Pay in interest-free, monthly instalments using the available limit on your credit card.

Buy now.

Pay later.

No fees.

No interest.

No applications.

No credit checks.

How to Float

  • Select Float as your payment option at checkout.
  • Choose your number of instalments.
  • Complete your purchase like any other credit card transaction.

How it works

  • 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.

What is a "reserve"?

  • A reserve is a temporary hold against the credit you have available to spend on your credit card. It is not a charge and is completely interest-free.
  • The reserved amount is generally released back into your account after 7 days, but can take longer, depending on your bank.
  • This helps you to manage your cashflow and ensures you don’t overspend on your card.

Need clarity? Here’s an example!

R6 000 reserved

Between instalments

R4000 reserved


Between instalments

R2000 reserved


To learn more, please see the Shopper FAQ's