Buy Now, Pay later, Choose Happy

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Give your customers what they want and let them pay at their speed, interest-free, with no deposit!

2 Months Free

Create a happy end to your customers' shopping experience with a payment journey that suits them.

Pay Your Way

Increase customer satisfaction and conversion rates by giving your customers an interest-free, no deposit, buy now pay later payments option.

Approve More

Our AI superpowers mean we approve more customers than anyone else, ensuring you sell more.


Grow Your Business

Attract new customers.
Increase basket sizes.
Convert more customers.

Payment and marketing solutions that hit your happy spot.


Happy Pay Has

World-famous changemakers have invested in helping our merchants grow. With organic reach to over 16 million people, we can help your store reach new heights.

30 Seconds

The time it takes for us to approve a customer’s credit.

16 Mil

South Africans have seen Happy Pay.


We’ve increased merchant baskets by an average of 190%.


How It Works

Sign Up

Signing up has never been this easy! Let one of our Happy agents help you through the process from start to finish.

Minimise your risk

We take on the risk. You get paid.

Enjoy seamless transactions

We pay you upfront and weekly.

Let’s integrate and get selling

Integration with Happy Pay is simple - our team is here to help!

Simple Integration

We’ve built an integration with all the leading eCommerce platforms, making getting started quick and easy. Built your store? Our customisable API allows for easy integration.
Simply add the Happy Pay payment gateway to your website and give your customers an alternative to credit, debit, and EFT.
Let them buy now and pay later. We will take on the risk. All this for a modest fee.

Industry Leading

We built our dashboard with you in mind. Use it to efficiently track all your Happy Pay payments and purchase data in one place.

Let’s plant

1% of Happy Pay turnover goes towards planting Spekboom across South Africa with our awesome partners Respek Nature.