PayJustNow Buy Now, Pay Later (BNPL): Merchant FAQ
Welcome to the PayJustNow Buy Now, Pay Later (BNPL) FAQ. This guide answers the most common questions merchants have about using PayJustNow BNPL on their Payfast account , from setup and eligibility to refunds, fees and reporting.
Getting Started
What is PayJustNow Buy Now, Pay Later (BNPL)?
PayJustNow BNPL is a flexible payment option that allows your customers to buy now and pay later in interest-free instalments, while you receive the full payment upfront.
It’s one of the many payment methods available through Payfast and is provided in partnership with PayJustNow, a third-party BNPL provider.
Learn more: PayJustNow Buy Now, Pay Later (BNPL)
How do I enable PayJustNow BNPL on my Payfast account?
PayJustNow BNPL requires approval before activation.
To check your status:
1. Log in to your Payfast Dashboard.
2. Navigate to Settings > Payment Methods.
3. Find the PayJustNow Buy Now, Pay Later tile.
Your tile will show one of four statuses : Enabled, Disabled, Pending, or Not Available.
Learn more: How to manage PayJustNow
How long does PayJustNow BNPL approval take?
Approval can take up to 7 working days once your details have been submitted to PayJustNow for review. There is currently no automatic notification, so check your tile again after a few days for updates.
Why is my PayJustNow BNPL tile showing “Not Available”?
This means your store is not currently eligible or has been declined by PayJustNow’s risk assessment. Eligibility depends on factors such as your industry, trading activity and verification status.
Can I request to be re-assessed if I was not approved?
Yes. If you’ve since updated your business details, verified your account, or resumed trading activity, please contact Merchant Support to request a re-assessment.
Transactions and Checkout
Where can my customers use PayJustNow BNPL?
Your customers can use PayJustNow BNPL wherever Payfast payments are accepted, including:
- Website checkout integrations,
- Payment links (Payment Requests), and
- Pay Now Buttons.
Can PayJustNow BNPL be used with Payment Links or Pay Now Buttons?
Yes. PayJustNow BNPL will automatically appear as an available payment method when:
- You generate a Pay Now Button, or
- You send a Payment Request link to a customer.
How do I find PayJustNow BNPL transactions on my Payfast Dashboard?
You can view PayJustNow transactions in two ways:
Option 1: From your dashboard overview, recent PayJustNow BNPL transactions will appear in your transaction summary.
Option 2:
1. Navigate to Online Transactions.
2. Use the filters at the top of the page.
3. Under Payment Type, select Buy Now Pay Later to view all Payflex BNPL transactions.
Each transaction will also show the provider name (PayJustNow) to help differentiate it from other payment methods.
What happens when a buyer pays using PayJustNow BNPL?
1. The buyer selects PayJustNow BNPL on your Payfast payment page.
2. They’re redirected to PayJustNow to log in or sign up and pay their first instalment.
3. Once the payment is approved, the buyer and merchant both receive confirmation.
4. PayJustNow pays Payfast the full purchase amount (minus fees) the next business day.
5. Payfast settles the merchant, as per your normal payout schedule.
Refunds and Adjustments
How do I process a refund for a PayJustNow BNPL transaction?
Refunds are processed the same way as other payment methods:
1. Log in to your Payfast Dashboard.
2. Navigate to Online Transactions.
3. Locate the transaction and click the three dots (⋮).
4. Select “Refund Transaction.”
5. Choose Full Refund or Partial Refund, enter the reason and submit.
PayJustNow processes the refund to the buyer and sends confirmation directly to them.
Learn more: How to process refunds for PayJustNow BNPL
Are there fees for refunds?
- A R3 refund fee will be charged for every full or partial refund processed for PayJustNow BNPL
You’ll need enough wallet balance to cover the refund amount (and refund fee, if applicable).
Can refunds be reversed?
No. Once a refund has been processed, it cannot be reversed.
How long does it take for a buyer to receive a refund?
Once submitted, PayJustNow processes the refund, and the buyer receives the amount back into their PayJustNow wallet account or linked payment method. The timing depends on the buyer’s bank and PayJustNow’s processing time.
Can I issue multiple partial refunds for one transaction?
Yes. You can issue multiple partial refunds up to the total value of the original transaction. You will be charged a R3 fee for every partial refund processed.
Fees and Reporting
Where can I find my PayJustNow BNPL fees?
You can view your PayJustNow BNPL fees in your Payfast Dashboard:
1. Navigate to Reporting > Fees.
2. Look for two lines under PayJustNow BNPL Fees:
a. Transaction Fees – The standard per-transaction selling rate.
b. Refund Fees – R3 refund charges for a full or partial refund processed.
You’ll also see:
• Quantity: Number of transactions per fee type.
• Amount: Total cost for that fee type.
When and how am I settled for PayJustNow BNPL transactions?
PayJustNow settles Payfast, and Payfast then settles you as per your usual payout process. Payout amounts are net of transaction fees, refund fees and VAT.
Eligibility and Configuration
How can I increase my chances of approval for PayJustNow BNPL?
To ensure a smooth approval process:
- Verify your merchant account and upload all required documents.
- Keep your business information (trading name, contact details, and URL) up to date.
- Maintain active trading activity.
- Ensure your website or store URL is live and functional.
Can I edit my PayJustNow BNPL settings?
Yes. When your tile is Enabled, click Edit to:
- Adjust your minimum and maximum transaction values (within PayJustNow’s limits).
- Upload your store logo.
- Add your website URL for PayJustNow’s merchant directory listing.
What do minimum and maximum transaction values do?
These determine when the PayJustNow payment option appears at checkout:
- If a basket is below your minimum → PayJustNow BNPL will not appear as a checkout option on the payment page or appears but is disabled.
- If a basket is above your maximum → PayJustNow BNPL will not appear as a checkout option on the payment page or appears but is disabled.
- If a basket is within range → PayJustNow BNPL is available to select on the payment page.
Marketing and Widgets
How can I let customers know I offer PayJustNow BNPL?
You can display PayJustNow widgets and marketing banners on your website or product pages.
To access them:
- Navigate to your PayJustNow tile.
- Click “Get Widgets.
- You’ll be redirected to the PayJustNow Widget Page, where you can copy embed code or download marketing materials.
Promoting BNPL early in the purchase journey helps increase conversion and basket size.
Support
Who should I contact if I need help with PayJustNow BNPL?
For merchant support, please contact Payfast Merchant Support via our website or email support@payfast.help.
Who handles buyer communication and queries?
- Buyers: For PayJustNow-specific queries, buyers are assisted directly by PayJustNow.
- Merchants: Handle refund or product-related queries as per your usual process.
PayJustNow manages all buyer-side communication for payments, refunds, and account matters.
What if a buyer fails to pay their instalments?
PayJustNow takes on all buyer risk and collections. As a merchant, you are not affected and will not be debited if a buyer fails to complete their instalments.
Other Questions
Can I disable PayJustNow BNPL later if I choose to?
Yes. You can toggle PayJustNow BNPL off at any time from your Payfast Dashboard under Settings > Payment Methods.
Will enabling PayJustNow BNPL affect my other payment methods?
No. BNPL simply adds another flexible payment option for your customers. All other payment methods remain unchanged.
PayJustNow BNPL gives your customers the freedom to buy now and pay later - and gives you the benefit of getting paid upfront. It’s flexible, trusted and built to help you grow.