About
Happy Pay is a Cape Town buy-now-pay-later service that splits an online purchase into two interest-free payments taken over the shopper's next two paydays, with no deposit required. Approval runs through Happy Pay's own AI engine in its app. What sets it apart is an ad-subsidised model: participating retailers fund the instalment plan, so the consumer pays no interest or fees. Led by co-founder and CEO Wesley Billett, Happy Pay raised a US$5 million seed round led by Partech in March 2026, when it reported more than 600,000 registered users in South Africa.
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