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Payflex

Payflex

Personal Loan · 200 reviews

Naledi KhumaloDr. Marcus Pretorius
Rating compiled by LoanRating.co.za
Text written by Naledi Khumalo, Personal Finance Editor
Material reviewed by Dr. Marcus Pretorius, Credit & Lending Compliance Expert
Last updated: 8 April 2026

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User Reviews (200)

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☆☆☆☆Michelle Solomon
2026/04/07

Can't access account no matter what I do!

I have tried to use Payflex and the experience has been extremely frustrating. I cannot log into my account, I do not receive OTPs via SMS, and password reset emails never arrive. I then attempted to contact support, but the support form on the website does not submit, even after completing all required fields. This means there is currently no way to access my account or get assistance. My phone and email are working perfectly, so this appears to be an issue with Payflex’s systems. Please can someone from Payflex support contact me directly to resolve this.

☆☆☆☆Bronwin Gouws
2026/03/31

HORRIBLE SERVICE

HORRIBLE SERVICE ! PLEASE USE PAYJUSTNOW INSTEAD !!

☆☆☆☆Sharon Lundy
2026/03/30

No Response

Been waiting for a call 'from an agent' since last week for biometric verification! No telephone numbers, only an email box from where no response comes through!!!!

☆☆☆☆Shandy Tema
2026/03/28

I hereby report fraudulent activity by…

I hereby report fraudulent activity by Payflex, which resulted in an unauthorized debit of *R2700+* from my Nedbank account. The debit occurred in the early hours without my knowledge, and when I tried to perform transactions I discovered the money was gone. Nedbank confirmed that Payflex initiated the debit and stated they cannot reverse it. I have emailed Payflex detailing the fraudulent activity and requesting an immediate investigation, reversal of the debited amount, and assurance that security measures will be improved to prevent future unauthorized transactions. I expect Payflex to resolve the matter urgently and provide full restitution for the loss incurred.

★★★★★Thembi
2026/03/25

Great service i got fro Nokuphila

Great service i got fro Nokuphila

☆☆☆☆Nadine
2026/03/09

Nightmare Service

It is an absolute nightmare trying to get anything resolved if a query does arise. You can expect to have weeks of late penalties added to your account which they won't reverse, even though they close tickets before sorting the issue out!

☆☆☆☆Ksenia
2026/02/18

Atrocious service

Atrocious service. Rather use mobicred

☆☆☆☆Zanezwi Nkosenhle Mkhize
2026/02/14

It was working well

It was working well, and support was responsive. Suddenly I saw that I do not have orders, as in I can't make orders, I tried live chat with them and they gave me support email, I sent the email, they never responded. Live chat responds after 9 hours or the following day.

☆☆☆☆FTK Nonya
2026/02/04

Rediculous service

Rediculous service

☆☆☆☆customer
2026/02/03

They didn't accept Mya application

They didn't accept Mya application

★★★★Priscilla
2026/02/01

Impressive

It was my first time using Payflex and the experience was great I must say...

★★★★★customer
2026/02/01

Why my reward doesn't work

I like the the quality of the company Protecting customers details and satisfies customers

★★★★★adela abduraouf
2026/01/29

So grateful to Payflex ..to pay for a…

So grateful to Payflex ..to pay for a flight in 4 parts is the best and easiest experience to have.. so you can use the money on other necessities and pay every 2nd week in 4 parts ! AS CASH .. NOT 1 CENT MORE!❤️

★★★★★Jessica
2026/01/29

I absolutely love Payflex

I absolutely love Payflex! It makes shopping so much easier because I can spread my payments without the stress of a credit card. The app is super simple to use, the checkout process is smooth and I feel in control of my budget. Whether I’m shopping online or in-store, Payflex always makes everything feel easy and flexible. Highly recommend to anyone who wants a smarter way to pay!

☆☆☆☆Kaylene De Rose
2026/01/27

Paid in Full for an Order That Doesn’t Exist – Zero Support from Payflex

Go to Hellopeter.com to see a full picture of how poorly this company handles customers. Anyway, I am extremely disappointed with Payflex’s handling of my case. I attempted to make a purchase on Cotton On via Payflex. During checkout, the payment window was accidentally closed before I could confirm completion. I never received a confirmation email from Cotton On, and the order does not reflect in my Cotton On account. There is no order number, no invoice, and no record of a successful purchase on the retailer’s side. However, Payflex insists that the transaction was successful. I have now paid the full amount to Payflex for a purchase that does not exist. Despite submitting multiple queries, I receive the same generic response: “The purchase was successful,” and the ticket is closed without resolution. There is: No proof of a completed retailer order No order confirmation No way to escalate the issue No customer support phone number No meaningful investigation into the discrepancy Closing tickets without resolving the issue is not customer service. It is dismissive and unacceptable. At this point, I have paid for goods I have not received, and Payflex refuses to properly investigate or provide proof that Cotton On processed the order. I expect: Written proof of a valid order from Cotton On linked to this transaction, OR An immediate refund of the full amount paid. Consumers should not have to chase their own money when a payment gateway fails to reconcile a transaction properly. Until this is resolved, I cannot recommend Payflex to anyone.

☆☆☆☆customer
2026/01/21

poor customer service

I really do not understand the business model. I have been a client of Payflexfor years and I have never missed a payment, in actual fact I at times even pay some orders before the due date. This morning i tried to purchase something unaware that my limit was reduced. No communication what so ever,no reason given. Imagine the emabarrestment.

★★★★★Daneal Bester
2026/01/12

Great service and fast

Great service and fast. Thanks

★★★★★Bongi
2025/12/02

It helped by making my wish to order at…

It helped by making my wish to order at SHEIN come through when I did not have money, and it's this time of the year whereby it's difficult to find clothes, sizes, etc because of the festive season

★★★★customer
2025/12/01

Easy to use and is available with most retailers

Easy to use and is available with most retailers🙂‍↕️.. I just wish that when you place an order and your chosen salary date has not passed yet it would automatically charge again on the following month so that it is 3 pay in 3 months instead of 3 payments in 2 months

☆☆☆☆Armand Vermeulen
2025/11/26

Fraudulent transactions

Fraudulent transactions, payflex not picking up payments that was paid. No support what so ever from there website, not even a phone number that works....

Showing 20 of 200 reviews

Contact Payflex

🌐payflex.co.za