Payjoy SA (Pty) Ltd
Verified Business
Payjoy SA (Pty) Ltd
Verified Business
240 Reviews (last 12 months)
Responds in 30 hours 10 min
Rated in:
Scores reflect the Overall AI Score for each category
AI Review Summary
Based on recent customer reviews, Payjoy SA (Pty) Ltd presents a deeply polarised customer experience. While individual consultants and support agents are frequently praised by name for patience, friendliness, and going the extra mile, the business faces severe systemic failures in contract cancellation, credit bureau reporting, billing transparency, and communication. These operational breakdowns overshadow the positive frontline interactions and generate significant customer distress.
Top Strengths:
- •Customer Service & Professional Guidance: Named agents like Ayanda, Nkosinathi, Nolwazi, and Manolo are consistently praised for patience, professionalism, and going the extra mile. Customers describe exceptional individual interactions despite systemic issues.
Service Quality Ratings
MetricScoreIndustry AvgBest in Class
Performance(last 12 months):
4.4Trustindex Rating
#9Ranked In Loans & Credit
30 hours 10 minutesAverage Time To Reply
-21 NPSRecommended: Unlikely
Replied to 90% of negative reviews
Typically takes less than 33 hours 52 min to reply
TrustIndex
4.4
Score
Ranking
#9
in Loans & Credit
Avg Reply
30 hours 10 minutes
NPS Score
-21
Recommended: Unlikely
Replied to 90% of negative reviews
Typically takes less than 33 hours 52 min to reply
Review Distribution
2.6|240 Reviews
May '25 - Apr '26
5(37%)
4(3.5%)
3(0.9%)
2(0.4%)
1(58.2%)
5(37%)
4(3.5%)
3(0.9%)
2(0.4%)
1(58.2%)
Recent reviews (240)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your ExperienceNM
Nhlalala M
1 reviews | Active since Jan 2020
19 Mar 2026, 07:10
And I'm still a student's
Very bad service from the provider that I got yesterday
Helpful (0)
|Replies (0)NM
Nhlalala M
1 reviews | Active since Jan 2020
19 Mar 2026, 07:10
And I'm still a student's
Very bad service from the provider that I got yesterday
0
Replies (0)D
David
1 reviews | Active since Jan 2020
19 Mar 2026, 06:44
Payjoy
Okay iam now fed up with these guys iam not a child nore stupit They contacted me and sed to me they will exchange this A26 for the A36 for the same price of the A26 that sounds good BUTT still nothing they contacted me again talking alot of chit and so we moved on to the next day and still nothing and so it will go on and on..now my other question again is why are the hammering on to me for the payment of R258 still if I choose the monthly payment plan why its not that they give you a Sim plan or contract its just a phone with there payment plans like 7days 14 days and monthly plan and SO I DID advised them I pay my R1118 on the end of the month butt still they keep on telling me the phone will be locked on the 20th March 2026 on my birthday then you will hear me for good. And then I have a other question also samsung sealed there phones with a box both sides with hard cover boxes..so this is a thing that still bothering me when I received this phone it was only the top cover of the phone that indicated the phone name and size like SAMSUNG A26 5G This phone was covered only with the top part and then in side you get the cover we're the charging cable is in that was all and then it was closed with stickers at the bottom of the top cover I have the proof my friend the box is in my possession samsung does not cover there phones like that never and so I spoke to a lady IN PAYJOY and she told me last time if I want to exchange the phone I must give them atleast 1hour to clean the phone and resealed it for selling that was her words to me and I can swear under oath that's true so they are selling old phones and refurbished phones as new ones with new prices to the public that's going to stop now I will go to the consumer,s onbutsman and the NCS with them..I swear I will iam very angry 😠 😡 if they can't give me the A36 before 5 o'clock and the payment plan that we discussed on the monthly base and not lock my phone on 20th March 2026 I will proceed and go to Rapport and Ncr with them Thank David 0724525250
Helpful (0)
|Replies (0)D
David
1 reviews | Active since Jan 2020
19 Mar 2026, 06:44
Payjoy
