Misleading customers

I would like to lodge a formal complaint regarding my recent experience using your service. I attempted to purchase an item valued at R300, expecting that I would only need to pay the first instalment of R100 upfront, with the remaining balance spread over the next two months, as advertised by your "pay in 3" option. However, when I proceeded with the transaction, it appeared that the full R300 was going to be deducted from my available balance in the app. This was extremely confusing and completely different from my understanding of how the service works. If customers are expected to have the full purchase amount available in their PayJustNow account, then the benefit of paying over three months becomes unclear. I believe the payment process and available balance requirements should be explained much more clearly to avoid misleading customers. I would appreciate an explanation of why the full amount was being deducted and how the instalment system is intended to function. I look forward to your response. Kind regards, Carmen Hendricks