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South Africa Buy Now Pay Later Business and Investment Opportunities - 75+ KPIs on BNPL Market Size, End-Use Sectors, Market Share, Product Analysis, Business Model, Demographics - Q1 2025 Update
Market Report I 2025-02-10 I 88 Pages I PayNxt360
According to PayNXT360, BNPL payment market in South Africa is expected to grow by 13.6% on annual basis to reach US$815.1 million in 2025.
The BNPL market in the country experienced robust growth during 2021-2024, achieving a CAGR of 23.5%. This upward trajectory is expected to continue, with the market forecast to grow at a CAGR of 9.8% during 2025-2030. By the end of 2030, the BNPL sector is projected to expand from its 2024 value of USD 717.3 million to approximately USD 1,303.5 million.
This report provides a detailed data-centric analysis of the Buy Now Pay Later (BNPL) industry in South Africa, covering market opportunities and risks across a range of retail categories. With over 75 KPIs at the country level, this report provides a comprehensive understanding of BNPL market dynamics, market size and forecast, and market share statistics.
It breaks down market opportunities by type of business model, sales channels (offline and online), and distribution models. In addition, it provides a snapshot of consumer behaviour and retail spending dynamics. KPIs in both value and volume terms help in getting an in-depth understanding of end market dynamics.
PayNXT360's research methodology is based on industry best practices. Its unbiased analysis leverages a proprietary analytics platform to offer a detailed view of emerging business and investment market opportunities.
Key Insights
South Africa's BNPL market is expanding rapidly, driven by the growth of e-commerce, shifting consumer preferences, and increasing integration into non-traditional sectors. As BNPL becomes a preferred payment option for many consumers, providers diversify their offerings, extending their reach beyond retail into essential services such as transportation and utilities. The market is set to witness heightened competition, prompting BNPL providers to enhance their product offerings and improve accessibility.
The entry of new players and increased investment in the BNPL sector indicate strong market potential and further expansion opportunities. Strategic partnerships between fintech firms and merchants will continue to fuel BNPL adoption, making it a mainstream financial tool. Over the next few years, the industry will likely experience regulatory developments and increased scrutiny to ensure responsible lending practices. As the market matures, providers that prioritize innovation, customer engagement, and compliance will be well-positioned for long-term success.
Rapid Growth of BNPL Services
- The rising adoption of BNPL is largely driven by consumers seeking more flexible and interest-free payment options to manage their purchases. As digital payments gain traction, BNPL services are becoming integral to South Africa's financial ecosystem, particularly in online retail and everyday transactions.
- E-commerce growth has significantly accelerated BNPL adoption as more consumers opt for installment-based payments instead of upfront costs. Additionally, the preference for alternative credit solutions is increasing, as BNPL provides a transparent and accessible option compared to traditional credit cards. These factors have encouraged BNPL providers to expand their reach, forming partnerships with merchants across various sectors to capture a larger market share.
- Over the next few years, companies will likely introduce more innovative BNPL models and diversify their offerings to cater to wider consumer needs. As adoption intensifies, regulatory frameworks and responsible lending practices will also play a critical role in shaping the future of BNPL services in South Africa.
Integration of BNPL into Various Sectors
- Expanding BNPL services beyond traditional retail into sectors such as transportation and utilities is reshaping South Africa's financial landscape. Some BNPL providers are exploring partnerships that allow consumers to finance significant expenses such as vehicle purchases or utility bill payments through installment plans. This shift indicates that BNPL is evolving from a retail-focused model to a broader financial tool that enhances affordability in essential services.
- The driving force behind this trend is the increasing demand for flexible financing solutions in sectors where large upfront costs can be a consumer barrier. By offering BNPL options for essential services, providers are making financial management more accessible, particularly for individuals who may not have access to traditional credit facilities. This trend aligns with the broader push toward digital payments and financial inclusion in South Africa's evolving economy.
