Technology
2024-11-28
How Float Uses PayFast to Process Installment Collections
PayFast sits at the center of Float's payment collection stack. Here is how we use it and why we chose it over alternatives.
Read article
Tips
2024-11-14
Managing Multiple Installment Plans Without Over-Committing
Running three or four concurrent installment plans can be manageable — or overwhelming. Float's dashboard helps. Here is what to watch.
Read article
Company
2024-10-30
Float Beta Results: 30 Users, R280,000 Split, Zero Defaults
We ran a six-month beta with 30 Cape Town cardholders. Here is what we learned about how people actually use BNPL for statement splits.
Read article
Guides
2024-10-15
Credit Card Installment Plans in South Africa: A Complete Guide
South African banks offer very limited installment options for credit card balances. This guide covers what exists, what it costs, and what Float does differently.
Read article
Regulation
2024-09-25
BNPL Consumer Protection Regulations: What South African Users Should Know
The National Credit Act, POPIA, and FSCA oversight shape how BNPL products can operate in South Africa. Here is what that means for you as a cardholder.
Read article
Fintech
2024-09-10
WhatsApp and Financial Services in South Africa: 90% Penetration Means Something
Why Float chose WhatsApp as its primary consumer communication channel — and what it means for BNPL products that require regular contact with users.
Read article
Technology
2024-08-22
Open Banking in South Africa: How Stitch and FinFlux Make Float Possible
Float's split-from-statement feature depends on reading card statement data in real time. Here is how South Africa's open banking infrastructure enables that.
Read article
BNPL
2024-08-05
Split-from-Statement vs Checkout BNPL: What Is the Difference?
Most BNPL products require you to choose them at checkout. Float works after the fact. Here is why that distinction matters for consumers.
Read article
Finance
2024-07-18
Revolving Credit Card Interest in South Africa: What It Actually Costs You
At 20-22% annualized, South African revolving credit card interest is among the highest in the emerging market peer group. The math behind a R10,000 purchase carried 12 months.
Read article
Guides
2024-07-01
DebiCheck: South Africa's Authenticated Debit Order System Explained
DebiCheck requires you to confirm each recurring debit mandate before it runs. Here is what that means, how it works, and why Float uses it for every plan.
Read article
BNPL
2024-06-15
How Float BNPL Works with Your Existing Credit Card
Float does not issue new credit. It works with your existing Visa or Mastercard. Here is a step-by-step explanation of how the installment plan actually works.
Read article