What is ZeroPay?

Shop now and pay for your shopping later in 3 x Zero fees, Zero interest payments with ZeroPay!

How it works:

Apply for ZeroPay by following the quick and easy steps.

Approval takes about 1 minute. No documents are required. Pay your 1st payment. Get your order right away.

Complete the simple online application during checkout or on the ZeroPay website:

Payments work as follows:

  • 1st payment: Immediately.
  • 2nd payment: End of the month.
  • 3rd payment: End of the next month.

If you spend after the 15th of the month, the 2nd instalment will be scheduled at the end of the next month to give you some extra time to pay!

For more information, contact 087 2100 336 or

Frequently Asked Questions:

Visit for all the answers you need. Here are a few to help you get started.

1. How do I apply?

Complete the simple online application during checkout or on the ZeroPay website:

  1. What are the qualifying criteria?

You need to be between the ages of 18 and 65, have a valid SA ID number and be a responsible credit user (we check your credit record).

  1. How long does the application process take?

If you qualify, your approval is instant as soon as the application has been completed! We recommend that you do the application before you go shopping, just to ensure you’re ready to go.

  1. What is my spend limit?

You will be approved for a spend limit based on your credit profile and you will be able to spend once if you’re a first timer. This spend limit is customised to each shopper and is based on a few factors, including your payment behaviour.

  1. How is the monthly instalment calculated?

The amount you spend is simply split in 3, no extra fees, and the 1st payment is required immediately. Thereafter, the last two payments will be taken at the end of the following two months.  If you spend below your spend limit, you will pay 3 x equal payments.
If you spend above your spend limit, your approved spend limit is split in 3 x payments and the excess amount is paid with the 1st instalment.

  1. Are payments really interest free?

Yes – it’s in our name! You will pay Zero fees and Zero interest (if you pay on time).

  1. How do I shop?

Online, simply select ZeroPay at checkout.

  1. How do I pay for my account?

You will load your chosen card details onto your ZeroPay account – Debit, Cheque or Credit card (all Visa and Mastercard’s accepted).

  1. What happens if I cancel my shopping order?

Once your order has been cancelled, the merchant will request for the amount to be refunded on ZeroPay after which ZeroPay will refund you directly into your back account. Don’t stress, this can take some time, but we will work to get it back to you soonest!