PayUp Payments vs Pay Flex
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PayUp Payments
This app enables merchants to offer a buy now, pay later option at checkout without needing POS integration. Shoppers can split purchases into three interest-free installments and receive their goods immediately.
- Offer Buy Now Pay Later at checkout
- No POS integration required
- Split payments into 3 interest-free installments
- Initiate transactions via QR code, email, or SMS
- Process refunds
- Extract daily cash ups
- Direct chat support
Read full descriptionHide full description
PayUp allows merchants to offer PayJustNow at check out with no POS integration. PayJustNow is a buy now, pay later service that offers shoppers split payments at checkout while getting their goods upfront. The purchase is split into 3 interest-free instalments. Key functionality includes: - Sign up consumers to PayJustNow - Initiate transactions via QR code, email or sms - Process refunds - Extract daily cash ups - Chat directly to our support centre PayJustNow is being used as a tender type in over 1500 stores across South Africa.
Pay Flex
Manage your employment on the go. Onboard, submit timesheets, upload documents, and view payslips. Receive notifications for contracts and processed timesheets.
- Worker onboarding
- Timesheet submission
- Document submission
- Payslip viewing
- Contract notifications
- Timesheet processing alerts
Read full descriptionHide full description
Pay Flex's mobile application allows users to take control of their employment. Workers have the ability to onboard, submit documentation, enter timesheets and view payslips / self-bills. Pay Flex will notify users when they have a contract to accept or decline, remind them to upload documents and let you know when timesheets have been processed.
Screenshots
Verdict
The clearest difference is rating: Pay Flex at 2.5 against PayUp Payments's 2.3. PayUp Payments's advantage is ratings volume (15 vs 2) and update cadence (every 3 months vs every 5 months). On price, ads, in-app purchases and monetization model there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Pay Flex holds the better App Store score, 2.5 against 2.3. That said, the two scores are not equally well evidenced: PayUp Payments has 15 ratings behind it against 2, so its average is the more settled of the two.
PayUp Payments ships an update every 3 months, Pay Flex every 5 months. The most recent releases landed on September 11, 2026 and June 2, 2026 respectively.
| Parameter | PayUp Payments | Pay Flex |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (15 ratings) | 2.5 (2 ratings) — better |
| Number of ratings | 15 — better | 2 |
| Update frequency | Every 3 months — better | Every 5 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.1 | 15.1 |
| Further details — not scored | ||
| Size | 46 MB | 65 MB |
| Age rating | 4+ | 4+ |
| Developer | PayJustNow | Encom International Ltd |
Customer experience
PayUp Payments
Pay Flex
In-app purchases
PayUp Payments
No in-app purchases
Pay Flex
No in-app purchases
