Debt, on your terms.
See everything you owe in one place and pay it off on a monthly plan that fits your budget. And if you run a business — let your customers pay you the same way, automatically.
Take control of what you owe
Fines, e-tolls, municipal bills, store accounts and loans from family — one view, one plan.
See everything you owe For business & vendorsGet paid, every month
Give your customers a simple monthly way to pay you back — collection on autopilot, fully reconciled.
Explore BudgetPay for businessYour whole financial picture, live
No more logging into ten portals. BudgetPay pulls every balance into one calm dashboard — and shows you exactly how close you are to clear.
If you owe it, you can plan it
Bring the debts that pile up in real South African life into one place — then settle each on terms you choose.
Four steps to back in control
Set up in minutes. No paperwork, no judgment, no debt review — just a plan you can actually keep.
Verify it's you
A quick, secure KYC check confirms your identity — the same standard the banks use.
Add what you owe
Link or add each debt — fines, bills, accounts, a loan from family. See it all in one place.
Build your plan
Pick a monthly amount that fits your budget. We check affordability so it stays realistic.
Pay it off, automatically
One monthly debit, split across your debts. Watch every balance fall in real time.
Built for the people who pay — and the ones they pay
Pay off debt without the dread
A calm, honest way to take back control — on terms that respect your budget and your dignity.
- Every balance in one real-time view
- Plans from R450/month, no hidden fees
- Let family repay you through the app
- Missed a month? Adjust, don't default
Let customers pay you monthly
From municipalities to retailers to SMEs — offer flexible monthly payment and collect reliably, without chasing.
- Automated recurring collection & mandates
- Reconciliation & reporting built in
- Your own branded vendor workspace
- KYC & compliance handled for you
Bank-grade underneath. Human on top.
Money demands trust. BudgetPay is built to the standards regulators and partners expect — so customers and vendors can both relax.
Verified KYC
Every account is identity-verified before money moves — protecting customers and vendors alike.
Secure mandates
Debit arrangements are explicit, auditable and revocable. No surprise deductions, ever.
Encrypted & protected
Data is encrypted in transit and at rest, aligned with POPIA and South African financial regulation.
Real-time clarity
Every payment, balance and plan is visible the moment it changes. No hidden fees, no fine print.
Questions, answered
Does using BudgetPay affect my credit score?
What does it cost?
How does paying a friend or family member work?
I run a business. How do my customers pay me?
Is my information safe?
What if I miss a payment?
Take the first step today.
Join the South Africans turning scattered debt into a single plan they can keep — and the businesses getting paid, every month.