Banking & Finance · Contact details
PayJustNow Contact Details
PayJustNow’s support email is support@payjustnow.com, and the only phone number on a PayJustNow page is 021 300 2152, shown without a label in the footer of its Help Centre (community.payjustnow.com). The main payjustnow.com support page lists telephone support hours of Monday to Friday, 10:00 to 17:00, but shows no number, and there is no WhatsApp number. It routes customers to web chat and an email form, open Monday to Friday 07:30 to 17:00, with web chat on Saturdays 08:30 to 17:00 and Sundays 10:30 to 17:00. Suspected fraud goes to fraudalert@payjustnow.com. To log in, use app.payjustnow.com/login. Its office is on the 3rd Floor, Sunclare Building, 21 Dreyer Street, Claremont, 7708. Details below were read from payjustnow.com, its terms and privacy policy, and its knowledge base on 14 September 2026, and rechecked on 25 September 2026.
Official contact details
| What you need | Contact | Hours |
|---|---|---|
| Log in to your account | app.payjustnow.com/login | Any time |
| Forgotten password | payjustnow.com/forgot-password | Any time |
| Sign up | app.payjustnow.com/register/overview | Any time |
| Stores that accept PayJustNow | app.payjustnow.com/stores | Any time |
| Web chat and email form | payjustnow.com/support | Mon to Fri 07:30 to 17:00; web chat Sat 08:30 to 17:00, Sun 10:30 to 17:00 |
| Telephone support | 021 300 2152 (shown unlabelled in the Help Centre footer; payjustnow.com shows no number) | Mon to Fri 10:00 to 17:00 |
| Support email | support@payjustnow.com | |
| Suspected fraud or compromised account | fraudalert@payjustnow.com | |
| Personal information and privacy requests | dataprotection@payjustnow.com | |
| Knowledge base | community.payjustnow.com | Any time |
| Office address | 3rd Floor, Sunclare Building, 21 Dreyer St, Claremont, 7708 |
PayJustNow warns that responses may be delayed on weekends and public holidays because of high volumes. Businesses and merchants have a separate Business Support page on payjustnow.com.
PayJustNow login and password reset
The “Log In” link on payjustnow.com opens app.payjustnow.com/login. If you have forgotten your password, go to payjustnow.com/forgot-password and enter your email address, then open the latest “Reset your Password” email and tap the button; do not reply to that email. A new password needs at least 8 characters, 1 capital letter, 1 lower-case letter and 1 number or special character. You can also use the PayJustNow app, but a PayJustNow profile must be created before the app can be activated.
How to register for PayJustNow: requirements and steps
To sign up you need a valid South African ID, a Visa or MasterCard debit or credit card, a valid email address and mobile number, and you must be 18 or older and a South African resident. Choose Sign Up (app.payjustnow.com/register/overview), enter your ID number and mobile number and create a password, enter the 4-digit SMS OTP, create a login with your email and password, confirm the email link, then enter your personal details to receive a spend limit. The pay date you enter at sign-up becomes your instalment date, and approval normally comes back within minutes.
How to increase your PayJustNow limit
PayJustNow does not publish a limit increase request form. Your spend limit is set from your profile at sign-up and may increase over time: PayJustNow says a good repayment track record improves the limit and early payments may boost it. Increases and extra open orders (the “Concurrency Badge”) are decided by an algorithm using payment history, purchase patterns and on-time instalments, with no forms or paperwork. New shoppers get one open transaction; after the second transaction and at least one instalment collected on time the badge may be upgraded, and missed payments reset it to one open order.
No spend limit usually means your identity could not be verified against Home Affairs records or the credit risk was too high. Sharing a bank card or cellphone number with another PayJustNow customer can also affect eligibility. To ask for your application to be reviewed again, email support@payjustnow.com or start a live chat in the app.
PayJustNow stores and paying in store
The list of retailers that accept PayJustNow is at app.payjustnow.com/stores and is updated regularly as new merchants come on board. In store, you pay with Scan to Pay in the PayJustNow app only (not the browser); stores that accept it are labelled “In-store” in the store directory.