- Over the next few years, integrating BNPL into various sectors is expected to accelerate the transition toward digital payment adoption. As more service providers and industries implement BNPL solutions, consumer spending patterns may shift, leading to greater financial accessibility and economic activity. However, as BNPL expands into more essential sectors, regulatory oversight may increase to ensure responsible lending and mitigate potential consumer financial risks.
Emergence of New BNPL Players and Partnerships
- New BNPL players and strategic partnerships are reshaping South Africa's alternative credit landscape. The entry of startups such as Float, which secured a $11 million funding facility in March 2024 to expand its card-linked installment platform, highlights the growing investor confidence in BNPL solutions. These new entrants drive innovation and diversify payment options, making BNPL more accessible to a broader consumer base.
- The rapid expansion of BNPL services is fueled by lucrative market opportunities, encouraging financial institutions and fintech firms to introduce tailored BNPL products. Partnerships between BNPL providers and merchants are accelerating adoption by leveraging existing customer bases and distribution networks. These collaborations enable providers to scale quickly while offering merchants an opportunity to boost sales through flexible payment plans.
- Over the next few years, the South African BNPL market is expected to become more competitive, with an increasing number of providers differentiating their services through technological advancements and customer-focused innovations. As BNPL adoption grows, companies will likely refine their credit models and risk assessment mechanisms to ensure sustainable growth. Additionally, regulatory oversight may evolve to protect consumers while maintaining a healthy and competitive BNPL ecosystem.
Competitive Landscape and Regulatory Developments in South Africa's Buy Now, Pay Later (BNPL) Market
South Africa's BNPL market is expanding rapidly, with key players such as Payflex, PayJustNow, Mobicred, and TymeBank driving adoption across retail and digital financial services. Recent acquisitions and investments, such as Zip Co's acquisition of Payflex and Nubank's investment in TymeBank, reflect growing confidence in the sector's potential. As BNPL providers continue to refine their offerings and expand their reach, competition among established and emerging players is expected to intensify.
Over the next few years, with the expansion of BNPL services, regulatory scrutiny is expected to increase, particularly as consumer protection concerns come to the forefront. While the sector currently operates outside the scope of South Africa's National Credit Act, regulatory developments may emerge to ensure responsible lending practices and long-term sustainability.
Current State of the BNPL Market
- South Africa's BNPL market is expanding rapidly, fueled by the rise of e-commerce and shifting consumer preferences for flexible payment solutions. As more shoppers seek interest-free installment options, BNPL providers are becoming integral to the country's digital financial ecosystem. This growth has encouraged established players and new entrants to refine their offerings and strengthen their market positions.
- Key BNPL providers in South Africa, such as Payflex, PayJustNow, Mobicred, and TymeBank, have gained traction by partnering with retailers and financial institutions. Strategic investments and acquisitions, including Zip Co's acquisition of Payflex and Homechoice's acquisition of PayJustNow, reflect increasing investor confidence in the sector. As competition intensifies, BNPL providers will likely expand their services beyond traditional retail, integrating into new sectors and offering more personalized financing solutions.
Key Players and New Entrants
- Payflex: Acquired by Australia's Zip Co in September 2021, Payflex offers BNPL services across various retail sectors.
- PayJustNow: Acquired by Homechoice in February 2022, PayJustNow provides interest-free installment payment options to consumers.
- Mobicred: A digital credit facility offering online shoppers the ability to pay off purchases in monthly installments.
- TymeBank: A digital bank that has entered the BNPL space, recently receiving a $150 million investment from Brazil's Nubank, valuing it at $1.5 billion.
Outlook
- Over the next 2-4 years, the competitive intensity in South Africa's BNPL market is expected to escalate. Existing players are likely to expand their service offerings, and new entrants may emerge, attracted by the market's growth potential. Strategic partnerships and technological innovations will be key drivers of differentiation among providers.
Regulatory Changes
- Currently, BNPL models in South Africa fall outside the ambit of the National Credit Act of 2005, designed to protect consumers in the credit market. However, with the rapid growth of BNPL services, there is an expectation that regulatory frameworks will evolve to address potential consumer protection concerns. Specific regulatory changes in Africa have yet to be widely reported, but as the market matures, more defined regulations are anticipated.
