Please note: Mobicred is integrated via Payfast, so you will need to select Payfast during checkout.

How does Mobicred work?

Mobicred is digital credit that allows you to shop safely at over 55,000 places, both online and in-store* – with us being one of these. You could qualify for up to R50,000* credit in less than 15 minutes*.

Apply Online

*Ts & Cs apply. Select automated income verification and accept pre-agreement.

How do I checkout?

1. Shop your chosen store as per usual, and add to cart.
2. During the checkout process, choose Mobicred (via Payfast) as your payment option.

To find Mobicred, you may need to first select Payfast

1. Sign in with your Mobicred username and password. This will trigger an OTP to your registered mobile device.
2. Enter the OTP to complete the payment.
3. You’ll get your order right away from us, and pay your Mobicred instalments when due.

What is Float?

Float is the no-brainer way to pay with your credit card. Buy bigger at Gozney.co.za and checkout with Float to split your payments over up to 6 interest-free, fee-free monthly instalments using the available limit on your Visa or Mastercard credit card.

No interest or fees. No applications. No new debt. No-brainer.

Why use Float?

• Buy now. Pay way later.
• Zero interest. Zero fees.
• No applications. No credit checks.
• No new credit.

How to pay with Float?

It's as quick and easy as a regular credit card purchase. No sign-up required - just shopping joy on your terms.

1. Choose Float as your payment method
2. Choose your number of instalments
3. Enter your credit details and Float it
4. Hooray! You're paying later with Float

How Float works

At the time of purchase, Float temporarily "reserves" the full amount on your credit card, but only charges you the first interest-free instalment. The remaining instalments are charged on the same day each month. In between each instalment, a new temporary "reserve" is placed for the outstanding balance, until your purchase is completely repaid.

Need clarity? Here's an example!

R12 000 purchase in 3 instalments using Float

Today: R12 000 reserved, R4 000 paid

1 month later: R8 000 reserved, R4 000 paid

2 months later: R4 000 reserved, R4 000 paid

How does Stitch Buy Now Pay Later work?

Stitch BNPL lets you pay for your order in easy, flexible instalments. Simply select Stitch as your payment method at checkout, verify your identity, and you're good to go. You can manage all your outstanding orders and payments from a single dashboard.

How do I checkout with Stitch BNPL?

1. Shop as usual and add items to your cart.
2. At checkout, select Stitch Buy Now Pay Later as your payment method.
3. Enter your details to create a profile and verify your identity with a quick selfie.
4. You'll be approved for a spending limit based on your credit profile.
5. Enter your card details and complete your purchase.

Managing your instalments

Once you've made a purchase, you can log in to your Stitch BNPL dashboard to review pending instalments, update your payment method, and view your remaining available spend.

For any queries regarding Stitch BNPL, please contact express-support@stitch.money.