Ozow, a leading South African fintech and payments provider, has partnered with Happy Pay to introduce Buy Now, Pay Later (BNPL) to its merchant network. This partnership enables businesses to offer flexible payment options at checkout while maintaining a seamless and secure transaction experience.
As e-commerce continues to grow in South Africa, merchants are increasingly looking for proven ways to improve conversion rates and meet evolving customer expectations. BNPL has emerged as a trusted solution to address both.
What This Partnership Means for Merchants
Through this collaboration, Ozow merchants can now offer BNPL directly within their existing payment flow, with no additional integration required.
Customers can split purchases over two paycheques, interest-free if payments are made on time, creating a more accessible and flexible checkout experience.
For merchants, this translates into:
- Higher conversion rates
- Increased average order values
- Improved customer acquisition
- Reduced cart abandonment
Merchants also benefit from weekly settlement of the full transaction value, while Happy Pay manages customer repayment and collections.
Why BNPL Is Growing in South Africa
BNPL adoption is accelerating rapidly both locally and globally:
- Over 300 million consumers globally use BNPL
- BNPL accounts for approximately 5–6% of global e-commerce payments
This growth is driven by changing consumer behaviour. Shoppers are increasingly prioritising financial flexibility, transparency, and control, particularly in a high-cost environment.
BNPL meets these needs by offering predictable, short-term payment options without the complexity of traditional credit.
Seamless, Low-Friction Integration
A key advantage of the Ozow and Happy Pay partnership is its simplicity.
Merchants can enable BNPL without any additional integration work, making it one of the fastest ways to introduce a high-impact payment method.
To further enhance performance, merchants are encouraged to implement the Happy Pay widget and Buy Now, Pay Later pull-out button.
Buy Now, Pay Later Pull-out Button
We recommend adding a standalone Buy Now, Pay Later pull-out button directly to your checkout flow, as it improves the payment experience.
- Removes an extra step
- Speeds up the process
- Increases conversions
Pull-out Button Example
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Happy Pay Widget
A simple, easy-to-implement widget that showcases Happy Pay’s zero-deposit, Buy Now, Pay Later option directly on product pages.
This solution is designed to help drive higher conversions and increase basket sizes, while remaining straightforward to integrate and manage, making it accessible for most merchant site administrators and enhancing the overall customer experience.
Widget Example
Beyond Payments: Supporting Merchant Growth
In addition to payments, qualifying merchants can access Happy Pay’s “Happy Ads” platform, which provides personalised product-level marketing to drive customer acquisition and repeat purchases.
This aligns with Ozow’s broader strategy of evolving beyond payments into a full commerce enablement platform, offering tools that support business growth end-to-end.
By combining seamless payments with flexible financing, merchants can reduce friction at checkout, improve performance, and better serve modern consumers.
As BNPL continues to become a standard expectation at checkout, this integration positions Ozow merchants to compete more effectively in an increasingly dynamic digital economy.
