Flexible Payment Options

The best payment option depends on whether you want to pay the full
amount immediately or divide the cost into smaller payments.

• Card payment: Pay the full amount securely during
  checkout.
• PayJustNow: Divide your purchase into three
  scheduled payments.
• Payflex: Choose from the available Pay in 2,
  Pay in 3 or Pay in 4 options displayed during checkout.
• MoreTyme: Pay one-third immediately, one-third
  after 30 days and the final third after 60 days.
• Mobicred: Use an approved revolving credit
  facility and repay your account monthly.
• Payment on delivery: Available for qualifying
  orders delivered in Gauteng.

Their qualifying instalment plans are interest-free when all
scheduled payments are made on time.

Missed or late payments may result in late fees, default fees,
interest or account restrictions, depending on the provider and
payment product.

Yes. Mobicred is a formal revolving credit facility and is different
from short-term interest-free instalment options.

Interest, initiation fees, monthly service fees and repayment amounts
may apply. Your specific costs will be shown in your Mobicred
pre-agreement and credit agreement.

No. All instalment and credit payment options are subject to approval
by the relevant payment provider.

5Star Furniture does not make the approval decision and cannot
override a declined application, spending limit or credit limit.

Applications may be declined because of affordability checks,
eligibility requirements, account history, identity verification,
an insufficient spending limit or information that could not be
verified.

The payment provider manages the application and will be best placed
to explain the decision or advise whether more information is needed.

Requirements differ between providers, but you will generally need:

• A valid South African ID number
• A South African cellphone number
• A valid email address
• A qualifying bank account or bank card in your name
• Sufficient funds for the first payment

Mobicred may also request recent bank statements, payslips or other
financial documents. MoreTyme requires an eligible and verified
GoTyme Bank account.

Many applications receive a decision during registration or
checkout. Approval may take longer when identity, affordability or
supporting documents still need to be checked.

Your order can only be confirmed once the payment provider has
authorised the purchase and the required first payment has been
completed.

Early-payment rules depend on the provider:

• PayJustNow: Instalments can generally be settled
  early through your account or app.
• Payflex: You can make an early manual payment
  through the Payflex customer portal.
• Mobicred: You can make additional payments or
  request a settlement amount.
• MoreTyme: The payment schedule is currently fixed
  and cannot ordinarily be settled early.

Check your provider account before making an additional payment.

No. You do not normally have to wait until every instalment has been
paid.

Once the payment provider approves and authorises the purchase, and
5Star Furniture confirms the order, your order enters the normal
processing and delivery process.

Delivery remains subject to stock availability, order verification,
your location and the applicable delivery schedule.

The provider may try to collect the payment again. Late fees, default
fees, interest or restrictions on future purchases may apply.

Missed payments on formal credit products may also affect your credit
profile, depending on the provider and agreement.

Contact the provider as soon as possible if you know that a scheduled
payment may not go through.

A card payment may be declined because:

• There are insufficient funds or available credit.
• The card details were entered incorrectly.
• The card is not enabled for online transactions.
• The OTP or banking authentication was not completed.
• The bank declined the payment for security reasons.
• The card type is not supported.

Check your details and banking app before trying again. Contact your
bank if the payment continues to be declined.

Do not immediately place the order again, as this could create a
duplicate payment.

Contact 5Star Furniture with your name, email address, order details,
payment reference and proof of payment. The payment and order status
can then be checked.

First contact 5Star Furniture and follow the applicable returns and
refund process.

Once a refund has been approved and submitted to the payment provider,
the provider may reduce your outstanding instalments, settle the
remaining payment plan or refund amounts that you have already paid.

The exact process and time required will depend on the payment
provider and your bank.

Instalment providers generally require you to use your own registered
account, personal information and a qualifying card or bank account
in your own name.

Using another person’s card or account may cause the payment or
application to be declined.

No. Payment on delivery is currently available for qualifying orders
delivered within Gauteng only.

Orders outside Gauteng must be paid using one of the online payment
options available during checkout.

Any payment and delivery requirements will be confirmed before your
order is dispatched.

Contact 5Star Furniture for questions about your
order, stock, delivery, returns or whether a refund has been
submitted.

Contact the relevant payment provider for questions
about your application, approval, payment schedule, spending limit,
account login, missed instalment or provider fees.