PayJustNow WhatsApp and phone number
PayJustNow’s support page, FAQs and knowledge base do not list a WhatsApp number for shoppers. The payjustnow.com support page gives telephone hours but does not display a phone number; the only number on a PayJustNow page is 021 300 2152, shown unlabelled in the footer of its Help Centre. The main published routes are web chat, the email form (payjustnow-help.freshdesk.com/support/tickets/new), support@payjustnow.com and the app. PayJustNow’s fraud guide says it will never ask you to update personal details by SMS, never ask for your OTP or PIN, and never send an SMS link asking you to sign in, so be wary of WhatsApp numbers or messages claiming to be PayJustNow. PJN Mobile, PayJustNow’s mobile network, has its own customer care line (135 free from a PJN Mobile SIM, or 084 13734 from other networks) and pjnmobile@payjustnow.com, but that is for SIM and airtime queries, not Pay in 3 accounts.
How do I close or delete my PayJustNow account?
PayJustNow’s website does not describe a self-service button for closing an account, so contact support through web chat or support@payjustnow.com and ask for the account to be closed. PayJustNow’s terms say that when the agreement ends you must pay all amounts outstanding on any payment plan, PayJustNow deletes your account, and once you have paid everything due it stops using your payment information, while keeping your personal information for a reasonable period as the law requires. Any funds in your PayJustNow Wallet are only credited back to your card when your account is closed and everything owed has been settled. To ask PayJustNow to delete personal information it holds, its privacy policy gives dataprotection@payjustnow.com.
PayJustNow complaints
Start with web chat or the email form on the support page, or email support@payjustnow.com with your ID number, order details and a description of the problem. Privacy complaints and suspected breaches of personal information go to dataprotection@payjustnow.com; if a privacy complaint is not resolved, the Information Regulator handles complaints about the use of personal information. If you cannot meet a repayment, PayJustNow’s FAQ asks you to contact support@payjustnow.com. Its terms say that if a default is not resolved, PayJustNow may propose referring the credit agreement to a debt counsellor, an alternative dispute resolution agent, a consumer court or an ombud.
Payments, late charges and fraud
- How it works: PayJustNow splits a purchase into three equal, interest-free instalments; the first is paid at checkout and the others are debited from your default bank card around your payday.
- Manual payments: log in, go to Orders, choose the order, select “Pay Now” and authorise with your 4-digit PIN; you can also “Pay Remaining” to settle early.
- Missed payments: PayJustNow sends an SMS reminder a day before each instalment and allows a 24-hour grace period; after that it levies a weekly default charge, capped at 25% of the transaction.
- Compromised account: open the app directly (not from an SMS link), reset your password and email fraudalert@payjustnow.com.
To use PayJustNow, you must be 18 or older, live in South Africa, have a valid bank card in your name, be employed or self-employed, and not be over-indebted or under debt review or administration.
Frequently asked questions
How do I log in to my PayJustNow account?
Go to app.payjustnow.com/login, or use the PayJustNow app. If you forgot your password, reset it at payjustnow.com/forgot-password.
What is the PayJustNow contact number?
payjustnow.com shows no phone number, although it lists telephone hours of Monday to Friday, 10:00 to 17:00. Its Help Centre footer shows 021 300 2152 without a label. Web chat and support@payjustnow.com are the main published routes.
How do I increase my PayJustNow limit?
There is no request form. Limits are reviewed automatically and improve with a good repayment record; early payments may boost the limit.
Which stores accept PayJustNow?
See the store directory at app.payjustnow.com/stores. Stores that take in-store payments are labelled “In-store”.
What do I need to register for PayJustNow?
A valid South African ID, a Visa or MasterCard debit or credit card, an email address and mobile number, and you must be 18 or older and a South African resident.
Sources
- PayJustNow Support page and FAQs, payjustnow.com, read 14 September 2026 and 25 September 2026
- PayJustNow home page (log in, sign up and store links), payjustnow.com, read 25 September 2026
- PayJustNow Terms and Conditions and Privacy Policy, payjustnow.com, read 14 September 2026
- PayJustNow knowledge base articles (how PayJustNow works, manual payments, default charges, protecting your account against fraud), community.payjustnow.com, read 14 September 2026
- PayJustNow Help Centre articles (password reset, how to sign up, why don’t I have a spend limit, what is concurrency, shopping in store) and Help Centre footer, community.payjustnow.com, read 25 September 2026