Okay iam now fed up with these guys iam not a child nore stupit They contacted me and sed to me they will exchange this A26 for the A36 for the same price of the A26 that sounds good BUTT still nothing they contacted me again talking alot of chit and so we moved on to the next day and still nothing and so it will go on and on..now my other question again is why are the hammering on to me for the payment of R258 still if I choose the monthly payment plan why its not that they give you a Sim plan or contract its just a phone with there payment plans like 7days 14 days and monthly plan and SO I DID advised them I pay my R1118 on the end of the month butt still they keep on telling me the phone will be locked on the 20th March 2026 on my birthday then you will hear me for good. And then I have a other question also samsung sealed there phones with a box both sides with hard cover boxes..so this is a thing that still bothering me when I received this phone it was only the top cover of the phone that indicated the phone name and size like SAMSUNG A26 5G This phone was covered only with the top part and then in side you get the cover we're the charging cable is in that was all and then it was closed with stickers at the bottom of the top cover I have the proof my friend the box is in my possession samsung does not cover there phones like that never and so I spoke to a lady IN PAYJOY and she told me last time if I want to exchange the phone I must give them atleast 1hour to clean the phone and resealed it for selling that was her words to me and I can swear under oath that's true so they are selling old phones and refurbished phones as new ones with new prices to the public that's going to stop now I will go to the consumer,s onbutsman and the NCS with them..I swear I will iam very angry 😠 😡 if they can't give me the A36 before 5 o'clock and the payment plan that we discussed on the monthly base and not lock my phone on 20th March 2026 I will proceed and go to Rapport and Ncr with them Thank David 0724525250
0
Replies (0)pS
precious S
1 reviews | Active since Jan 2020
19 Mar 2026, 06:11
Bad service
Very bad service from the provider that I got yesterday
Helpful (0)
|Replies (0)pS
precious S
1 reviews | Active since Jan 2020
19 Mar 2026, 06:11
Bad service
Very bad service from the provider that I got yesterday
0
Replies (0)XM
Xolile M
1 reviews | Active since Jan 2020
18 Mar 2026, 18:58
Request for Removal of Incorrect Credit Listing – Returned Device Within Cooling-Off Period
Good Day, I am writing to formally dispute the account that has been reported on my credit profile. The device linked to this account was returned within the required 7-day cooling-off period after my employment contract was cancelled and I could no longer afford the agreement due to the high interest. The device was returned to the sales consultant in good condition and without any damage. Based on your company’s policy, a contract cancelled within seven days should not be billed or sent to collections. It is therefore unclear on what basis this account was handed over to debt collectors and listed on my credit record. I no longer have the device, and I cannot be held liable for a contract that was cancelled and reversed within the permitted timeframe. I kindly request that this account be removed from my credit report with immediate effect and that written confirmation be provided once this has been done. Your prompt assistance in resolving this matter will be greatly appreciated. Kind regards, Xolile Manzini Reference number PAYJOY261110
Helpful (0)
|Replies (0)XM
Xolile M
1 reviews | Active since Jan 2020
18 Mar 2026, 18:58
Request for Removal of Incorrect Credit Listing – Returned Device Within Cooling-Off Period
Good Day, I am writing to formally dispute the account that has been reported on my credit profile. The device linked to this account was returned within the required 7-day cooling-off period after my employment contract was cancelled and I could no longer afford the agreement due to the high interest. The device was returned to the sales consultant in good condition and without any damage. Based on your company’s policy, a contract cancelled within seven days should not be billed or sent to collections. It is therefore unclear on what basis this account was handed over to debt collectors and listed on my credit record. I no longer have the device, and I cannot be held liable for a contract that was cancelled and reversed within the permitted timeframe. I kindly request that this account be removed from my credit report with immediate effect and that written confirmation be provided once this has been done. Your prompt assistance in resolving this matter will be greatly appreciated. Kind regards, Xolile Manzini Reference number PAYJOY261110
0
Replies (0)V
Vanessa
1 reviews | Active since Jan 2020
13 Mar 2026, 07:58
Payment
I took out a phn at Payjoy,the consultant helping me assured me i was on a monthly contract as i told the consultant i was a pensioner who only has money at pension time,but after i got my phn i was sent reminders to pay weekly. I really need to be connected and has to borrow to keep my phn on otherwise if i dont pay the weekly my phn will be locked. The next pay date is the 19th March which means i will have to borrow again. I called customer support and was told to pay a months instalment with my next payment ,only then can i pay monthly. But i dont have R481 until the 02/04/2026 which is pension. I really am in a dillema.