1 About this Report
1.1 Summary
1.2 Methodology
1.3 BNPL Definitions
1.4 Disclaimer
2 South Africa Buy Now Pay Later Industry Attractiveness
2.1 South Africa Buy Now Pay Later - Gross Merchandise Value Trend Analysis, 2021-2030
2.2 South Africa Buy Now Pay Later - Average Value Per Transaction Trend Analysis, 2021-2030
2.3 South Africa Buy Now Pay Later-Transaction Volume Trend Analysis, 2021-2030
2.4 South Africa Buy Now Pay Later Market Share Analysis by Key Players, 2024
3 South Africa Buy Now Pay Later Operational KPIs
3.1 Buy Now Pay Later Revenues, 2021-2030
3.2 Buy Now Pay Later Share by Revenue Segments, 2021-2030
3.2.1 Buy Now Pay Later Revenue by Merchant Commission, 2021-2030
3.2.2 Buy Now Pay Later Revenue by Missed Payment Fee Revenue, 2021-2030
3.2.3 Buy Now Pay Later Revenue by Pay Now & Other Income, 2021-2030
3.3 Buy Now Pay Later Active Consumer Base, 2021-2030
3.4 Buy Now Pay Later Bad Debt, 2021 - 2024 - 2030
4 Buy Now Pay Later Spend Analysis by Business Model, 2021-2030
4.1 Buy Now Pay Later Two-Party Business Model, 2021-2030
4.2 Buy Now Pay Later Three-Party Business Model, 2021-2030
5 Buy Now Pay Later Spend Analysis by Purpose, 2021-2030
5.1 Buy Now Pay Later Convenience, 2021-2030
5.2 Buy Now Pay Later Credit, 2021-2030
6 Buy Now Pay Later Spend Analysis by Functional Attribute, 2021-2030
6.1 Buy Now Pay Later by Open Loop System, 2021-2030
6.2 Buy Now Pay Later by Closed Loop System, 2021-2030
7 Buy Now Pay Later Spend Analysis by Distribution Model, 2021-2030
7.1 Buy Now Pay Later by Standalone, 2021-2030
7.2 Buy Now Pay Later by Banks & Payment Service Providers, 2021-2030
7.3 Buy Now Pay Later by Marketplaces, 2021-2030
8 South Africa Buy Now Pay Later Spend Analysis by Sales Channel
8.1 Buy Now Pay Later Market Share by Sales Channel, 2021-2030
8.2 Buy Now Pay Later Online Channel Market Size and Forecast, 2021-2030
8.3 Buy Now Pay Later POS Channel Market Size and Forecast, 2021-2030
9 South Africa Buy Now Pay Later Snapshot by End-Use Sector, 2021-2030
9.1 Buy Now Pay Later Market Share by End-Use Sector, 2024
9.2 Buy Now Pay Later Sales Uplift by End-Use Segment, 2024
10 South Africa Buy Now Pay Later in Retail Shopping: Market Size and Forecast, 2021-2030
10.1 South Africa Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis, 2021-2030
10.2 South Africa Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis, 2021-2030
10.3 South Africa Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis, 2021-2030
11 South Africa Buy Now Pay Later Market Size and Forecast by Retail Product Categories
11.1 Buy Now Pay Later Share by Retail Product Category, 2024
11.2 South Africa Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories - Gross Merchandise Value Trend Analysis, 2021-2030
11.3 South Africa Buy Now Pay Later Retail Shopping - Consumer Electronics - Gross Merchandise Value Trend Analysis, 2021-2030
11.5 South Africa Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies - Gross Merchandise Value Trend Analysis, 2021-2030
11.6 South Africa Buy Now Pay Later Retail Shopping - Jewellery - Gross Merchandise Value Trend Analysis, 2021-2030
11.7 South Africa Buy Now Pay Later Retail Shopping - Sporting Goods - Gross Merchandise Value Trend Analysis, 2021-2030
11.8 South Africa Buy Now Pay Later Retail Shopping - Entertainment & Gaming - Gross Merchandise Value Trend Analysis, 2021-2030
11.9 South Africa Buy Now Pay Later Retail Shopping - Others - Gross Merchandise Value Trend Analysis, 2021-2030
12 South Africa Buy Now Pay Later in Home Improvement: Market Size and Forecast, 2021-2030
12.1 South Africa Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis, 2021-2030
12.2 South Africa Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis, 2021-2030
12.3 South Africa Buy Now Pay Later Home Improvement - Transaction Volume Trend Analysis, 2021-2030
13 South Africa Buy Now Pay Later in Travel: Market Size and Forecast, 2021-2030
13.1 South Africa Buy Now Pay Later Travel - Gross Merchandise Value Trend Analysis, 2021-2030
13.2 South Africa Buy Now Pay Later Travel - Average Value Per Transaction Trend Analysis, 2021-2030
13.3 South Africa Buy Now Pay Later Travel - Transaction Volume Trend Analysis, 2021-2030
14 South Africa Buy Now Pay Later in Media and Entertainment: Market Size and Forecast, 2021-2030
