Pay Your PayJoy Account with Pay@

How it works Pay my PayJoy

Pay your monthly PayJoy instalment safely and securely. Use your banking app, a payment app, voucher or pay in-store. No bank account needed.

PayJoy
Simple
Secure
Pay with cash, card or voucher
No bank card needed
Paying PayJoy through Pay@

Paying PayJoy through Pay@

Every PayJoy account has a unique Pay@ reference number that starts with 11874. Customers can choose how they pay: in a retail store, with a banking app, payment app, or with a voucher.

Keep your device active by visiting payat.io and entering your unique Pay@ reference number. You'll see the amount you owe and can choose your preferred payment method. Your payment will be allocated to your PayJoy account and your phone will become or remain active.

Banking Apps

Banking Apps

Pay in-app with Capitec, Standard Bank, Absa, FNB, Shoprite Money Market App, and more.

Payment apps and QR

Payment apps and QR

Pay with SnapScan, Zapper, Scan to Pay, MTN MoMo or VodaPay by scanning the QR code on your bill.

Vouchers

Vouchers

Buy an OTT Voucher, Capitec Flexi Voucher or 1Voucher with cash at thousands of stores and pay online at payat.io. No bank card needed.

In-Store

In-Store

Pay in cash at your nearest formal or informal retailer.

Where can I pay

PayJoy is available at thousands of locations across South Africa, as well as select banking apps and online channels.

  • Spaza shops
  • Supermarkets
  • Banking apps
  • Other online channels
LEARN MORE ABOUT PAYJOY PAY YOUR PAYJOY ACCOUNT HERE

Paying your PayJoy account through Pay@ takes just a few steps - no banking details, no hassle.

How to pay your PayJoy account:

1

Find your Pay@ reference number starting with 11874 on your PayJoy SMS, Whatsapp or statement 

2

Choose your payment method: banking app, payment app, voucher or cash in-store.

3

Enter your reference number and confirm amount due.

4

Get instant confirmation. Your PayJoy account is updated.

Frequently Asked Questions

01

How do I find my PayJoy Pay@ reference number?

02

Where can I pay my PayJoy account?

03

Can I pay my PayJoy instalment without a bank account?

04

How do I pay with an OTT Voucher or 1Voucher?

05

How do I pay my PayJoy account in my banking app?

06

How quickly does my payment reflect?

How do I find my PayJoy Pay@ reference number?

Your Pay@ reference number is found on your PayJoy SMS when you opened your account. It's unique to your account, so keep it handy whenever you pay.

Where can I pay my PayJoy account?

You can pay through your banking app, a payment app like SnapScan or Zapper, with an OTT Voucher or 1Voucher, or in cash at your nearest spaza shop or informal retailer.

Can I pay my PayJoy instalment without a bank account?

Yes. Buy an OTT Voucher or 1Voucher with cash at any participating store nationwide, then pay online at payat.io. No bank card or bank account needed.

How do I pay with an OTT Voucher or 1Voucher?

Buy your OTT Voucher or 1Voucher with cash at any participating store. Then go to payat.io, enter your Pay@ reference number, select voucher as your payment method and enter your voucher code to complete payment.

How do I pay my PayJoy account in my banking app?

Open your banking app and look for a bill payments option. Enter your Pay@ reference number found on your PayJoy SMS, WhatsApp or account statement, confirm the amount due, select the account you want to pay from, then complete the payment.

How quickly does my payment reflect?

Payments reflect on your PayJoy account instantly or within a few hours, depending on your payment method.

How do I find my PayJoy Pay@ reference number?

Your Pay@ reference number is found on your PayJoy SMS when you opened your account. It's unique to your account, so keep it handy whenever you pay.

Where can I pay my PayJoy account?

You can pay through your banking app, a payment app like SnapScan or Zapper, with an OTT Voucher or 1Voucher, or in cash at your nearest spaza shop or informal retailer.

Can I pay my PayJoy instalment without a bank account?

Yes. Buy an OTT Voucher or 1Voucher with cash at any participating store nationwide, then pay online at payat.io. No bank card or bank account needed.

How do I pay with an OTT Voucher or 1Voucher?

Buy your OTT Voucher or 1Voucher with cash at any participating store. Then go to payat.io, enter your Pay@ reference number, select voucher as your payment method and enter your voucher code to complete payment.

How do I pay my PayJoy account in my banking app?

Open your banking app and look for a bill payments option. Enter your Pay@ reference number found on your PayJoy SMS, WhatsApp or account statement, confirm the amount due, select the account you want to pay from, then complete the payment.

How quickly does my payment reflect?

Payments reflect on your PayJoy account instantly or within a few hours, depending on your payment method.

Who can I pay with Pay@?

We have over 500+ billers that you can pay, your way. Simply check your invoice for the Pay@ Reference Number, next to the Pay@ logo, barcode and / or QR Code to make payment or click on the payat.io link sent to you from the biller via SMS or email. Then decide how you want to pay, at a retailer, digital or mobile payment or with vouchers.

You’ll be redirected to the payment website once you select a biller.

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