No. LulamisaPay works entirely inside WhatsApp, the app you already have installed. There's nothing else to download or install.
Send a message to our WhatsApp Business number. You'll be greeted with a simple menu — pick what you'd like to pay and follow the prompts.
Only what's needed for the specific bill — for example a meter number for electricity, or a fine reference number for traffic fines. We never ask for more than that transaction requires.
LulamisaPay links your bill to your own Buy Now Pay Later account — the one you already use — so you can settle it now and pay it off through that provider. We're not a credit provider ourselves; we connect your bills to the BNPL service you already have, for the moments you're short on cash. Your repayment plan and terms are set by that provider.
Your installments are managed by your own BNPL provider under the plan you agreed with them — they handle reminders and repayments directly, just as they do when you use them anywhere else.
Repayments are between you and your BNPL provider, so a missed installment is handled under their terms — reach out to them directly. If you're unsure, contact us and we'll point you in the right direction.
It's available for electricity, traffic fines, and municipal bills. Airtime and data top-ups are paid in full, since they're usually small amounts delivered instantly.
Yes. Personal details like names, ID numbers and phone numbers are encrypted at rest, in line with POPIA. See our Privacy Policy for details.
Payments are routed through vetted, licensed payment partners — LulamisaPay never stores your card details directly.
Yes — every completed payment generates a downloadable invoice, sent straight to you in the chat.
Message us back in the same chat and we'll help sort it out, or reach us via the Contact page.
The payment flows themselves are available any time. For more complex queries, our support team responds during business hours.