Happy Pay is a “Buy Now, Pay Later” platform.
Happy Pay is a South African-based technology company launched in 2021, that operates in the BNPL sector. The business provides their customers with equitable finance options that enhances their overall financial wellbeing, without negatively impacting their credit rating or overburdening them with debt. Happy Pay has built a forward compliant model that takes a customer’s credit score, and therefore their ability to pay back the installment, into consideration. This not only protects the company from potential defaults, but also benefits the consumer, who is charged no late fees.