14.1 South Africa Buy Now Pay Later Media and Entertainment - Gross Merchandise Value Trend Analysis, 2021-2030
14.2 South Africa Buy Now Pay Later Media and Entertainment - Average Value Per Transaction Trend Analysis, 2021-2030
14.3 South Africa Buy Now Pay Later Media and Entertainment - Transaction Volume Trend Analysis, 2021-2030
15 South Africa Buy Now Pay Later in Service: Market Size and Forecast, 2021-2030
15.1 South Africa Buy Now Pay Later Service - Gross Merchandise Value Trend Analysis, 2021-2030
15.2 South Africa Buy Now Pay Later Service - Average Value Per Transaction Trend Analysis, 2021-2030
15.3 South Africa Buy Now Pay Later Service - Transaction Volume Trend Analysis, 2021-2030
16 South Africa Buy Now Pay Later in Automotive: Market Size and Forecast, 2021-2030
16.1 South Africa Buy Now Pay Later Automotive - Gross Merchandise Value Trend Analysis, 2021-2030
16.2 South Africa Buy Now Pay Later Automotive - Average Value Per Transaction Trend Analysis, 2021-2030
16.3 South Africa Buy Now Pay Later Automotive - Transaction Volume Trend Analysis, 2021-2030
17 South Africa Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast, 2021-2030
17.1 South Africa Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis, 2021-2030
17.2 South Africa Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis, 2021-2030
17.3 South Africa Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis, 2021-2030
18 South Africa Buy Now Pay Later in Others: Market Size and Forecast, 2021-2030
18.1 South Africa Buy Now Pay Later Others - Gross Merchandise Value Trend Analysis, 2021-2030
18.2 South Africa Buy Now Pay Later Others - Average Value Per Transaction Trend Analysis, 2021-2030
18.3 South Africa Buy Now Pay Later Others - Transaction Volume Trend Analysis, 2021-2030
19 South Africa Buy Now Pay Later Analysis by Consumer Attitude and Behaviour, 2021-2030
19.1 Buy Now Pay Later Spend Share by Age Group, 2024
19.1.1 South Africa Buy Now Pay Later by Age Group - Gen Z (15-27) - Gross Merchandise Value Trend Analysis, 2021-2030
19.1.2 South Africa Buy Now Pay Later by Age Group - Millennials (28-44) - Gross Merchandise Value Trend Analysis, 2021-2030
19.1.3 South Africa Buy Now Pay Later by Age Group - Gen X (45 - 60) - Gross Merchandise Value Trend Analysis, 2021-2030
19.1.4 South Africa Buy Now Pay Later by Age Group - Baby Boomers (60+) - Gross Merchandise Value Trend Analysis, 2021-2030
19.2 Buy Now Pay Later Spend Share by Default Rate by Age Group, 2024
19.3 Buy Now Pay Later Share by Income, 2024
19.3.1 South Africa Buy Now Pay Later by Income Level - Tier 1 - Gross Merchandise Value Trend Analysis, 2021-2030
19.3.2 South Africa Buy Now Pay Later by Income Level - Tier 2 - Gross Merchandise Value Trend Analysis, 2021-2030
19.3.3 South Africa Buy Now Pay Later by Income Level - Tier 3 - Gross Merchandise Value Trend Analysis, 2021-2030
19.4 Buy Now Pay Later Gross Merchandise Value Share by Gender, 2024
19.5 Buy Now Pay Later Adoption Rationale, 2024
19.6 South Africa Buy Now Pay Later Market - Spend by Monthly Expense Segments, 2024
20 Further Reading
20.1 About PayNXT360
20.2 Related Research
Table 1: South Africa Buy Now Pay Later - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 2: South Africa Buy Now Pay Later - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 3: South Africa Buy Now Pay Later - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 4: South Africa Buy Now Pay Later - Revenues (US$ Million), 2021-2030
Table 5: South Africa Buy Now Pay Later - Merchant Commission (US$ Million), 2021-2030
Table 6: South Africa Buy Now Pay Later - Missed Payment Fee Revenue (US$ Million), 2021-2030
Table 7: South Africa Buy Now Pay Later Pay Now - Other Income (US$ Million), 2021-2030
Table 8: South Africa Buy Now Pay Later - Active Consumer Base (Thousand), 2021-2030
Table 9: South Africa Buy Now Pay Later - Bad Debt (US$ Million), 2022-2024-2030
Table 10: South Africa Buy Now Pay Later - Two-Party Business Model (US$ Million), 2021-2030
Table 11: South Africa Buy Now Pay Later - Three-Party Business Model (US$ Million), 2021-2030
Table 12: South Africa Buy Now Pay Later - Convenience (US$ Million), 2021-2030
Table 13: South Africa Buy Now Pay Later - Credit (US$ Million), 2021-2030
Table 14: South Africa Buy Now Pay Later - Open Loop System (US$ Million), 2021-2030
