This page is for business owners who want to offer Payflex as a payment option to their customers.
If you're trying to make a purchase using Payflex, please visit Payflex's website directly.

Offer Payflex to Your Customers – A Buy Now, Pay Later Solution for Businesses

WHAT IS PAYFLEX?

Payflex is a Buy Now, Pay Later (BNPL) solution that allows merchants to offer flexible payment options while receiving full payment upfront, risk-free. Your customers have the option to pay now in full, Pay in 4, Pay in 3 or Pay in 2 interest-free payments, while you will receive the full amount upfront into your Netcash account.

BENEFITS OF PAYFLEX

Sell on credit, risk-free

Get paid in full, into your Netcash account

Increase conversions and customer spending by offering flexible, interest-free instalment options.

Want to know more?

Speak to our payments advisors or apply for your Netcash account today.

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How does Payflex work with Netcash?

Step 1

From the Payment Gateway, customers select Payflex as their payment method at checkout.

Step 2

Customers login with their Payflex account details, select the payment plan they want and checkout.

Step 3

Customer places their order and makes their first payment. You receive the full purchase amount into your Netcash account.

Why Offer Payflex to Your Customers?

Increases average order value (AOV) by up to 30%.

Boosts conversion rates and reduces abandoned carts.

Attracts new customers looking for BNPL options.

Activate Payflex on your Netcash account for your customers

Chat to us about your payment needs or apply for your Netcash account now.

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How to activate Payflex on your Netcash Payment Gateway

An active Netcash account

Activate the Netcash Payment Gateway service

Activate Payflex in your Netcash account to offer it to your customers as a payment option.

Get the full marketing toolkit, including banners, checkout messaging, and branded assets, to promote Payflex and boost conversions.

FAQs

What do customers need to qualify for Payflex?

To use Payflex, customers must have a valid South African ID, an active debit or credit card from a South African bank, a working cellphone number, and an email address. They must also be 18 years or older. Payflex uses this information to verify eligibility instantly before approving the purchase.

Are there any fees when using Payflex?

For customers, Payflex is completely interest-free — no fees apply unless they default on payments, in which case a penalty fee may be charged by Payflex. Merchants, however, pay a small fixed transaction fee to Netcash per successful Payflex transaction.

How do customers make payments through Payflex?

Customers can either pay in full upfront or split the total into instalments — “Pay in 4” over six weeks or “Pay in 3” over three paydays. The first payment is made at checkout. While customers pay over time, your business receives the full purchase value upfront into your Netcash account, completely risk-free.

How do I register for Payflex as a business?

You can register directly through your Netcash account. Log in, go to Account Profile → NetConnector → Pay Now, then select Register next to the Payflex option. Once activated, you can start offering Payflex at checkout immediately, both online and in-store.

When will I receive payment from Payflex transactions?

Merchants receive the full value of each purchase upfront into their Netcash account as soon as the customer completes checkout. This eliminates cash-flow delays and removes the risk of payment default — Payflex handles customer collections directly.

Can Payflex be used in-store as well as online?

Yes. Payflex works for both online and physical retail environments. Customers can select Payflex at your eCommerce checkout or scan a QR code in-store to pay in instalments. This flexibility helps businesses boost conversions across multiple sales channels.

How does Payflex work with Netcash?

Payflex is integrated into the Netcash Payment Gateway, meaning you can activate it instantly without additional setup. When a customer checks out using Payflex, they make their first payment immediately, and Netcash settles the full amount to you while Payflex manages the remaining instalments directly with the customer.

Is Payflex safe for businesses and customers?

Yes. Payflex is fully regulated and uses bank-grade encryption and verification to protect all parties. Customers authenticate payments securely through their card issuer, while Netcash’s PCI DSS Level 1-compliant environment ensures every transaction is processed safely and transparently.

Let us contact you

Complete your details below and a Payment Advisor will contact you to discuss your payment needs.