PayJustNow Expanded Retail and Healthcare Services
The payment platform has increased its presence in medical and retail sectors amid rising living costs in South Africa.
Updated on Oct. 14, 2026 in Shopping — General
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PayJustNow has expanded its buy now, pay later services into the healthcare, retail, and online shopping sectors across South Africa. The company recorded its highest-ever transaction value in July 2026 as consumers increasingly turn to flexible payment options.
Why it matters
Consumers are utilising these payment plans to better manage household expenses and monthly cash flow in response to the rising cost of living. This trend is expected to influence spending habits significantly during the upcoming year-end shopping season.
PayJustNow serves 4.5 million customers who use the platform an average of 5.08 times annually. The service reports a payment completion rate of over 98% of its total transaction value.
The players
PayJustNow
A South African fintech company that provides buy now, pay later payment services to consumers and retailers.
Ackermans
A major South African clothing retailer that now offers PayJustNow services at stores nationwide.
OneDayOnly
A popular South African online retail platform that recently partnered with PayJustNow.
Netcare Medicross
A healthcare provider that has integrated PayJustNow for its general practitioner and dental services.
The details
The platform integrates directly with physical stores and online retailers to allow customers to spread costs across scheduled payments. Recent expansions include a partnership with OneDayOnly, integration into Netcare Medicross for medical services, and a national rollout at Ackermans.
Timeline
December 2025: Ackermans launched a pilot program for PayJustNow.
July 2026: PayJustNow recorded its highest-ever transaction value.
August 2026: The annual inflation rate in South Africa reached 4.4%.
October 2026: PayJustNow launched a partnership with OneDayOnly.
Culture Shift
The expansion reflects the rise of buy now, pay later services in the South African retail market as standard payment habits shift. This move signals a broader transition toward using credit-style flexibility for essential services like healthcare.
Shoppers can now split payments for essential medical visits and online goods, potentially easing immediate pressure on monthly budgets. Users should remain mindful of the 7.25% repo rate and high fuel costs when committing to future payment schedules.
The takeaway
Consumers using flexible payment platforms should track their total obligations carefully to avoid overextension. Budgeting for recurring payments remains essential when managing household finances amid inflationary pressures.
Further reading
Learn more about local retail trends in South Africa Shopping — General.
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Do you feel that using buy now, pay later services is a responsible way to manage spending?
