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BK
Bianca K

1 reviews | Active since Aug 2017

13 Aug 2025, 15:49

I recently attempted to make a purchase via Happy Pay and initially had the option to pay in instalments. Unfortunately, I clicked on the wrong payment option (“No Deposit” option) by mistake. When I realised the error, I immediately tried to correct it,

0 stars Terrible support, refused to fix error they clearly caused

0
Replies (5)
BK
Bianca K's update13 Aug 2025, 15:49
Reviewer Update
I recently attempted to make a purchase via Happy Pay and initially had the option to pay in instalments. Unfortunately, I clicked on the wrong payment option (“No Deposit” option) by mistake. When I realised the error, I immediately tried to correct it, but instead of receiving assistance, I was met with unhelpful and dismissive responses from their support team.
During the conversation, I explained multiple times that I did not want the option I had accidentally selected and simply wanted to revert to the instalment plan. However, the agent ignored my request, repeatedly stating my credit score was too low, despite the fact that I had already been approved earlier for instalments before the mistake happened.
The agent’s tone was arrogant, unhelpful, and showed no willingness to resolve the matter. Instead of providing solutions, they repeated irrelevant information and dismissed my concerns. This level of service is unacceptable, especially for a company handling financial transactions.
I am extremely dissatisfied with the lack of professionalism, the unwillingness to assist, and the time wasted trying to get a simple mistake corrected.
Desired outcome:
I request that Happy Pay:
  1. Removes the incorrectly selected “No Deposit” payment option from my account.
  2. Restores my ability to make payments in instalments, as I was originally approved for.
  3. Addresses the poor customer service I received and ensures that future interactions are handled professionally and helpfully.
Happy Pay
Happy Pay's reply14 Aug 2025, 12:53
Official
Dear Bianca Kruger

Thank you for your review. I hope my response helps clarify the matter.

As a registered financial institution, we operate under strict terms and conditions to qualify for our facility and do not engage in or encourage reckless lending.
Based on our records:
  • On 27/08/2024 at 11:29, you first signed up for Happy Pay, but your application did not pass the credit check due to a low credit score.
  • On 19/03/2025 at 12:34, you logged into your profile and attempted to complete the application again, but it was declined for the same reason.
  • On 17/07/2025 at 10:00, you made a further attempt, which was also declined due to a low credit score.

In total, there have been eight attempts to place an order. Each time, the system requested full upfront payment as credit could not be granted due to the low credit score.
We strictly follow responsible lending practices, as extending credit in this situation could lead to over-indebtedness for you and potential liability for us under reckless lending provisions.

Kind regards,
Happy Pay Team 
BK
Bianca K's update14 Aug 2025, 13:23
Reviewer Update
That's funny as it went all the way to my bank and tried to take the money luckily i did not have that exact amount so not there is nothing wrong with my credit score as the payment almost went through just say you don't know what's going on on your own website and therefore cant help with what people need help with as your reply is not even related to what i complained about
BK
Bianca K's update14 Aug 2025, 13:24
Reviewer Update
it declined because the first time i accidently put in my other account details not because of my record
Happy Pay
Happy Pay's reply14 Aug 2025, 13:44
Official
Thank you for your review .

Kindly note that I have sent you an email , with the report that we have and all personal details attached .

Kind Regards 
Happy Pay Team