Table 15: South Africa Buy Now Pay Later - Closed Loop System (US$ Million), 2021-2030
Table 16: South Africa Buy Now Pay Later - Standalone (US$ Million), 2021-2030
Table 17: South Africa Buy Now Pay Later - Banks & Payment Service Providers (US$ Million), 2021-2030
Table 18: South Africa Buy Now Pay Later - Marketplaces (US$ Million), 2021-2030
Table 19: South Africa Buy Now Pay Later - Gross Merchandise Value by Online Channel (US$ Million), 2021-2030
Table 20: South Africa Buy Now Pay Later - Gross Merchandise Value by POS Channel (US$ Million), 2021-2030
Table 21: South Africa Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 22: South Africa Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 23: South Africa Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 24: South Africa Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 25: South Africa Buy Now Pay Later Retail Shopping - Consumer Electronics - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 26: South Africa Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 27: South Africa Buy Now Pay Later Retail Shopping - Jewellery - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 28: South Africa Buy Now Pay Later Retail Shopping - Sporting Goods - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 29: South Africa Buy Now Pay Later Retail Shopping - Entertainment & Gaming - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 30: South Africa Buy Now Pay Later Retail Shopping - Others - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 31: South Africa Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 32: South Africa Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 33: South Africa Buy Now Pay Later Retail Shopping Home Improvement - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 34: South Africa Buy Now Pay Later Travel - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 35: South Africa Buy Now Pay Later Travel - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 36: South Africa Buy Now Pay Later Travel - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 37: South Africa Buy Now Pay Later Media and Entertainment - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 38: South Africa Buy Now Pay Later Media and Entertainment - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 39: South Africa Buy Now Pay Later Media and Entertainment - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 40: South Africa Buy Now Pay Later Service - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 41: South Africa Buy Now Pay Later Service- Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 42: South Africa Buy Now Pay Later Service - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 43: South Africa Buy Now Pay Later Automotive - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 44: South Africa Buy Now Pay Later Automotive - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 45: South Africa Buy Now Pay Later Automotive - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 46: South Africa Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 47: South Africa Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 48: South Africa Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 49: South Africa Buy Now Pay Later Others - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 50: South Africa Buy Now Pay Later Others - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 51: South Africa Buy Now Pay Later Others - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 52: South Africa Buy Now Pay Later by Age Group - Gen Z (15-27) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 53: South Africa Buy Now Pay Later by Age Group - Millennials (28-44) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 54: South Africa Buy Now Pay Later by Age Group - Gen X (45 - 60) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 55: South Africa Buy Now Pay Later by Age Group - Baby Boomers (60+) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 56: South Africa Buy Now Pay Later by Income Level - Tier 1 - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 57: South Africa Buy Now Pay Later by Income Level - Tier 2 - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 58: South Africa Buy Now Pay Later by Income Level - Tier 3 - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 1: PayNXT360's Methodology Framework
