Happy Pay

We want you to get the things you want but not at the expense of your credit record or financial health! A few factors determine your spending limit. Essentially, it comes down to your payment behaviour and financial health. With time, good payment behaviour on our platform equals higher spending limits for you. If you have our back, we’ve got yours!

If your application wasn’t accepted, it could be because you have a poor credit history or no history at all. After all, we are giving you access to a free-spending plan, so our system will need to assess several factors to work out your spending limit. Unfortunately, if you don’t meet them, you will be declined. It’s not that we’re being mean, just responsible. We have your best interests at heart, and we need to make sure our customers can pay on time.

Upon sign-up, you’ll be able to make one transaction. Over time, as our relationship blossoms, you’ll be able to run as many transactions as your available spend allows. i.e. multiple purchases.

We don’t charge a deposit. Your order will be processed immediately on a successful order.  Your first instalment (50% of total amount) is due on your first payday following your purchase, and the remaining 50% is due on your subsequent payday post-purchase.

Thanks for being so awesome! Log into your account here and click the ‘Pay Now’ button next to the transaction you want to settle.

You will be notified as soon as a payment fails and after 24 hours you will be charged a late fee. You’ll receive a notification via call, email, SMS, or WhatsApp, along with a link to settle the payment yourself before proceeding to the next steps.
To give you a fair chance, the failed payment will attempt again in 7 days. If, unfortunately, the payment fails again, we’ll repeat the process up to 3 times, ensuring we support you in fulfilling your payment obligations.
In the event that the late fee payment also fails, we’ll charge the transaction amount, late fee, and any applicable interest charges together, 7 days after the first payment failed.
At Happy Pay, we believe in transparency and fairness. Our goal is to assist you in successfully managing your payments and ensuring a smooth shopping experience.

A R100 late fee will be added to your Happy Pay account for failing to settle an instalment on time. Please note that this late fee will be charged every week for a total of three weeks if the payment remains outstanding. Therefore, if you miss the payment deadline, an R100 late fee will be added in the first week, another R100 in the second week, and a final R100 in the third week. This means a total of R300 can be charged for each instalment that is not paid on time. It is important to settle your payments promptly to avoid incurring additional late fees and to keep your account in good standing.