Payflex is the leading South African BNPL operator, offering interest-free payments over a six-week term (the classic four-payment split familiar from Klarna and Afterpay). Payflex is particularly strong in South African fashion and electronics retail, both online and offline, and has strengthened partnerships with major e-commerce and physical retailers through 2024 and 2025. In 2024, Payflex introduced BNPL products aimed at small businesses to improve their access to flexible payment solutions. Payflex is one of the four operators identified in the Q1 2026 Africa BNPL Databook as central market players.