Scores reflect the Overall AI Score for each category
Based on recent customer reviews, Payjoy SA (Pty) Ltd shows a sharp split between its people and its systems. Frontline consultants earn strong, frequently named praise for patience and ownership under Customer Service & Professional Guidance (4.3). Yet customers consistently report unresolved credit bureau listings, cancellations that never complete and payments that go unallocated, pulling Trust, Transparency & Compliance (1.2) and Billing, Payments & Financial Accuracy (1.8) sharply downward.
Top Strengths:
- •Customer Service & Professional Guidance: Customers name individual agents again and again, with Nkosinathi Ndlela, Ayanda Mntambo, Manolo, Atang Sibanda and Boipelo Dlamini described as patient, knowledgeable and willing to stay on the line until the device issue is genuinely resolved.
Replied to 98% of negative reviews
Reply time on negative reviews: 34h 32m
TrustIndex
6.1
Ranking
#10
in Payments & Fintech
Reply Time
26h 16m
NPS Score
-13
Recommended: Unlikely
Replied to 98% of negative reviews
Reply time on negative reviews: 34h 32m
Nov '25 - Oct '26
Frequently Asked Questions About Payjoy SA (Pty) Ltd
What do customers say about Payjoy SA (Pty) Ltd?
Based on recent customer reviews, Payjoy SA (Pty) Ltd shows a sharp split between its people and its systems. Frontline consultants earn strong, frequently named praise for patience and ownership under Customer Service & Professional Guidance (4.3). Yet customers consistently report unresolved credit bureau listings, cancellations that never complete and payments that go unallocated, pulling Trust, Transparency & Compliance (1.2) and Billing, Payments & Financial Accuracy (1.8) sharply downward.
What is Payjoy SA (Pty) Ltd's biggest strength?
Payjoy SA (Pty) Ltd's biggest strength, according to Hellopeter's AI analysis, is Customer Service & Professional Guidance. Customers name individual agents again and again, with Nkosinathi Ndlela, Ayanda Mntambo, Manolo, Atang Sibanda and Boipelo Dlamini described as patient, knowledgeable and willing to stay on the line until the device issue is genuinely resolved.
What are the most common complaints about Payjoy SA (Pty) Ltd?
The most common complaint about Payjoy SA (Pty) Ltd, based on Hellopeter's AI analysis of recent customer reviews, is Process Efficiency & Turnaround. Cancellations inside the cooling off period are a persistent friction point. Customers describe returned handsets sitting in stores for months, thirty day notice periods charged on unused devices and faulty phones sent for repair with no replacement.
How does Payjoy SA (Pty) Ltd compare to other Loans & Credit companies?
Payjoy SA (Pty) Ltd scores 2 out of 5 on Hellopeter's AI analysis of service quality in Loans & Credit, compared to the Loans & Credit industry average of 2.1. Their strongest theme is Agent Quality (4.1); their weakest is Credit Reporting (0.5). The top AI-rated Loans & Credit business on Hellopeter is AutoFin Assist (4.6). How is the AI Score calculated? →
Is Payjoy SA (Pty) Ltd trustworthy?
Payjoy SA (Pty) Ltd has a TrustIndex of 6.1 out of 10 on Hellopeter, based on 323 reviews in the last 12 months. They reply to 98% of negative reviews, typically within 34 hours 32 min. Hellopeter has tracked Payjoy SA (Pty) Ltd across 737 total reviews. How is the TrustIndex calculated? →
Recent reviews (323)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your Experience1 reviews | Active since Jun 2022
Payjpoy Weird app logic ( Extensions are to be used as the name suggests )
The worst support chatbot experience. The product is so unclear in its features. It will show that you have extensions , goes one minute over the weekly debit and now you cant use the extensions that you had 30 seconds ago. Try talking to the support chatbot , the quality of their technology is disgustingly bad. I'll share a video of the chatbot tomorrow , its actually hilarious. So my extension that unlocked after 4 payments , cant be used to extend the lock because ? How stupid do these features sound lol , it is the most ridiculous **** I've ever seen. And my extensions which i had 30 minutes ago , now I'm unable to use it ?
1 reviews | Active since Jun 2022
Payjpoy Weird app logic ( Extensions are to be used as the name suggests )
The worst support chatbot experience. The product is so unclear in its features. It will show that you have extensions , goes one minute over the weekly debit and now you cant use the extensions that you had 30 seconds ago. Try talking to the support chatbot , the quality of their technology is disgustingly bad. I'll share a video of the chatbot tomorrow , its actually hilarious. So my extension that unlocked after 4 payments , cant be used to extend the lock because ? How stupid do these features sound lol , it is the most ridiculous **** I've ever seen. And my extensions which i had 30 minutes ago , now I'm unable to use it ?
