About Happy Pay

Happy Pay is an ad-subsidised payments network that gives South Africans access to zero-cost credit at checkout. Our model is powered by a blend of merchant fees and a performance advertising platform that connects high-intent shoppers with relevant brands.

We exist to save consumers millions in interest and fees, while helping merchants boost conversion, increase average order value, and drive repeat sales. At the core of what we do is a commitment to responsible credit, fair customer outcomes, and building systems that scale sustainably.

Customer support is where our promise to consumers is kept. We are a customer-centric business, and every interaction is a chance to give someone the best possible experience and to treat them with dignity and respect. We already hold the highest-rated Google review of any buy-now-pay-later provider in South Africa, and we protect that standard fiercely — turning frustrated customers into loya...