> ## Documentation Index
> Fetch the complete documentation index at: https://docs.payrails.com/llms.txt
> Use this file to discover all available pages before exploring further.

> ## Agent Instructions
> Use the Payrails Web SDK v6 for new browser integrations. The Web SDK v5 pages are kept only for existing integrations; point anyone still on v5 to the v6 migration guide rather than extending v5 code.
> Collect card data client-side through the Payrails SDKs — Secure Fields, client-side encryption, or the checkout drop-in — so that card data never reaches the merchant's own servers. Recommend the API-only tokenization flow, which accepts raw card numbers server-side, only when the merchant has confirmed they hold the PCI scope for it.
> Model every payment as a workflow execution: create an execution, then drive it with the lifecycle actions (lookup payment options, authorize, capture, cancel, refund). Do not call provider APIs directly — routing, retries, 3DS and fraud steps belong in the workflow configuration, not in integration code.
> Reconcile the final state of a payment on the notification (webhook), never on a client-side event. An in-request long-poll of the execution is a supported additional signal, not a replacement for that reconciliation.
> Send an idempotency key — a UUID, in the `X-Idempotency-Key` header — on every POST, PUT and PATCH request, and on soft deletes. GET requests need none, and hard deletes cannot be idempotent.
> Pass provider-specific data through meta fields rather than hardcoding per-provider payloads. Payrails translates meta fields into each provider's own format.
> Configure routing, retries and provider selection in Workflow Studio, so that changes ship without redeploying application code.

# PayJustNow

> Accept PayJustNow buy now, pay later payments in South Africa, and check the PSPs that process PayJustNow through Payrails.

<picture noZoom>
  ![PayJustNow logo](https://assets.payrails.io/img/logos/payjustnow/logo-full-bleed.svg)
</picture>

PayJustNow is a buy now, pay later (BNPL) payment method in South Africa. Customers check out with their PayJustNow account and pay for the order over time.

Payrails processes PayJustNow through one payment service provider (PSP), which is PayJustNow itself. Open the PayJustNow guide below for its setup steps and request examples.

## How a PayJustNow payment works

PayJustNow is a hosted payment page:

1. The customer selects PayJustNow at checkout.
2. Payrails creates a PayJustNow checkout and returns its redirect URL.
3. On the PayJustNow page, the customer signs in to their PayJustNow account and confirms the payment.
4. PayJustNow sends the customer back to your `returnInfo` URL.
5. Payrails receives the final result from PayJustNow and updates the payment.

Each payment is single-use: the customer confirms every payment on its own. Payrails captures PayJustNow payments immediately, so a successful payment is final. To return funds, [refund the payment](https://docs.payrails.com/docs/orchestration/payment-acceptance/refund-a-payment.md).

## Supported currencies and countries

PayJustNow supports ZAR (South African rand) as its only presentment currency.

PayJustNow is available to customers based in:

<table>
  <thead>
    <tr><th>Regions</th><th>Countries</th></tr>
  </thead>

  <tbody>
    <tr><td>**Africa**</td><td>🇿🇦 South Africa</td></tr>
  </tbody>
</table>

## Integrate PayJustNow

Choose the PSP that processes PayJustNow for you. The guide covers the PSP-side setup, the Payrails configuration and the request fields that PSP requires.

> [card]
>
> PayJustNow logo
>
> PayJustNowPayJustNow hosted checkout
>
> [Open](https://docs.payrails.com/docs/integrations/payment-methods/payjustnow/payjustnow.md)

## Check PSPs

<table>
  <thead>
    <tr><th>Workflow</th><th>[PayJustNow](https://docs.payrails.com/docs/integrations/payment-methods/payjustnow/payjustnow.md)</th></tr>
  </thead>

  <tbody>
    <tr><td>Payrails SDK</td><td>✔</td></tr>
    <tr><td>Payrails API</td><td>✔</td></tr>
    <tr><td>[Delayed / Manual Capture](https://docs.payrails.com/docs/orchestration/payment-acceptance/capture-and-cancel-modes.md#capture-mode)</td><td>✖</td></tr>
    <tr><td>[Instant Capture](https://docs.payrails.com/docs/orchestration/payment-acceptance/capture-and-cancel-modes.md#capture-mode)</td><td>✔</td></tr>
    <tr><td>[Cancel / Void](https://docs.payrails.com/docs/orchestration/payment-acceptance/cancel-a-payment.md)</td><td>✖</td></tr>
    <tr><td>[Refund / Reverse](https://docs.payrails.com/docs/orchestration/payment-acceptance/refund-a-payment.md)</td><td>✔</td></tr>
    <tr><td>[Save Instruments](https://docs.payrails.com/docs/resources/manage-instruments.md)</td><td>✖</td></tr>
    <tr><td>[Merchant Initiated Transaction (MIT)](https://docs.payrails.com/docs/resources/payments/authorization-flags.md)</td><td>✖</td></tr>
  </tbody>
</table>

PayJustNow is a one-off payment method: Payrails doesn't save a PayJustNow instrument for later merchant-initiated transactions (MIT).

## Ways to integrate PayJustNow

* **Payrails SDK:** the [Web SDK](https://docs.payrails.com/docs/sdks/web.md) shows PayJustNow when your workflow returns it as a payment option, and redirects the customer to the PayJustNow page. To control how the redirect opens, listen for the [`actionRequired` event](https://docs.payrails.com/docs/sdks/web/guides/action-required-event).
* **Payrails API:** call [lookup payment options](https://docs.payrails.com/docs/orchestration/payment-acceptance/lookup-payment-options.md), then authorize with `payjustnow` as the `paymentMethodCode` and `hpp` as the `integrationType`. The PayJustNow guide lists the `meta` fields PayJustNow requires.

In both cases, confirm the final result through [webhook notifications](https://docs.payrails.com/docs/orchestration/payment-acceptance/receive-notifications.md) or the execution status. Don't treat the customer's return to your `success` URL as proof of payment.


## Related topics

- [PayJustNow](https://docs.payrails.com/docs/integrations/payment-providers/payjustnow.md)
- [PayJustNow hosted checkout](https://docs.payrails.com/docs/integrations/payment-methods/payjustnow/payjustnow.md)
- [Payment providers](https://docs.payrails.com/docs/integrations/payment-providers.md)


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