Ozow has partnered with Happy Pay to bring you BuyNow, Pay Later (BNPL), a flexible payment solution designed to help you increase conversions, attract new customers and grow your revenue.
BNPL lets customers purchase items immediately and pay in instalments over time. With Happy Pay and Ozow, customers can split their payment over two paycheques with no deposit or interest, if payments are made on time.
Reduce cart abandonment by offering flexible payment options at checkout.
Receive full settlement on a weekly basis. Collections are managed by Happy Pay and you don’t take any risk on the collection of funds.
Customers are more likely to spend more when they can pay over time.
No additional integration is required to start offering BNPL to your customers, however we highly recommend implementing the Happy Pay widget and pull-out button.
Especially younger, digitally savvy shoppers who prefer BNPL.
BNPL lets customers purchase items immediately and pay in instalments over time. With Happy Pay and Ozow, customers can split their payment over two paycheques with no deposit or interest, if payments are made on time.
BNPL provides a trusted way to meet evolving customer expectations while helping you grow your business through higher conversion rates, increased customer acquisition, and greater payment flexibility at checkout.
No additional integration is required, however the Happy Pay widget and pull-out button implementation is highly recommended.
Collections are managed by Happy Pay and you don’t take any risk on the collection of funds.
4.99% on the total transaction value + a flat fee of R4.00 per transaction.
The full transaction amount is settled on a weekly basis.
- Customers select "Buy Now, Pay Later” on the Ozow payment page
- They are redirected to Happy Pay to complete the process
- Once approved, the transaction is completed and the customer is returned to your site
If the payment is declined or cancelled, customers can choose an alternative payment method.
If you have any questions, please reach out to your Account Manager or contact us at support@ozow.com
For refunds, the customer requests it directly from you (the merchant). Once approved:
- You log the refund with Ozow.
- The refunded amount is deducted from your float (e.g. R500 on a R1000 transaction).
- Ozow notifies Happy Pay, who adjusts the customer’s BNPL balance accordingly.
- The refunded amount is then reconciled in the next settlement between Happy Pay and Ozow.
Any delivery or product disputes remain your responsibility to resolve with the customer before a refund is processed.
