No app to download. Just WhatsApp.

Pay your bills now,
settle up later.

LulamisaPay turns WhatsApp into your payment counter — electricity, traffic fines, airtime and more, with flexible Buy Now Pay Later plans that fit your payday.

See it in action Explore products
POPIA-compliant data handling
No new app to install
Use your existing BNPL account
Scan to chat with LulamisaPay on WhatsApp
Start right now

Scan to open WhatsApp

Point your camera at the code, or tap the button on your phone — no app to download, no forms to fill in.

Chat on WhatsApp

Built for the services you pay every month

Eskom Prepaid Traffic Fines Airtime & Data Municipal Bills Buy Now Pay Later
How it works

From "I need to pay" to "Done" in four taps

No registration forms, no new app. Everything happens inside the WhatsApp chat you already have.

1

Say hi on WhatsApp

Message our business number — no sign-up page, no downloads.

2

Pick what to pay

Electricity, a traffic fine, airtime or data — choose from a simple menu.

3

Choose your plan

Pay in full, or split it through the Buy Now Pay Later account you already have.

4

Get instant confirmation

Your token, receipt or invoice lands right back in the chat.

Why LulamisaPay

Designed around how South Africans actually pay

Use your own BNPL

Link the Buy Now Pay Later account you already have to split essential bills around your payday.

Bank-grade security

Personal data is encrypted at rest, and every payment is processed through vetted partners.

One chat, every bill

Electricity, fines, airtime and municipal accounts — combine the essentials you need to pay in a single conversation.

Always-on access

Pay anytime — there's no queue, no call centre, no office hours.

Digital receipts & invoices

Every transaction generates a downloadable invoice you can keep for your records.

No app, no friction

Built entirely on WhatsApp — the app over 90% of South Africans already use daily.

0%
WhatsApp-native experience
0
Services in one chat
0h
Invoice link validity
0
Availability
Trusted by everyday users

People pay bills with LulamisaPay because it just works

★★★★★

"I paid my electricity from a taxi rank with no data left on any banking app — just WhatsApp. Took two minutes."

TM
Thandi M.Soweto
★★★★★

"Split a traffic fine into three payments around payday. Didn't think that was even possible for fines."

SK
Sipho K.Durban
★★★★★

"My mom uses it to buy airtime for the whole family. She's not techy at all — WhatsApp made it easy for her."

NP
Nomvula P.Polokwane

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Ready to see it for yourself?

Walk through a full WhatsApp conversation — no real number needed.

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