Help Center

OnPay is a Buy Now, Pay Later (BNPL) platform tailored for employees, providing them with the opportunity to access essential goods and services while paying in flexible instalments. It is designed to offer financial flexibility without requiring traditional credit checks.

Employees get a spending limit. Once determined they can shop on our store and select a suitable repayment plan. There are no fees charged to the employee and repayment plans are between 2 - 6 months.

Employees have an option of repaying back between 2 and 4 months. On OnPay and 2 - 6 months on OnPay+.

If an employee leaves while they have an outstanding balance, OnPay will work directly with them to settle the remaining amount. We offer flexible repayment solutions to manage these situations.

OnPay offers a variety of essential items, including electronics, work equipment, healthcare services, and more. The specific options

available depend on the agreements with our partnered merchants.

No, OnPay does not require traditional credit checks. Eligibility and spending limits are determined based on the employee’s salary and

employment status, making the process quick and accessible for all staff members.

Credit Building with Every Purchase: Employees can build their credit score by making purchases through OnPay and consistently meeting payment deadlines.

Credit Monitoring Dashboard: Access a personalised dashboard where employees can monitor their credit score progress in real-time and gain insights on how to improve their score.

Smaller Payment Options: Employees can opt for smaller, more manageable payment plans, making it easier to keep up with payments and build their credit history.

Higher Spending Limit Over Time: As employees build their credit and demonstrate reliable payment behavior, they can unlock higher spending limits, giving them more purchasing power.

Access to Longer Repayment Terms: With OnPay+ employees benefit from extended payment schedules, offering increased flexibility to manage their finances and maintain a positive payment history.

Expedited Shipping: Employees will enjoy faster delivery times for their purchases, ensuring a swift and convenient shopping experience.

Every purchase made through OnPay+ is reported to credit bureaus, ensuring that employees’ positive payment history contributes to their credit score. This allows them to gradually build a better credit profile without traditional credit hurdles.

OnPay is a Buy Now, Pay Later (BNPL) platform tailored for employees, providing them with the opportunity toaccess essential goods and services while paying in flexible instalments. It is designed to offer financial flexibility

without requiring traditional credit checks

This service is exclusively available to employees whose employers have partnered with Perks & Co. Employees must have a payroll account with their employer.

Payments are automatically deducted from your paycheque in manageable installments, making it easy to budget for healthcare expenses.

No, there are no interest charges or hidden fees associated with this benefit. We only charge a once off admin fee.

If you leave your job, arrangements will be made to either collect the full amount from your current employer or we can continue your payment plan through your new employer. Contact our support team for assistance in transitioning your payment plan.

We can assist with payment plans for procedures or medical costs between R500 and R50,000, subject to your affordability.

With a monthly subscription, we report your timely payments to major credit bureaus, helping you build or improve your credit history effortlessly as you shop. This is an easy way to establish or enhance your credit profile while managing essential purchases.

In order to access the credit building feature, the employee will need to sign up for OnPay +. Once activated we will report all payments made to the major credit bureaus, helping employees build their credit score.

The subscription fee for OnPay+ is R49.99 per month. This fee gives employees access to all the exclusive features and tools available

under OnPay+ to help them build and monitor their credit.

OnPay+ is an enhanced subscription service offered through OnPay that allows employees to build their credit while enjoying exclusive perks. It’s designed to help employees manage their finances, track their credit, and access better spending options over time.

After your order gets approved, here’s what will happen:

1. Your order begins preparing for shipment as soon as we receive your first payroll payment on your next payday, with certain orders eligible for different shipping options upon setting up your payroll payment.

2. Tracking information will become available within the timeframe listed on your item’s product details page. For most items, tracking is available within 3-5 business days.

3. Once your order ships, delivery usually occurs within 5 - 7 business days of receiving tracking information, depending on your location and the carrier.

In the off chance that an item in your order goes out of stock between the time you place your order and the time we receive your first payroll payment, we’ll reach out to you directly via chat to let you know.

We’ll offer you a comparable alternative or an upgraded item that is in stock and available to ship immediately at no extra cost.

If you choose to cancel the unavailable item, we’ll remove the item cost from your order balance.

If you don’t have an outstanding balance when the item cost is removed from your order, any funds paid towards that item will be available as a cash balance that you can apply to a future order or withdraw at any time.

All items on the Level Store are covered under the manufacturer's warranty for the first year of purchase against manufacturer defects or workmanship errors.

Instead of relying on your credit history, we use current income information (i.e. an updated pay stub, net pay, etc.) to determine your custom Spending Limit. We do not pull or check your credit score in any way.

The more complete your Profile is, the more likely you are to be assigned the highest possible Spending Limit!

Improving your credit history is important to us. With OnPay+, we’ll report your payment history to all 3 credit bureaus and you’ll have the ability to boost your credit score.

Every order on Level must go through a review process. Once you submit an order, it gets sent to our Approvals Team for review. Most orders receive a decision within a few minutes, but the review process can take up to 1-2 business days. If there is an issue with your order, we’ll reach out.

Once your order is approved, we’ll let you know via email. Orders are typically processed for shipment after we receive your first payroll deduction payment on your next payday.

OnPay integrates with your payroll system to offer employees the ability to purchase products and services from partnered merchants, They can select the items they need and choose a suitable payment plan, with the installments automatically deducted from their salary over the agreed period.