Buy today.
Pay easy.
Scan any PayBeta QR code at your favourite South African stores and split your purchase into easy instalments. No credit card required.
Powered by Appiawave Technology, a product of Finance 7 Seven (Pty) Ltd · NCRCP 20715
PayBeta processes personal information in accordance with the Protection of Personal Information Act (POPIA), Act 4 of 2013. Finance 7 Seven (Pty) Ltd is the responsible party. Contact hello@paybeta.co.za for data queries.
Good afternoon, Thandi
Available limit
R 4,500.00
Outstanding R 350.00
Next payment in 3 days
R 175.00
Uniform Shop — Akasia
1,240 ★
PayBeta Rewards — the more you use it, the more you earn.
Every on-time payment earns you stars. Stars unlock better limits, lower fees, and exclusive merchant offers.
Bronze
Starting tier. Earn 1 star per R10 spent.
Silver
500 stars. Earn 1.5 stars per R10. Priority approvals.
Gold
2,000 stars. Earn 2 stars per R10. Reduced service fee.
Platinum
5,000 stars. Earn 3 stars per R10. Highest limit, lowest fees.
Stars never expire while your account is active.
How PayBeta works
Three simple steps at the till — no contracts to read, no card to swipe.
Scan to pay
Open PayBeta and scan the merchant's QR code at the till.
Choose your plan
Split your purchase in 2, 3 or 4 instalments. Pick a date that suits your salary.
Take it home
Walk out with your purchase the same day. We collect each instalment automatically.
Simple, honest pricing.
One service fee
A small once-off fee is charged at checkout — disclosed upfront before you confirm your plan. No surprises.
Zero interest
PayBeta never charges interest. What you see at checkout is exactly what you pay total.
Late payment fee
Miss a payment? A flat admin fee applies, fully disclosed in your NCA Form 20 at sign-up. That's it.
Full fee schedule available in your NCA pre-agreement statement before you confirm any purchase.
Grow your sales. Get paid the same day.
Sell more.
Get paid the same day.
Accept PayBeta BNPL at your store, school or service. We screen every customer, you get the full sale settled to your bank — PayBeta carries the credit risk.
Same-day settlement
Sales settle to your business bank account daily.
Larger basket sizes
Average ticket grows 30–60% when customers pay in instalments.
Built-in compliance
NCA-aligned, FICA-screened customers. We handle the paperwork.
Zero credit risk
Default risk stays with PayBeta, not your business.
Schools & Parents — January made easier.
More month than money? PayBeta.
PayBeta partners with schools, uniform shops, and stationery suppliers across South Africa. Parents get an approved spending limit before January — buy uniforms, textbooks, and stationery on day one, pay in 3 easy monthly instalments. Zero interest. Schools and suppliers get paid the same day.
Approved in 60 seconds
Apply via WhatsApp or web, no branch visit needed.
Pay over 3 months
January, February, March. Debited on your salary date.
For schools and suppliers
Full payment settled to your account within 24 hours.
Trusted across Gauteng
200+
Families served
8
Partner schools & merchants
R600k+
Disbursed to date
"PayBeta sorted my kids' uniforms in January without me going into debt. The debit order just runs every month — I don't even have to think about it."
— Parent, Pretoria North
"Our school shop gets paid the same day. Parents who couldn't afford to buy in January are now buying in full. Our January sales doubled."
— School Supplier, Akasia
"The application took less than 5 minutes. I was approved before I even got to the till."
— Parent, Centurion
Figures updated as live numbers grow — these are our launch milestones.
Frequently asked
Is PayBeta a credit card?
No. PayBeta is a Buy Now Pay Later plan. There's no card, no annual fee and no revolving balance — just a fixed instalment schedule.
Will I be credit-checked?
Yes. PayBeta is registered with the NCR, so we run a soft affordability check before approving each plan.
What fees do I pay?
There are no hidden fees if you pay on time. Late payments attract a small admin fee disclosed in your NCA Form 20.
How do merchants get paid?
Approved merchants are settled daily into their nominated business account, net of the disclosed merchant discount rate.
What documents do merchants need?
CIPC certificate, director ID, proof of business address and a bank confirmation letter. Tax clearance is optional but speeds things up.
How long does merchant approval take?
Most merchants are approved within 1–2 business days once we have all the required documents.
Let's grow together
Merchants, partners and press — send us a note and we'll respond within one business day.
Prefer WhatsApp? We're available Monday to Friday, 8am–5pm.
- 📧 hello@paybeta.co.za
- Chat on WhatsApp
- 🇿🇦 Centurion, South Africa
- NCRCP 20715 · Finance 7 Seven (Pty) Ltd