Buy now.

Pay way later.

Choose Float at checkout to split credit card purchases into bite-size monthly payments.

Works with any Visa or Mastercard credit card.

How Float works

Float takes your
credit card further

Like a budget facility, but interest-free. Always.

Float works with any existing Visa or Mastercard credit card

Buy now.​
Pay way later.

Get your purchase today and use the available limit on your credit card to pay in up to 24 interest-free, fee-free monthly instalments.

Zero interest.
Zero fees.

It’s all the perks of your credit card, but none of the cons. No interest, no fees, no extra credit – and no catch. Just shopping joy on your terms.

No applications.
No credit checks.

It’s your credit already, so there are no applications or credit checks. The cherry on top? You continue to earn your reward points.

Merchants

Where to Float

Shop thousands of products across furniture, sports equipment, luxury fashion and so much more.

Electronics & Appliances
A white Nintendo game player
Fashion & Footwear
Partisan & Co K-swizz sneakers
Fashion & Footwear
A pair of olive green palladium boots on a rock
Fashion & Footwear
A man wearing a brown oxford jacket and t-shirt from Ben Sherman
Leisure, Sports & Hobbies
A cool black guy wearing a bright blue K-Way jacket and black backpack standing with his bicycle outside a glass building
Fashion & Footwear
A couple wearing matching blue stripped shirts and chinos from Old Khaki.
Fashion & Footwear
A black bald lady wearing a beautiful summer dress in a green print
Furniture & Homeware
A marble side table from Poetry Living
Electronics & Appliances
A slick grey Samsung phone sitting on a wooden table
Quick and easy

Paying later
with Float

It's as quick and easy as a regular credit card purchase. No sign up required – just shopping joy on your terms.

  • Online
  • In Store
01
Step 01 Finish
Choose Float as your payment method.
02
Step 02 Finish
Choose your number of instalments.
03
Step 03 Finish
Enter your credit details and Float it.
04
Step 04 Finish
Hooray! You’re paying later with Float.
Step 01
Step 02
Step 03
Step 04
01
Step 01
Scan the QR Code at checkout
02
Step 02
Add your purchase and personal details
03
Step 03
Choose your number of installments
04
Step 04
Enter your credit card details
05
Step 05
Hooray! You’re paying later with Float.
Step 01
Step 02
Step 03
Step 04
Step 05
bigger, better, smarter

What makes
Float unique

Bigger
Orders

Float is the most no-brainer way to pay for big purchases using your credit card. As long as you have the available credit on your card, you can split that big order into bite-sized payments.

Flexible
​Instalments​

Float let’s you choose the number of interest-free, monthly instalments that suits you, giving you all the time in the world to manage your credit card payments.

No
New​ Credit

Unlike other financing options, Float does not issue you with any new credit. We simply help you use your existing credit in a smarter way. It’s all the perks of your credit card, but none of the cons.

Pure pay later
joy with your
credit card.

All the time in the world to pay.

None of the extra interest.

Need help?

Frequently Asked
Questions

Any questions not answered by our Frequently Asked Questions? Contact us for more help.

What is Float?
What is Float?

Float is a checkout payment solution that enables shoppers to split purchases into interest-free, fee-free monthly instalments using their existing Visa or Mastercard credit card, without any application or credit check.

Think of it like an interest-free ‘budget facility’ – shoppers get to enjoy their purchases today and pay for them over time and they don’t take out any extra debt to do so, either.

What are the benefits of using Float?

With Float, you can enjoy your purchases today and pay for them over time, interest-free and fee-free, without incurring any new debt.

Float helps you to manage your cashflow by only charging your credit card for a single interest-free instalment each month, as opposed to charging you the full amount up-front like a regular credit card transaction. In short – we buy you all the time in the world to settle your credit card balance. This is especially useful for those BIG value purchases.

The cherry on top? You still get all your rewards points for using your credit card!

Is Float secure to use?

Yes – Keeping your information secure is a top priority for us.

Float uses a PCI DSS Level 1 certified processor (the highest level of credit card data security standards) to handle your credit card data. This means we never store your credit card details and they always remain safely and securely encrypted. Float also makes use of 3D Secure to approve your initial payment authorisation, for an added level of security.

We also fully comply with POPIA in how we handle your personal information. For full details of our Privacy Policy click here.

How Float Works
How does Float work for shoppers?

At the time of purchase, Float temporarily “reserves” the full amount on your credit card, but only charges you the first interest-free instalment. The remaining instalments are charged on the same day each month. In between each instalment, a new temporary “reserve” is placed for the outstanding balance, until your purchase is completely repaid.

How do I use Float?

You can use Float in 3 easy steps. There is no application and no credit check.

  1. Select Float as your payment option at checkout.
  2. Choose your number of instalments.
  3. Enter your credit card details and Float it!
Do I need to fill out an application or register to use Float?

No – when you use Float to make a purchase, there is no application or registration whatsoever.

Because Float uses your existing credit card, we only require your credit card details and that you have the full amount of your purchase available on your credit card. Simple as that.

What is my spending limit?

Float does not impose any limits on the size of purchases – we simply work within the available limit on your credit card. The bigger your available limit, the bigger the purchase you can make!

However, some merchants set their own maximum purchase value for Float transactions. Please contact them directly if you’d like to make a purchase larger than their maximum purchase value.

Which credit cards can I use with Float?

Float works with any Visa or Mastercard credit card. As with any other credit card purchase, you need to ensure that you have the full purchase amount available on your credit card.

Can I pay with a debit card?

No. Float only accepts Visa and Mastercard credit cards with the full purchase amount available in your balance.