Figure 2: South Africa Buy Now Pay Later - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 3: South Africa Buy Now Pay Later - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 4: South Africa Buy Now Pay Later - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 5: South Africa Buy Now Pay Later - Market Share Analysis by Key Players (by Value), 2024
Figure 6: South Africa Buy Now Pay Later - Revenues (US$ Million), 2021-2030
Figure 7: Buy Now Pay Later Share - Revenue Segments (%), 2021-2030
Figure 8: South Africa Buy Now Pay Later - Merchant Commission (US$ Million), 2021-2030
Figure 9: South Africa Buy Now Pay Later - Missed Payment Fee Revenue (US$ Million), 2021-2030
Figure 10: South Africa Buy Now Pay Later Pay Now - Other Income (US$ Million), 2021-2030
Figure 11: South Africa Buy Now Pay Later - Active Consumer Base (Thousand), 2021-2030
Figure 12: South Africa Buy Now Pay Later - Bad Debt (US$ Million), 2021-2024-2030
Figure 13: South Africa Buy Now Pay Later Spend Analysis by Business Model (%), 2021-2030
Figure 14: South Africa Buy Now Pay Later - Two-Party Business Model (US$ Million), 2021-2030
Figure 15: South Africa Buy Now Pay Later - Three-Party Business Model (US$ Million), 2021-2030
Figure 16: South Africa Buy Now Pay Later Spend Analysis by Purpose (%), 2021-2030
Figure 17: South Africa Buy Now Pay Later - Convenience (US$ Million), 2021-2030
Figure 18: South Africa Buy Now Pay Later - Credit (US$ Million), 2021-2030
Figure 19: South Africa Buy Now Pay Later Spend Analysis by Functional Attribute (%), 2021-2030
Figure 20: South Africa Buy Now Pay Later - Open Loop System (US$ Million), 2021-2030
Figure 21: South Africa Buy Now Pay Later - Closed Loop System (US$ Million), 2021-2030
Figure 22: South Africa Buy Now Pay Later Spend Analysis by Distribution Model (%), 2021-2030
Figure 23: South Africa Buy Now Pay Later - Standalone (US$ Million), 2021-2030
Figure 24: South Africa Buy Now Pay Later - Banks & Payment Service Providers (US$ Million), 2021-2030
Figure 25: South Africa Buy Now Pay Later - Marketplaces (US$ Million), 2021-2030
Figure 26: South Africa Buy Now Pay Later - Gross Merchandise Value Market Share by Sales Channel (%), 2021-2030
Figure 27: South Africa Buy Now Pay Later - Gross Merchandise Value by Online Channel (US$ Million), 2021-2030
Figure 28: South Africa Buy Now Pay Later - Gross Merchandise Value by POS Channel (US$ Million), 2021-2030
Figure 29: South Africa Buy Now Pay Later - Market Share by End-Use Sector (%), 2024
Figure 30: South Africa Buy Now Pay Later - Market Share by End-Use Segment (%), 2024
Figure 31: South Africa Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 32: South Africa Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 33: South Africa Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 34: South Africa Buy Now Pay Later - Market Share by Retail Product Category (%), 2024
Figure 35: South Africa Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 36: South Africa Buy Now Pay Later Retail Shopping - Consumer Electronics - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 37: South Africa Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 38: South Africa Buy Now Pay Later Retail Shopping - Jewellery- Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 39: South Africa Buy Now Pay Later Retail Shopping - Sporting Goods - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 40: South Africa Buy Now Pay Later Retail Shopping - Entertainment & Gaming - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 41: South Africa Buy Now Pay Later Retail Shopping - Others - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 42: South Africa Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 43: South Africa Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 44: South Africa Buy Now Pay Later Home Improvement - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 45: South Africa Buy Now Pay Later Travel - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 46: South Africa Buy Now Pay Later Travel - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 47: South Africa Buy Now Pay Later Travel - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 48: South Africa Buy