Give customers flexibility. Give staff their earnings early.
Buy Now Pay Later at checkout, earned-wage access for staff, and a lending stack built for the way real South African incomes work — salaried, self-employed, informal and everything in between.
What's inside grow & lend.
Products you can activate on their own, or combine as your business grows.
PayBeta
Buy Now Pay Later that actually approves your customers.
- Underwriting tuned for South African income patterns
- Approves self-employed, informal traders and students
- Available in-store and online
- You get paid upfront, we collect from the customer
PayMaster
Earned wage access for your staff.
- Staff draw down against wages they've already earned
- Zero cost to the employer
- Reduces payday-loan reliance and staff turnover
- Repayment happens automatically at payroll
AppLend
Run a compliant lending book.
- NCR-registered credit provider infrastructure
- Affordability assessments and loan management
- Collections powered by DebiCheck
What changes for your business.
Higher checkout conversion
Customers who couldn't pay in one go complete their purchase instead of abandoning the cart.
Happier, more loyal staff
Earned wage access removes payday-loan cycles and consistently reduces resignations.
Lend inside the rules
AppLend and PayBeta are built on NCR-registered infrastructure — no compliance workarounds.
Not quite the match? Try the two-question guide.
The Find Your Solution tool takes about 20 seconds and recommends a specific product for how your business actually operates.
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.