Uniq clothing purchase not Spit in 3 payments

When making a purchase at Uniq clothing you are required to create a Shoprite money market then load that account Inorder to purchase at Uniq. When I load the purchase amount it’s not for the split payments of 3 instalments it requires the full payment. Why does it work different with Uniq clothing and why are we not advised of this? What’s the use then of adding Uniq clothing to the newtwork? This is poor service rather embarrassing standing there not understanding what is happening