Why Your Payflex Buy Now Pay Later (BNPL) Tile Shows “Not Available”

If you log in to your Payfast Merchant Dashboard and see the Payflex Buy Now Pay Later (BNPL) tile marked as “Not Available”, it means your store is currently not eligible for Payflex BNPL.

On your dashboard, you’ll see this message:

This article explains why your store may not be eligible, what you can do to change that, and when eligibility is fully determined by Payflex.

1. Why You Might Not Be Eligible

There are two main categories of reasons:

A. Payflex Eligibility Rules (Non-Changeable)

In some cases, eligibility depends on Payflex’s internal risk policies and the industries they support.

If any of the following apply, Payflex BNPL cannot be enabled for your store:

·       ❌ Your store operates in a restricted industry that Payflex does not support (e.g., gambling, dropshipping, lotteries, credit services, collection agencies, or adult digital content).

·       ❌ Your store is a Non-profit organisation (Cause) account (Payflex BNPL is not available to course-based merchants).

·       ❌ Your store was assessed by Payflex’s risk process and not approved due to internal risk criteria.

·       ❌ Your Merchant Category Code (MCC) is outside of Payflex’s approved list.

 

If your store falls under any of these categories, unfortunately, BNPL cannot be enabled at this time.

B. Missing or Incomplete Information (Fixable Issues)

In some cases, you may not yet be eligible because we don’t have enough information to submit your profile to Payflex for review.

If any of the following apply, you can fix them to help us reassess your eligibility:

Issue	Action Required
Account not verified	Go to your Merchant Dashboard and upload the required verification documents (e.g., proof of business, ID). Once verified, your account can be submitted to Payflex.
No recent trading activity	If you haven’t processed transactions in over a year, start trading again and then contact our Merchant Support team to be reassessed for eligibility.
Missing or inactive website URL	Ensure your website link is active and live. Payflex does not support merchants using only Instagram, TikTok, or Facebook links as their storefront.
Missing trading name or contact details	Update your business name, contact information, and URL in your Merchant Dashboard under “Display Settings.”
Account temporarily disabled	If your Payfast account is disabled, contact our Merchant Support team to help you reactivate it.

 

Once all the required details are in place, we’ll automatically reattempt to submit your profile to Payflex for assessment.

2. Payflex’s Final Decision

Even if you meet all Payfast submission requirements, Payflex has the final say on whether your store is approved or not.

Their decision is based on their risk assessment process, industry criteria, and merchant performance history.

If Payflex rejects your application, your tile will remain in the “Not Available” state. Unfortunately, Payfast cannot override Payflex’s decision.

3. What You Can Do Next

·      Check your merchant details: Ensure all business and website information is complete and accurate.

·      Review your verification status: Unverified merchants cannot be submitted for BNPL assessment.

·      Contact Merchant Support: If you’re unsure why your tile says, “Not Available,” contact our Support Team. They can confirm your eligibility status and advise if there’s anything you can do to change it.

4. Future Improvements

We’re working to improve the Payflex BNPL tile to show personalized eligibility messages- including the exact reason your store isn’t currently eligible.
For now, if you’d like to know your specific eligibility reason, please reach out to our Merchant Support Team.

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