1 reviews | Active since Oct 2026
Amazing service from Ayanda
A lady named Ayanda was gave me the best service
1 reviews | Active since Oct 2026
Amazing service from Ayanda
A lady named Ayanda was gave me the best service
1 reviews | Active since Jun 2025
When I took the phone in July, I was told it will be R702, but the phone gets locked every
I regret taking a phone from payjoy. Use them at your own risk
1 reviews | Active since Jun 2025
When I took the phone in July, I was told it will be R702, but the phone gets locked every
I regret taking a phone from payjoy. Use them at your own risk
1 reviews | Active since Oct 2026
DO NOT RECOMMEND
I took a phone and took it back on the third day, mind i payed the deposit and played for it to be active for another week Lost my job a day after taking it,went there to cancel the contract and they said i should pay R702 for canceling Spoke to one of their assistants and she said its optional but they still insisted that i should pay,with what Money?
1 reviews | Active since Oct 2026
DO NOT RECOMMEND
I took a phone and took it back on the third day, mind i payed the deposit and played for it to be active for another week Lost my job a day after taking it,went there to cancel the contract and they said i should pay R702 for canceling Spoke to one of their assistants and she said its optional but they still insisted that i should pay,with what Money?
1 reviews | Active since Oct 2026
Advance Payment Made, Yet Service Denied Due to Device Locking
I am dissatisfied with the manner in which this service provider has handled this matter. An advance payment was made for the agreed service; however, the service was not rendered because the device was locked by the service provider. This raises serious concerns regarding the fulfilment of contractual obligations and the protection of consumer rights. Having paid in advance for the service, the client reasonably expected to receive the service in accordance with the agreed terms. The subsequent locking of the device, which prevented the service from being rendered, has resulted in the client not receiving the benefit of the payment made. Section 54 of the Consumer Protection Act 68 of 2008 provides for consumers' rights to the timely performance and completion of services, subject to the applicable circumstances and terms of the agreement. Where a service provider fails to render a service as agreed, the consumer may be entitled to an appropriate remedy, depending on the nature and extent of the failure. It is unacceptable for a consumer to be left without the service paid for and without a satisfactory explanation or resolution. I expect the service provider to provide a clear written explanation for the device locking, restore the service where appropriate, or consider an appropriate refund for the service not rendered. I am publishing this review to raise awareness of my experience and to call upon the service provider to address the matter professionally, transparently and in accordance with its contractual and legal obligations. I request a prompt and satisfactory resolution to this matter. The Consultants are not trained to deal with customer. The have shot customer service.
1 reviews | Active since Oct 2026
Advance Payment Made, Yet Service Denied Due to Device Locking
I am dissatisfied with the manner in which this service provider has handled this matter. An advance payment was made for the agreed service; however, the service was not rendered because the device was locked by the service provider. This raises serious concerns regarding the fulfilment of contractual obligations and the protection of consumer rights. Having paid in advance for the service, the client reasonably expected to receive the service in accordance with the agreed terms. The subsequent locking of the device, which prevented the service from being rendered, has resulted in the client not receiving the benefit of the payment made. Section 54 of the Consumer Protection Act 68 of 2008 provides for consumers' rights to the timely performance and completion of services, subject to the applicable circumstances and terms of the agreement. Where a service provider fails to render a service as agreed, the consumer may be entitled to an appropriate remedy, depending on the nature and extent of the failure. It is unacceptable for a consumer to be left without the service paid for and without a satisfactory explanation or resolution. I expect the service provider to provide a clear written explanation for the device locking, restore the service where appropriate, or consider an appropriate refund for the service not rendered. I am publishing this review to raise awareness of my experience and to call upon the service provider to address the matter professionally, transparently and in accordance with its contractual and legal obligations. I request a prompt and satisfactory resolution to this matter. The Consultants are not trained to deal with customer. The have shot customer service.
