PayJustNow expands in-store flexibility across TFG’s nationwide retail footprint
As South African households continue to navigate rising costs and tighter cash flow, many are becoming more intentional about how and when they spend. Payment flexibility is no longer just about convenience. It is increasingly about giving customers greater control and more choice at the point of purchase. Against this backdrop, PayJustNow has partnered with TFG (The Foschini Group), enabling customers to split purchases into three interest-free instalments at the till, with extended terms of up to twelve months available as an interest-bearing option where applicable.
The rollout spans more than 20 TFG brands and over 3,500 stores nationwide, giving customers access to flexible payment options across some of South Africa’s most loved retail brands, from fashion and luxury jewellery to home essentials.
“Consumers are under real pressure,” says Dean Hyde, Chief Operating Officer at PayJustNow. “We are seeing people become far more deliberate about where and how they spend. Flexible instalments are not about spending more. Instead, they are about aligning payments with income cycles so that essential and planned purchases remain manageable.”
TFG’s portfolio includes some of South Africa’s most recognisable retail brands, including Foschini, Markham, Fabiani, JD Sports, American Swiss, Sterns, Sportscene, Total Sports, Jet, G-Star Raw, Exact, The Fix, Hi, and @home. By integrating PayJustNow at the till, customers can access structured, interest-free instalments at the point of purchase, expanding the range of payment choices available across TFG’s brands.
According to Hyde, the move reflects a broader shift in how Buy Now Pay Later (BNPL) is being used locally.
“There is a misconception that BNPL is impulsive. However, it is increasingly being used as a budgeting tool. When instalments are fixed, transparent, and time-bound, customers know exactly what they owe and when it will be settled. That certainty matters in a constrained economy.”
PayJustNow reports that more than 3.5 million consumers have signed up to the platform to date, with over 100,000 new users joining each month. The company operates across more than 12,000 retail points of presence nationwide, with an additional 3,500+ added through its partnership with TFG.
Hyde believes that the in-store expansion marks a continued maturation of the local payment ecosystem.
“This is about bringing flexible, transparent payment infrastructure into mainstream retail environments. When customers can spread costs at the till without incurring interest and without open-ended balances, they are better equipped to navigate challenging months without sacrificing stability.”
As payment behaviour continues to evolve, the focus remains on access, discipline, and responsible use. These principles will likely define the future of retail payments in South Africa.