Now Pay Later Media and Entertainment - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 49: South Africa Buy Now Pay Later Media and Entertainment - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 50: South Africa Buy Now Pay Later Media and Entertainment - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 51: South Africa Buy Now Pay Later Service - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 52: South Africa Buy Now Pay Later Service - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 53: South Africa Buy Now Pay Later Service - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 54: South Africa Buy Now Pay Later Automotive - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 55: South Africa Buy Now Pay Later Automotive - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 56: South Africa Buy Now Pay Later Automotive - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 57: South Africa Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 58: South Africa Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 59: South Africa Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 60: South Africa Buy Now Pay Later Others - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 61: South Africa Buy Now Pay Later Others - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 62: South Africa Buy Now Pay Later Others - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 63: South Africa Buy Now Pay Later - Share by Age Group in Value Terms (%), 2024
Figure 64: South Africa Buy Now Pay Later by Age Group - Gen Z (15-27) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 65: South Africa Buy Now Pay Later by Age Group - Millennials (28-44) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 66: South Africa Buy Now Pay Later by Age Group - Gen X (45 - 60) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 67: South Africa Buy Now Pay Later by Age Group - Baby Boomers (60+) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 68: South Africa Buy Now Pay Later - Share by Default Rate by Age Group in Value Terms (%), 2024
Figure 69: South Africa Buy Now Pay Later - Share by Income Group in Value Terms (%), 2024
Figure 70: South Africa Buy Now Pay Later by Income Level - Tier 1 - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 71: South Africa Buy Now Pay Later by Income Level - Tier 2 - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 72: South Africa Buy Now Pay Later by Income Level - Tier 3 - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 73: South Africa Buy Now Pay Later - Share by Gender in Value Terms (%), 2024
Figure 74: Buy Now Pay Later - Adoption Rationale by Value, 2024
Figure 75: South Africa Buy Now Pay Later - Monthly Expense Segments, 2024
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- Sample Pages
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With the vast majority of our partners we can obtain Sample Pages to support your decision. This is something we can arrange without revealing your personal details.
It is important to note that we will not be able to provide you the exact data or statistics such as Market Size and Forecasts. Sample pages usually confirm the layout or the Categories included in Charts and Graphs, excluding specific data.
To ask for Sample Pages by contact us through ‘? ASK A QUESTION’, support@scotts-international.com, or by telephoning 0048 603 394 346.
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- Check for Alternatives
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Whilst we try to make our online platform as easy to use as possible there is always the possibility that a better alternative has not been found in your search.
To avoid this possibility Contact us through ‘? ASK A QUESTION’, support@scotts-international.com, or by telephoning 0048 603 394 346 and a Senior Team Member can review your requirements and send a list of possibilities with opinions and recommendations.
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- Confirm Content
- Prices / Formats / Delivery
- Prices
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All prices are set by our partners and should be exactly the same as those listed on their own websites. We work on a Revenue share basis ensuring that you never pay more than what is offered elsewhere.