Helpful (0)
|Replies (0)V
Vanessa
1 reviews | Active since Jan 2020
13 Mar 2026, 07:58
Payment
I took out a phn at Payjoy,the consultant helping me assured me i was on a monthly contract as i told the consultant i was a pensioner who only has money at pension time,but after i got my phn i was sent reminders to pay weekly. I really need to be connected and has to borrow to keep my phn on otherwise if i dont pay the weekly my phn will be locked. The next pay date is the 19th March which means i will have to borrow again. I called customer support and was told to pay a months instalment with my next payment ,only then can i pay monthly. But i dont have R481 until the 02/04/2026 which is pension. I really am in a dillema.
0
Replies (0)D
David
1 reviews | Active since Jan 2020
12 Mar 2026, 16:14
Untrained *********** staff payjoy
I went to payjoy for a new phone and by the salesman I was told this is a monthly payment structure so I agree on that. So I was applying for a new Samsung A36 and after a while I was told that the A36 is out of stock butt he can give me the A26 with a very hard decision the salesman sed to me its actually the same as the A36 screen size is a bid smaller butt when I got the phone and via Google the A36 and A26 screen size us the same so he managed to sell the phone at me butt here comes the catch after the deal was done he told me that I must pay in 7days time R258 or the phone will be blocked With numerous calls and emails I managed to get hold of one of the ladies in head office and I spoke to her about the storie of the payment plan then she told me ser you can make the nesserly payment with my salary pay date now when I go into the app there is a message that say I have 2hours left to make the payment of R258 or the phone will be locked so what kind of company is this sells a phone at you and its the wrong phone and wrong information given to you is going to lock the phone this is dew to untrained un *********** staff that selling phones with *** information
Helpful (0)
|Replies (0)D
David
1 reviews | Active since Jan 2020
12 Mar 2026, 16:14
Untrained *********** staff payjoy
I went to payjoy for a new phone and by the salesman I was told this is a monthly payment structure so I agree on that. So I was applying for a new Samsung A36 and after a while I was told that the A36 is out of stock butt he can give me the A26 with a very hard decision the salesman sed to me its actually the same as the A36 screen size is a bid smaller butt when I got the phone and via Google the A36 and A26 screen size us the same so he managed to sell the phone at me butt here comes the catch after the deal was done he told me that I must pay in 7days time R258 or the phone will be blocked With numerous calls and emails I managed to get hold of one of the ladies in head office and I spoke to her about the storie of the payment plan then she told me ser you can make the nesserly payment with my salary pay date now when I go into the app there is a message that say I have 2hours left to make the payment of R258 or the phone will be locked so what kind of company is this sells a phone at you and its the wrong phone and wrong information given to you is going to lock the phone this is dew to untrained un *********** staff that selling phones with *** information
0
Replies (0)AS
Amogelang S
1 reviews | Active since Jan 2020
11 Mar 2026, 11:59
Outstanding service
Your help is on high standards , I really love you payjoy , you're the best
Helpful (0)
|Replies (0)AS
Amogelang S
1 reviews | Active since Jan 2020
11 Mar 2026, 11:59
Outstanding service
Your help is on high standards , I really love you payjoy , you're the best
0
Replies (0)TS
Tomelo S
1 reviews | Active since Jan 2020
10 Mar 2026, 13:53
Pathetic Service
what a joke, the service from these people is shocking, for the past 2 days i am applying for a phone online, each text i send on whatsapp is responded to after 3 hours , i am on day 2 now , "we will send you a link that expires in 15 minutes" the link has been on the way since Monday, what a wow, why offer service online but you still cant help me, am opting online application because due to the nature of my job i cant go to the shops
Helpful (0)
|Replies (0)TS
Tomelo S
1 reviews | Active since Jan 2020
10 Mar 2026, 13:53
Pathetic Service
what a joke, the service from these people is shocking, for the past 2 days i am applying for a phone online, each text i send on whatsapp is responded to after 3 hours , i am on day 2 now , "we will send you a link that expires in 15 minutes" the link has been on the way since Monday, what a wow, why offer service online but you still cant help me, am opting online application because due to the nature of my job i cant go to the shops
0
Replies (0)