1 reviews | Active since May 2025
I need explanation from Pay Joy for returning the phone and charges
On 12-10-2026 Monday I went at Markham 's store in Middestad Mall (Bellville) where there is Pay Joy,I got helped by the guy called Brian.It took me more than 2 hours to helped by the guy and he never explained to me everything because he was busy assisting or signing other costomers as well what I noticed he is that kind of a person who want to help more than one person at the same time even the phone I got there was not finished to be to be updated software,I couldn't do anything with the phone but he told everything is working but when I got home the phone was not working it was only showing Pay Joy weekly payment I was not even able to go to apps basically I did not do anything with the phone not even to put my *** because it was like a blocked phone so Tuesday the 13-10-2026 I returned the phone because my wife was not pleased with this and also because I did not tell her that I will go to get myself a phone since my phone was ******,I returned the phone the next day but unfortunately Brian was not there they said he is on leave I spoke with another lady from Pay Joy which at first she was refusing to help me she refered me to other people at the store and these people also said I should talk to her,as soon as I mentioned I dont want this phone anymore she got angry with me and I can say she was rude to me telling my reason is not valid and Pay Joy does not own the phone it belongs to TFG,she and other TFG employees were telling me I am not allowed to return this phone I can only return it if it has a problem within 7days there were refusing to take it back until the manager intervene by telling her to call Pay Joy headoffice,she called and spoke with someone then she gave the phone to me to explain which I 've done so the person I spoke to understand my reason and told me the money I pay upfront I'm going to lose it which was something I did not understand but because I was tired arguing I agreed then i gave back the phone to Pay Joy lady at the store after she hungup she still told me my reason is not valid I told her to call the office again if my reason is not valid and I told her I was told about the money that Im not going to get back,after that she was busy on her tablet telling me she is on whatsap with Pay Joy people because thats what she was told by the person we spoke to.after that she said Py Joy said in order to take the phone back I also need to pay the first installment on top of the amount that was not told I'm not going to refunded I want to know to Pay Joy why should I pay first installment for the phone I did not use and at the store they saw the mistake was done by the guy Brian for not finish to update the software and the manager even appologise to me,there way I was treated by your employee and TFG employees I am really not happy that is the reason I'm writting this at this time I cannot stop thinking of what have happened to me yesterday at the store,I was humiliated there in front of the customers. From Thobani
1 reviews | Active since May 2025
I need explanation from Pay Joy for returning the phone and charges
On 12-10-2026 Monday I went at Markham 's store in Middestad Mall (Bellville) where there is Pay Joy,I got helped by the guy called Brian.It took me more than 2 hours to helped by the guy and he never explained to me everything because he was busy assisting or signing other costomers as well what I noticed he is that kind of a person who want to help more than one person at the same time even the phone I got there was not finished to be to be updated software,I couldn't do anything with the phone but he told everything is working but when I got home the phone was not working it was only showing Pay Joy weekly payment I was not even able to go to apps basically I did not do anything with the phone not even to put my *** because it was like a blocked phone so Tuesday the 13-10-2026 I returned the phone because my wife was not pleased with this and also because I did not tell her that I will go to get myself a phone since my phone was ******,I returned the phone the next day but unfortunately Brian was not there they said he is on leave I spoke with another lady from Pay Joy which at first she was refusing to help me she refered me to other people at the store and these people also said I should talk to her,as soon as I mentioned I dont want this phone anymore she got angry with me and I can say she was rude to me telling my reason is not valid and Pay Joy does not own the phone it belongs to TFG,she and other TFG employees were telling me I am not allowed to return this phone I can only return it if it has a problem within 7days there were refusing to take it back until the manager intervene by telling her to call Pay Joy headoffice,she called and spoke with someone then she gave the phone to me to explain which I 've done so the person I spoke to understand my reason and told me the money I pay upfront I'm going to lose it which was something I did not understand but because I was tired arguing I agreed then i gave back the phone to Pay Joy lady at the store after she hungup she still told me my reason is not valid I told her to call the office again if my reason is not valid and I told her I was told about the money that Im not going to get back,after that she was busy on her tablet telling me she is on whatsap with Pay Joy people because thats what she was told by the person we spoke to.after that she said Py Joy said in order to take the phone back I also need to pay the first installment on top of the amount that was not told I'm not going to refunded I want to know to Pay Joy why should I pay first installment for the phone I did not use and at the store they saw the mistake was done by the guy Brian for not finish to update the software and the manager even appologise to me,there way I was treated by your employee and TFG employees I am really not happy that is the reason I'm writting this at this time I cannot stop thinking of what have happened to me yesterday at the store,I was humiliated there in front of the customers. From Thobani
1 reviews | Active since Oct 2026
Got helped by Boipelo Dlamini who managed to stay with me throughout the whole process and he did guide me
Get amazing customer service. The process went smoothly and was fantastic
1 reviews | Active since Oct 2026
Got helped by Boipelo Dlamini who managed to stay with me throughout the whole process and he did guide me
Get amazing customer service. The process went smoothly and was fantastic