“
I bought my daughter's school shoes and a winter jacket without touching my savings. Four payments, no stress. FloatPay is a game changer for everyday shopping.
Built for South Africa
Shop Now.
Shop Now.
Pay in 4.
Split any purchase into 4 equal payments. No interest. No hard credit check. Accepted at 200+ shops across South Africa.
Accepted at 200+ shops
Simple as 1-2-3
How FloatPay Works
Shop at your favourite stores, select FloatPay at checkout, and split your bill into 4 easy payments.
1
Shop
Browse 200+ partner shops online or in-store. Add your items to cart as normal.
2
Split
Choose FloatPay at checkout. Pay 25% today — we split the rest into 3 equal instalments.
3
Done
Get your items immediately. Remaining payments debit automatically every 30 days. No interest ever.
For everyone
Two audiences. One platform.
FloatPay works for shoppers who want to spread costs responsibly and merchants who want to grow their sales.
For Shoppers
Afford what you love — on your terms.
- Zero interest — ever. Not on any instalment.
- No hard credit check for purchases under R5,000.
- Instant approval at checkout. No waiting.
- Works at 200+ shops across South Africa.
For Merchants
Turn browsers into buyers.
- +35% average basket size from day one.
- Settled upfront — you never wait for instalments.
- Zero chargeback risk. FloatPay absorbs all consumer risk.
- Integrate in under 30 minutes — Shopify, WooCommerce, API.
Merchant results
Real numbers. Real growth.
South African merchants using FloatPay see meaningful improvements from their first month.
+35%
Average Order Value
Customers spend more when they can split the bill. Bigger baskets, more categories, higher AOV.
2×
Repeat Purchase Rate
FloatPay shoppers come back more often. BNPL creates loyalty, not just transactions.
<24h
Settlement Time
You receive the full purchase amount within one business day. No waiting for instalments to clear.
See it in action
A checkout experience shoppers love.
FloatPay drops into your existing checkout without a rip-and-replace. Shoppers see a familiar, trusted payment option — no redirects, no clunky flows.
- Fully responsive — works on mobile, tablet, and desktop.
- Approval decision in under 10 seconds.
- Rand-denominated throughout — no currency confusion.
Real stories
What South Africans are saying
“
The fact that there's zero interest makes it feel completely different from a credit card. I know exactly what I owe and when. It's responsible budgeting, not debt.
“
I finally replaced my old laptop without waiting 3 months to save up. FloatPay split it into four easy payments and I was set up for work the same day.
Merchants using FloatPay
“
We added FloatPay to our WooCommerce store in an afternoon. Our average order value jumped 40% in the first month. The settlement is the next business day — better than our card processor.
“
Customers ask about FloatPay before they even see the price tag now. It's become a selling point for us — people know they can split the cost without any catch.
Ready to float it?
Join thousands of South African shoppers and 200+ merchants who are already using FloatPay to shop smarter and sell more.