How does the B2C Retail (R450/month) plan work?

Spiral Pay B2C Retail is a flat R450 per month operating suite for in-store and online retail merchants. It gives you unlimited payment links, multi-provider BNPL and card integrations, delinquent tracking, sub-user cashier accounts, and custom invoice branding with zero platform percentage fees.

How does PayFast recurring billing work?

We use PayFast, South Africa's trusted payment engine, to manage recurring monthly billing. When you sign up, you complete our 4-step onboarding and authorize the R450 monthly subscription via PayFast with your debit or credit card. Your subscription renews automatically every 30 days, and you can cancel anytime directly from your dashboard.

Can I sign up and start generating payment links right away?

Yes! The sign up and onboarding process takes less than 2 minutes. Once you configure your store details, select your payment providers, create your 5-digit PIN, and activate your PayFast subscription, your merchant dashboard is unlocked immediately.

What is the difference between B2C Retail and Enterprise B2B?

B2C Retail (R450/mo) is designed for direct-to-consumer businesses (boutiques, salons, repair shops, retail stores) accepting standard card and BNPL payments. Enterprise B2B is tailored for commercial suppliers, equipment vendors, and wholesalers who want to offer high-ticket commercial financing (R20,000 to R500,000+) through our multi-broker network.

What is 'Advanced Payment Stack Support' and how does it work?

Instead of waiting on hold or navigating complex technical support tickets with individual payment gateways and BNPL vendors, our team acts as your direct advocate and technical liaison. We assist in communications between your payment providers to query late payouts, resolve frozen funds, troubleshoot API errors, and streamline transaction reconciliation.

Which BNPL and payment portal providers are supported?

Spiral Pay connects seamlessly with all major BNPL providers (like Payflex and Float) and payment portals / gateways that offer API support. You retain your existing merchant accounts and payout settlements while enjoying a unified point-of-sale and tracking OS.

What is Delinquent Link & Invoice Management?

Included with B2C Retail, Delinquent Management tracks payment links and invoices that were abandoned or expired without payment. You get automated reminders, 1-click WhatsApp follow-ups, Haunted Links automated 7-day recovery emails, and penalty-free link cancellation.

How do sub-user accounts work for my employees and field teams?

With B2C Retail, you can create independent logins with unique 5-digit PINs for your cashiers, sales reps, and field technicians. You control exactly which pages they can access (e.g. only 'Create Pay Link' and 'Invoices'), preventing them from viewing sensitive business revenue, payout bank accounts, or system settings.

What kind of support is included with B2C Retail?

B2C Retail members receive dedicated WhatsApp and phone support 7 days a week (including weekends) to assist your team whenever your store is open for business.

Transparent Pricing · Zero Hidden Surprises

Predictable Pricing for
South African Merchants

Run your store on our flat B2C Retail suite at R450 / month with PayFast recurring billing, unlimited payment links, and sub-user employee accounts — or power high-ticket commercial quotes with Enterprise B2B broker financing.

Flat R450 / Month B2C Retail PayFast Recurring Billing Unlimited Payment Links

B2C Retail

Complete retail operating suite for in-store shops, boutiques, salons, and consumer merchants. Generate unlimited payment links, accept all BNPL & card readers, and manage cashier staff.

R450/ month

Billed monthly via PayFast · Cancel anytime

Automated PayFast Recurring Billing

0% platform percentage cuts · Keep 100% of your retail sales turnover.

Everything Included in B2C Retail:

Unlimited Payment Links & QR Codes:

Generate unlimited payment links and digital invoices every month with zero volume caps or link limits.

Multi-Provider BNPL & Card Gateways:

Seamlessly connects with all major BNPL providers (Payflex, Float) and payment portals with zero lock-in.

Delinquent Link & Invoice Recovery:

Track unpaid links, send 1-click WhatsApp follow-ups, and automate 7-day Haunted Link reminder recovery.

Sub-User Cashier PIN Logins:

Create individual logins with 5-digit PINs for sales reps and cashiers while hiding sensitive revenue and banking settings.

Custom Invoice Branding & Receipts:

High-resolution logo embeds, custom receipt color palettes, and professional printable tax invoices.

Advanced Payment Stack Support:

We act as your direct technical advocate with gateways to troubleshoot API issues and trace delayed disbursements.

Dedicated Support (7 Days a Week):

Direct WhatsApp & phone assistance including weekends when your store is busy and open.

Get Started with B2C Retail

Instant 4-step setup · PayFast recurring monthly subscription

Enterprise B2B

Tailored for high-ticket commercial suppliers, medical equipment distributors, and wholesalers. Offer business clients embedded financing and get paid upfront with zero credit risk.

