TFG Partners with PayJustNow to Offer Flexible Payments in Stores Nationwide
Viable News Team 
South African retail giant The Foschini Group (TFG) has partnered with PayJustNow to introduce buy-now-pay-later (BNPL) payment options across its extensive store network, marking a significant shift in how consumers can shop in-store.
The rollout covers more than 3,500 stores nationwide and includes over 20 of TFG’s brands, spanning fashion, jewellery, sportswear and homeware. The move brings flexible payment solutions directly to physical retail spaces, allowing shoppers to spread the cost of purchases without immediate full payment.
Through the integration, customers can split their purchases into three equal instalments with no interest, a model that has gained popularity globally as consumers look for more manageable ways to budget their spending. For those needing more time, extended repayment plans of up to 12 months are also available, although these options come with added interest charges.
The system is designed to be simple and seamless at the checkout. Instead of traditional credit processes, shoppers use the PayJustNow mobile app to scan a QR code at the till, pay the first instalment immediately, and then settle the remaining payments over time. The subsequent instalments are automatically deducted, often aligned with salary dates, making the process more convenient for working consumers.
Buy-now-pay-later services have seen rapid growth in South Africa and globally, driven by changing consumer behaviour and the rise of fintech innovation. Retailers are increasingly adopting these solutions to boost sales, attract younger shoppers, and reduce barriers to purchase, particularly in a challenging economic environment where disposable income is under pressure.
For TFG, the partnership represents a strategic move to enhance customer experience and remain competitive in a fast-evolving retail landscape. By embedding flexible payment options directly into the in-store experience, the group is aligning itself with global retail trends that prioritise convenience and financial flexibility.
However, financial experts often caution that while BNPL options can be helpful, consumers should remain mindful of their spending habits, especially when opting for longer-term repayment plans that carry interest. Responsible usage remains key to avoiding unnecessary debt.
As the rollout continues, the partnership between TFG and PayJustNow is expected to play a growing role in shaping how South Africans shop, blending traditional retail with modern digital payment solutions.
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