Happy Pay Next generation Buy Now Pay Later

Welcome to Happy Pay, the next generation Buy Now Pay Later platform for African consumers. Powered by open banking data and smart AI decision-making, we empower retail finance in real-time, helping users build credit scores and unlock equitable financial opportunities. As the first influencer-led embedded finance player in Africa, with organic reach to over 20 million South Africans, we’re revolutionizing the way consumers access and manage credit. Join us on our mission to transform Buy Now Pay Later in Africa.