If you are a frequent online shopper, you will have noticed that the list of payment methods keeps growing: EFTs, credit cards, cash on delivery, eBucks … and now newcomers such as Payfast’s Payflex and PayJustNow.
Conveniently, this site backs its BNPL options by providing the instalments breakdown under the price of every item on its website. Payflex’s website notes that:"There’s only one time you would ever pay more [than the normal price] …and that’s if you miss a scheduled payment. Then, sadly, we’ll have to charge a R75 default fee to cover our costs and a further R75.00 for every week the instalment is outstanding for a maximum of three charges. So, to avoid the drama, just make sure you have money in your account in advance of your scheduled instalment. We’ll email you in advance every time as a reminder.
It also highlights"habitual" usage, which can leave consumers out of pocket when it comes to paying other debts and financial obligations and notes that regulation of this payment option is under review
_Business digital herding
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