Should you find the price cheaper on another platform we recommend you to Contact us as we should be able to match this price. You can Contact us though through ‘? ASK A QUESTION’, support@scotts-international.com, or by telephoning 0048 603 394 346.
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- Discounts
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As we work in close partnership with our Partners from time to time we can secure discounts and assist with negotiations, this is part of our personalised service to you.
Discounts can sometimes be arranged for speedily placed orders; multiple report purchases or Higher License purchases.
To check if a Discount is possible please Contact our experienced team through ‘? ASK A QUESTION’, support@scotts-international.com, or by telephoning 0048 603 394 346.
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- Available Currencies
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Most Market Reports on our platform are listed in USD or EURO based on the wishes of our Partners. To avoid currency fluctuations and potential price differentiations we do not offer the possibility to change the currency online.
Should you wish to pay in a different currency to that advertised online we do accept payments in USD, EURO, GBP and PLN. The price will be calculated based on the relevant exchange rate taken from our National Bank.
To pay in a different above currency to that advertised online please Contact our team and a quotation will be sent within a couple of hours with payment details.
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- Licenses
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License options vary from Partner to Partner as is usually based on the number of Users that will benefitting from the report. It is very important that License ordered is not breached as this could have potential negative consequences for you individually or your employer.
If you have questions or need confirmation about the specific license we recommend you to Contact us and a detailed explanation will be provided.
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- Global Site License
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The Global Site License is the most comprehensive license available. By selecting this license, the Market Report can be shared with other ‘Allowed Users’ and any other member of staff from the same organisation regardless of geographic location.
It is important to note that this may exclude Parent Companies or Subsidiaries.
If you have questions or need confirmation about the specific license we recommend you to Contact us and a detailed explanation will be provided.
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- Formats
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The most common format is PDF, however in certain circumstances data may be present in Excel format or Online, especially in the case of Database or Directories. In addition, for certain higher license options a CD may also be provided.
If you have questions or need clarification about the specific formats we recommend you to Contact us and a detailed explanation will be provided.
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- Delivery
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Delivery is fulfilled by our partners directly. Once an order has been placed we inform the partner by sharing the delivery email details given in the order process.
Delivery is usually made within 24 hours of an order being placed, however it may take longer should your order be placed prior to the weekend or if otherwise specified on the Market Report details page. Additionally, if details have been not fully completed in the Order process a delay in delivery is possible.
If a delay in delivery is expected you will be informed about it immediately.
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- Shipping Charges
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As most Market Reports are delivered in PDF format we almost never have to add additional Shipping Charges. If, however you are ordering a Higher License service or a specific delivery format (e.g. CD version) charges may apply.
If you are concerned about additional Shipping Charges we recommend you to Contact us to double check.
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- Prices
- Ordering
- By Credit Card
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We work in Partnership with PayU to ensure payments are made securely in a fast and effortless way. PayU is the e-payments division of Naspers.
Naspers operates in over 133 International Markets and ranks 3rd Globally in terms of the number of e-commerce customers served.
For more information on PayU please visit: https://www.payu.pl/en/about-us
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- By Money Transfer
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If you require an invoice prior to payment, this is possible. To ensure a speedy delivery of the Market Report we require all relevant company details and you agree to maximum payment terms of 30 days from receipt of order.
With our regular clients deliver of the Market Report can be made prior to receiving payment, however in some circumstances we may ask for payment to be received before arranging for the Market Report to be delivered.
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- By Credit Card
- Security
- Website security
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We have specifically partnered with leading International companies to protect your privacy by using different technologies and processes to ensure security.
Everything submitted to Scotts International is encrypted via SSL (Secure Socket Layer) and all personal information provided to Scotts International is stored on computer systems with limited access in controlled environments.
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- Credit Card Security
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We partner with PayU (https://www.payu.pl/en/about-us) to ensure all credit card payments are made securely in a fast and effortless way.
PayU offers 250+ various payment channels and eWallet services across 4 continents allowing buyers to pay electronically, whether on a computer or a mobile device.
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- Website security