Buy Now, Pay later, Choose Happy

Hero Image

Shop Now,
Pay Later.

Split your purchase over two paycheques.
No deposit, no interest.

Pay Your Way

Get your favourite items now and pay for them over your next two paycheques.

2 Months Free

Split your purchase over 2 paycheques, interest-free, and with no deposit required.

Quick Approvals

Our AI approval engine is the fastest in the market. You’ll be approved in no time!


Buy Now,
Pay Later.

Happy Pay lets you shop at your favourite online stores. But, instead of paying upfront, you split the cost of the items over your next two paycheques.

What We Believe In


What you see is what you get, no hidden nasties.

Win Win

We’re building a payments model that supports both shoppers and merchants.

Happy World

Sustainability at Happy Pay isn’t window dressing, it’s built into who we are and what we do.


To Help The Planet.

We offer shoppers the ability to split their payments equally over two paycheques, interest-free and with zero deposits required.
We help merchants dramatically increase their average basket size and customer conversion metrics.
We will help the planet by donating 1% of our fees to Spekboom planting initiatives. We aim to be planting 20000+ Spekboom every year from 2023.

Our Team


Happy World

Happy Pay is committed to being a force for positive change within the payments industry by making sustainability a core value and a part of our business model. We'll ensure that 1% of our fees go towards Spekboom planting in South Africa - there's more to come, watch this space!