Payflex Recensioni 

Go to Hellopeter.com to see a full picture of how poorly this company handles customers.

Anyway, I am extremely disappointed with Payflex’s handling of my case.
I attempted to make a purchase on Cotton On via Payflex. During checkout, the payment window was accidentally closed before I could confirm completion. I never received a confirmation email from Cotton On, and the order does not reflect in my Cotton On account. There is no order number, no invoice, and no record of a successful purchase on the retailer’s side.
However, Payflex insists that the transaction was successful.

I have now paid the full amount to Payflex for a purchase that does not exist. Despite submitting multiple queries, I receive the same generic response: “The purchase was successful,” and the ticket is closed without resolution.

There is:

No proof of a completed retailer order

No order confirmation

No way to escalate the issue

No customer support phone number

No meaningful investigation into the discrepancy

Closing tickets without resolving the issue is not customer service. It is dismissive and unacceptable.

At this point, I have paid for goods I have not received, and Payflex refuses to properly investigate or provide proof that Cotton On processed the order.

I expect:

Written proof of a valid order from Cotton On linked to this transaction, OR

An immediate refund of the full amount paid.

Consumers should not have to chase their own money when a payment gateway fails to reconcile a transaction properly.

Until this is resolved, I cannot recommend Payflex to anyone.

I really do not understand the business model.
I have been a client of Payflexfor years and I have never missed a payment, in actual fact I at times even pay some orders before the due date.
This morning i tried to purchase something unaware that my limit was reduced. No communication what so ever,no reason given.
Imagine the emabarrestment.

Great service and fast. Thanks

It helped by making my wish to order at SHEIN come through when I did not have money, and it's this time of the year whereby it's difficult to find clothes, sizes, etc because of the festive season

Easy to use and is available with most retailers🙂‍↕️.. I just wish that when you place an order and your chosen salary date has not passed yet it would automatically charge again on the following month so that it is 3 pay in 3 months instead of 3 payments in 2 months

Fraudulent transactions, payflex not picking up payments that was paid. No support what so ever from there website, not even a phone number that works....

I can't verify my identity on their app. I logged a ticket, but they didn't even bother with investigations. I don't have an ID book; im using a smart card, and I do have an account with them. I was not applying for an account. I got this response from
Khayalethu Nyembe , "Unfortunately, your ID book has not been verified by the Department of Home Affairs. To rectify this, you will need to apply for a new ID card. This will bring your records and latest photo up to date at the Department of Home Affairs. It is important to note that there is no issue with the validity of your current ID book. The reason for this verification failure is simply that Home Affairs does not possess your digital photo, which is necessary for our system to verify your identity. This may be due to the fact that your ID book was issued prior to the implementation of the new system. Our system compares the photo you provide through the link we send with your Home Affairs digital ID photo. Once your Smart ID card has been digitally activated and you have received it, you are more than welcome to apply for a Payflex account.

The payflex is still number one on the list and much convenient, I just recently returned back my order from Takealot which I used payflex as a trusted and reliable payment method and payflex paid me back my money within 12 hours of my return request. I recommend this payflex payment method to anyone who wants a convenient shopping experience.

I returned order on Takealot 12 days ago and not receiving my R6500 that payflex is owing me. The landline number is not answered and no response from email. Just automated response saying max response time is 72 hours. I have been waiting for 300 hours for a response. People must be careful of using this fraudulent payflex service.

I purchased an item from Takealot i made 3 payments, but they still deducted a 4th payment and now i am struggling to get my refund. You can't call because they never answer and they take forever to respond to your emails. I have sent the proof of payments, but nothing gets done. I wonder if I will ever get my refund. I again today resent my proofs of payments because they wanted my bank statements but i think that is ridiculous.

I have had an absolutely terrible experience with Payflex. I placed two orders through a merchant— both of which were cancelled the same day because the merchant had no stock.

Despite the cancellations, I have paid Payflex in full. The merchant now claims that they never received any payment from Payflex and therefore cannot process my refund. I reached out to Payflex numerous times, simply asking for proof of payment to the merchant so that I could show the merchant and recover my money.

To this day, Payflex has ignored my repeated emails and support tickets. My latest ticket, #306178, has been open for days with no response — despite Payflex advertising a maximum response time of 72 hours. It’s clear that this timeframe means nothing to them.

Their so-called “customer support” is non-existent. No one takes ownership, no one follows up, and there is no escalation path for unresolved queries. What should have been a simple refund matter has turned into a frustrating and time-consuming ordeal where I’m caught between a merchant that blames Payflex and a payment provider that refuses to help or even communicate.

Payflex’s policy that they “do not get involved in refunds” is fine in principle — but refusing to even provide basic proof of payment is unacceptable. It’s been over 7 months since I placed these orders, and I still have no refund and no help from Payflex.

If this is how Payflex treats paying customers, I strongly advise anyone considering using them to think twice. Their lack of accountability and disregard for customer support is shocking.

i have had no issues with Payflex up until I had to update my details. My issue is that my Mobile number and ID was updated after this my credit was reduced from R5000 to. R0.00, they told me to pay outstanding amounts. The next payment is due 25 November 2025. In fact, I wanted to make an advance payment, and the system would bounce to an error message. I then contacted support, and each consultant would give me the same steps that did not work, screenshot, screen recorded, and sent, and nothing. I then realized that it must be a technical issue. I tried explaining but they would mark the query solved even though it was not. SO now I have an account with payflex I cant use and nobody is helping.

The customer service is terrible. 1. You cannot send an email 2. You cannot call. 3. Queries takes a long time to resolve

Split interest free payments makes shopping on the likes of Take a lot and Shein a breeze!

Just have a shocking experience with Payflex..firstly, their app selfie system does not work,when acquire they said my I'd photo is not with Home Affairs?? I have to apply for a digital ID, I said I never apply for a NWO digital human control Id as long as I live,they come back and say they do not help people older than 60? What a NWO influenced, discriminating entity!!

Have always been a loyal payflex client for many years, after a recent issue I dont think I will support them anymore, my available balance always used to refresh as payment are made and become available again, suddenly after my last purchase thats not the case, spoke to support and now is suddenly R0 available ? I have much higher limit than what is owed and cant use it now but they say the system updates it... this is not acceptable Payflex you messed up my account!!!

Good day,

I am extremely disappointed that this issue has still not been resolved. I reported it on the same day my debit was due, yet no one has assisted me. I get an email 7 days later! No contact numbers no real time help!

Let me be very clear — the late fee was not applicable when I first attempted payment at 10am. Minutes later, when I logged back in, Payflex suddenly applied the fee. This is completely unjust and unacceptable.

I have screenshots proving that I was not late, and it is unreasonable to charge me a fee when not even 24 hours had passed. I have been a loyal customer for years and have never missed a single payment.

I am not paying the R250 fee.

This is an unfair penalty due to a system error, not customer fault. Please treat this with the urgency it deserves.

The app is amazing

Payflex has made my life easier by allowing me to buy, get my goods immediately and pay them back without interest. It has saved me from unnecessary debts that comes with opening a store account.

It's very easy to use and comes to rescue when in need of an item but low on cash, it's very convenient.
Awesome!! 💯