depends on the provider but generally includes being at least 18 years old, having a valid South African ID or lawful residency, and providing a valid payment card. Approval is subject to each provider's assessment criteria.
Can I return items bought with Payflex or PayJustNow?
Yes. Returns are handled in accordance with Ackermans' returns policy, after which your payment provider will update or refund your payment plan, where applicable.
Where can I find participating Ackermans stores?
You can check participating Payflex and PayJustNow stores or use the Ackermans Store Locator to find your nearest participating location.