Enterprise Capabilities:

Embedded B2B Purchase Financing:

Offer business clients flexible financing options on commercial orders up to R500,000+.

Multi-Broker Lending Directory:

Connect to vetted commercial credit providers (MCA & equipment loans) with instant eligibility matching.

100% Upfront Payout direct to Merchant:

Get paid in full upfront directly into your business bank account when the loan is approved.

Zero Underwriting or Debt Chasing Risk:

Financing partners absorb 100% of collection, credit risk, and default liabilities.

Custom Invoicing & ICD-10 Code Support:

Specialized billing engines for medical suppliers, diagnostic clinics, and commercial equipment.

Dedicated Broker Liaison Support:

Direct executive point of contact for complex commercial transactions and rapid underwriting escalation.

Explore Enterprise Solutions

Tailored broker integrations · White-glove onboarding

B2B Purchase Financing · Zero Risk

Spiral Pay Enterprise

High-Ticket Commercial Sales

Stop losing high-value B2B sales to cash-flow timing

Offer business clients flexible financing at checkout. Get paid upfront directly by vetted brokers, and carry zero credit or default risk.

Embedded B2B Financing on commercial equipment & quotes

Multi-Broker Directory (MCA & commercial term loans)

Faster Payment Turnaround direct to merchant bank account

Zero Underwriting Risk or debt chasing carried by merchant

Custom Invoicing & ICD-10 medical billing code support

Explore Enterprise Solutions Dedicated broker liaison & white-glove onboarding available.

Tax Invoice #B2B-PO920

Apex Engineering Works (Pty) Ltd

BROKER VERIFIED

Commercial Equipment OrderInvoice Total

Commercial Solar Inverter & Battery BankR 125,000.00

Merchant Payout (Upfront)

R 125,000.00

Faster Payment Time

Buyer Schedule

R 11,400 / mo

12 Mos Direct with Broker

0% Default Risk Carried by MerchantPOPIA Compliant

Interactive Cost Calculator

Compare Your Monthly Costs

Move the slider to compare typical 3.2% card gateway fees against Spiral Pay's flat R450/month B2C Retail operating plan.

Your Estimated Monthly Revenue

R 35 000,00

R5,000R25,000R50,000R100,000+

Typical Gateway Fees (~3.2%)

R 1 120,00 /mo

Typical percentage cuts (2.9%–3.5%) taken by traditional card processors.

Spiral Pay B2C Retail (Flat Rate)

R 450,00 /mo

Flat R450/month via PayFast with zero platform percentage fees.

Your Monthly Savings with Spiral

+R 670,00 /mo

Save R 8 040,00 / year with Spiral Pay's flat B2C Retail subscription!

Stop losing percentage cuts on your retail turnover. Keep 100% of your earnings.

Get Started with B2C Retail (R450/mo)

Side-by-Side Breakdown

Compare Features in Detail

Feature	B2C Retail (R450/mo)	Enterprise B2B
Pricing & Commitments
Monthly Fixed Fee	R450 / month	Custom / Volume-Based
Platform Transaction Fee	0% Platform Fee	0% Fee for Merchant
Billing Engine	PayFast Recurring Subscription	Custom Settlement & Invoiced
Contract Terms	Month-to-Month (Cancel Anytime)	Flexible Commercial Agreement
Link Creation & Retail Integrations
Monthly Payment Links & Invoices	Unlimited Links	Unlimited + Financing Quotes
All BNPL Providers Support (Payflex, Float)
Card Readers & Payment Portals
Split Payments & Deposit Links
Commercial Financing & Credit
Embedded B2B Purchase Financing	—	Up to R500,000+
Multi-Broker Lending Directory (MCA, Equipment)	—
100% Upfront Payout on Commercial Quotes	—
Merchant Underwriting & Default Risk	Standard Merchant Acquiring	0% Default Risk (Broker Borne)
Custom Invoicing & ICD-10 Medical Billing	—
Operations, Recovery & Staff
Delinquent Payment Tracking & Follow-ups
Haunted Links Automated 7-Day Recovery
Sub-User Staff Logins	Cashier & Sales Rep PIN Logins	Multi-Department Role Permissions
Custom Invoice Branding & Logos
Customer Support	Dedicated WhatsApp (7 Days/Week)	Dedicated Enterprise Broker Liaison
Action	Start B2C Retail	Explore Enterprise

Got Questions?

Frequently Asked Questions

Ready to Upgrade Your Payment Stack?

Launch your retail store with Spiral Pay B2C Retail at a flat R450/month with PayFast recurring billing — or speak with our team about Enterprise B2B commercial financing.

Get Started with B2C Retail (R450/mo)Explore Enterprise B2B Financing