PayBeta
Buy Now Pay Later that actually approves South African customers — from salaried buyers to informal traders and students.
Built for the businesses that actually need this.
Everything PayBeta does out of the box.
Underwriting tuned for SA
Models built on South African income patterns — not imported from Europe or the US.
Approves the underserved
Self-employed, informal traders and students get realistic approval rates.
You get paid upfront
PayBeta pays the merchant in full. We collect from the customer.
In-store and online
Terminal integration for retail, checkout SDK and payment link options for online.
Compliant infrastructure
Built on NCR-registered credit provider infrastructure — no compliance workarounds.
Estimate Your PayBeta Payouts
These figures are estimates. Final PayBeta fees depend on your industry, average basket size, and agreement terms.
Estimate Your Monthly Payout
See a Single Sale Example
Illustrative example only — the customer's actual repayment frequency and number of instalments depend on their income type (salaried, self-employed, daily trader, grant recipient, or student) and PayBeta's assessment. You are paid upfront regardless of the customer's repayment schedule.
Four steps from first call to live.
Integrate
Terminal switch or checkout SDK — live in weeks.
Customer applies
In-cart or in-store, decisioned in seconds.
You get paid
Merchant settlement upfront, minus a small fee.
We collect
Instalment schedule managed by us, powered by DebiCheck.
About PayBeta.
- How is the merchant paid?
- Upfront on completion of the transaction, net of the merchant discount rate. You carry no customer credit risk.
- What approval rates should we expect?
- Depends on your customer mix — we share benchmarks by segment on the first call. Generally higher than international BNPL competitors in SA.
- Is PayBeta regulated?
- Yes — operates under NCR-registered credit infrastructure with full affordability assessments.
Ready to see PayBeta for your business?
Talk to our team for a scoped quote — no obligation, no lock-in.
Ready to sort out your business payments?
Tell us a bit about your business and we'll get back to you within one working day.