MoreTyme, the Buy Now, Pay Later (BNPL) facility from TymeBank, has grown substantially since its launch. In 2025 the service is accepted by dozens of major retailers, integrated with leading payment gateways, and continues to offer zero-interest, three-part instalments that appeal to cost-conscious South African consumers. This detailed review explains how MoreTyme works, where it can be used, and what advantages and potential drawbacks customers should consider.
How MoreTyme Works
- TymeBank account required
Customers must hold a TymeBank transactional account. Registration is free and may be completed in minutes via the TymeBank mobile application or website. - Activation inside the app
After opening the account, the customer activates the MoreTyme option in the “Shop” or “MoreTyme” section of the TymeBank application. - Three equal instalments
- First instalment: One-third of the purchase price is paid at the point of sale.
- Second instalment: One-third is debited automatically thirty days later.
- Third instalment: The final third is debited sixty days after the purchase.
All instalments are interest-free provided that payments are made on time.
- In-store checkout
In a physical shop, the customer selects MoreTyme at the till and scans a QR code generated by the merchant. The application confirms the payment schedule before authorisation. - Online checkout
For online purchases, the customer chooses MoreTyme at the payment stage and approves the transaction through the TymeBank application.
2025 Expansion Highlights
- Broader retail footprint
Originally piloted at The Foschini Group outlets, MoreTyme is now accepted at Pick n Pay, Cape Union Mart, Cellucity, Supa Quick, and many other national chains (full list below). - PayFast integration
The integration completed in late 2024 allows any e-commerce merchant that uses the PayFast gateway to offer MoreTyme automatically. Merchants receive the full amount upfront, while customers pay in three instalments as usual. - No interest, no service fees
Customers still pay no interest and no administrative fees when instalments are paid on schedule.
Advantages of MoreTyme
| Advantage | Explanation |
|---|---|
| Interest-free instalments | Purchases are divided into three equal payments without interest charges. |
| No service fees | The facility has no monthly fee or initiation cost. |
| Instant approval | TymeBank performs a quick affordability check inside the application; funds are available at once. |
| Wide acceptance | Accepted at more than sixty national chains and hundreds of PayFast-enabled online stores. |
| Merchant paid in full | Retailers receive immediate settlement, improving stock release and customer satisfaction. |
| Transparent repayment schedule | The application displays exact dates and amounts for the two future instalments. |
Potential Drawbacks
| Drawback | Explanation |
|---|---|
| Upfront payment required | A full one-third of the purchase value must be available immediately. |
| Late-payment penalties | Failure to pay an instalment on time triggers a default penalty fee plus weekly charges. |
| TymeBank account mandatory | Customers who bank elsewhere must open an additional account. |
| Limited instalment term | Repayment is capped at sixty days; other BNPL services sometimes allow longer terms. |
Full List of Major Retailers Accepting MoreTyme (2025)
- Groceries and General Merchandise
Pick n Pay, Pick n Pay Clothing - Fashion and Footwear
The Foschini Group stores (Foschini, Markham, Sportscene, Totalsports, Sneaker Factory, Exact, The Fix, @home, Archive, Relay Jeans, STERNs), Guess, Aldo, Pringle, Mr Price, SPCC, XKids, Old Khaki, Poetry, Tread + Miller, JAM, Subwear, Dynamic Vision Optometrists, NWJ Jewellery - Electronics and Mobile
Cellucity, WeFix, Galaxy & Co - Jewellery and Accessories
American Swiss, STERNs, NWJ Jewellery, Galaxy & Co - Home and Décor
@home, Discount Décor, NetDécor, ElevenPast - Sports and Outdoor
Cape Union Mart, Totalsports, Sportscene, Ace Sports Distribution, Racketlon SA, Cape Coffee Beans - Automotive and Services
Supa Quick, Car Service City - Pet and Specialist Retail
Canine & Co, Hydroponic.co.za, Dermal Health - E-Commerce and Deal Platforms
Raru, Epic Deals, Pollywog, Green & Richards, Delbro
Note: Availability may vary by branch or franchise. Always confirm acceptance before attempting checkout.
Comparison with Other BNPL Services in South Africa
| Feature | MoreTyme (TymeBank) | PayJustNow | Payflex | Mobicred (credit line) |
|---|---|---|---|---|
| Interest | 0% if paid on time | 0% | 0% | Interest applies |
| Instalments | 3 payments over 2 months | 3 payments | 4 payments | Flexible monthly line |
| Upfront payment | 33% | 34% | 25% | None (credit facility) |
| Bank account required | TymeBank only | Any | Any | Any |
| Late fees | Default fee plus weekly charges | Late fees | Late fees | Interest and penalties |
| Merchant payout | Paid in full immediately | Paid in full | Paid in full | Paid in full |
Responsible Use Tips
- Budget the instalments
Ensure that the next two payments will not clash with other debit orders. - Monitor notifications
TymeBank sends reminders before each instalment; keep notifications enabled to avoid late fees. - Review affordability
Although MoreTyme has no interest, buying beyond your means can still cause overdrafts or failed debits. - Use for planned purchases
Apply MoreTyme for essential or pre-planned spending rather than impulse buying.
Conclusion
MoreTyme has matured into one of South Africa’s leading Buy Now, Pay Later platforms. Its interest-free three-part repayment model, rapid approval, and extensive retail network make it highly attractive for budget-conscious shoppers. The integration with PayFast expands its reach to countless online merchants, while the absence of service fees keeps the product transparent and predictable. Customers should, however, remember that missed payments trigger penalties, and the mandatory one-third upfront contribution might not suit every cash flow situation. Used responsibly, MoreTyme is a versatile tool that can smooth short-term spending and increase purchasing power without traditional credit card costs.
Key Data at a Glance
- Minimum upfront payment: 33 percent of purchase value
- Remaining tenure: Two instalments at thirty-day intervals
- Interest: Zero (if instalments are settled on time)
- Penalty fee: Default fee plus weekly charges
- Required account: TymeBank transactional account
- Acceptance points: Sixty plus national chains and PayFast-enabled online stores
