TFG Expands Payment Flexibility Through PayJustNow Partnership

TFG Expands Payment Flexibility Through PayJustNow Partnership. The Foschini Group (TFG) has partnered with PayJustNow to expand Buy Now Pay Later (BNPL) functionality across more than 3,500 stores nationwide, marking a significant step in reshaping in-store payment experiences.

The rollout allows customers to split purchases into three interest-free instalments at the till, with extended repayment terms of up to 12 months available as an interest-bearing option where applicable. This integration spans more than 20 TFG brands, broadening access to flexible payment options across categories including fashion, jewellery, sportswear, and homeware.

According to Dean Hyde, Chief Operating Officer at PayJustNow, consumer behaviour is shifting as financial pressures mount. “Consumers are under real pressure. We are seeing people become far more deliberate about where and how they spend. Flexible instalments are not about spending more, they are about aligning payments with income cycles,” Hyde explained.

By embedding PayJustNow directly at the point of sale, TFG is introducing financial flexibility into the physical retail environment, traditionally dominated by card and cash transactions. This move reflects a broader retail strategy where payment methods are increasingly influencing purchasing decisions, driving conversion, basket size, and customer loyalty.

TFG’s extensive portfolio includes household names such as Foschini, Markham, Fabiani, JD Sports, American Swiss, Sportscene, Total Sports, and @home. The addition of BNPL across these brands provides a consistent, structured payment alternative for millions of customers, reducing friction at checkout and supporting higher-value purchases.

The partnership also signals the maturation of South Africa’s BNPL market. Hyde noted that BNPL is increasingly being used as a budgeting tool, offering fixed, transparent instalments that provide certainty and control in a constrained economic environment.

PayJustNow currently reports over 3.5 million registered users, with more than 100,000 new users joining monthly, and a footprint of over 12,000 retail points of presence. The TFG partnership further expands this reach, embedding financial infrastructure directly into the in-store experience.

“This is about accessibility and discipline,” Hyde added. “When customers can spread costs in a controlled, transparent way, they are better equipped to manage challenging months without compromising financial stability.”

The collaboration highlights three emerging trends in retail payments: flexibility as a value driver, in-store digital integration bridging fintech and physical retail, and responsible spending tools replacing open-ended credit models. As South Africa’s retail landscape evolves, the future of payments will be defined not only by speed and convenience but by empowering consumers with confidence, control, and clarity.