How to Pay Payjoy With the Capitec App
November 17, 2025
So, you've got a PayJoy phone and you're wondering how to settle your bill using the Capitec app? It's actually a lot simpler than you might think. I remember the first time I had to do it, I was a bit confused, but once I figured it out, it became second nature. This guide will walk you through the process step-by-step, making it super easy for you to stay on top of your payments.
The short answer is that you need to add PayJoy as a beneficiary on your Capitec app. This allows you to make direct payments to them without any hassle. Once they're added, you can pay your bill anytime, anywhere, right from your phone.
Paying Your PayJoy Bill with Capitec
Here’s a simple guide to get you started:
1. Log into your Capitec App: Open the app and enter your PIN to log in.
2. Go to “Transact”: This is usually at the bottom of the screen.
3. Select “Payments”: You'll see a list of options, choose "Payments."
4. Add a Beneficiary: Tap on “Add Beneficiary” or the “+” icon.
5. Enter PayJoy’s Details: You'll need to enter PayJoy's banking details. You can find these on your PayJoy statement or on their website. It's super important to get these right, so double-check everything. I once made a typo in the account number and the payment bounced. It was a bit of a headache to sort out, so learn from my mistake!
6. Use Your PayJoy Account Number as a Reference: This is key! Your PayJoy account number is how they know the payment is from you.
7. Save the Beneficiary: Once you've entered all the details, save PayJoy as a beneficiary.
8. Make a Payment: Now that PayJoy is a beneficiary, you can make a payment. Go back to "Payments," select PayJoy from your list of beneficiaries, enter the amount you want to pay, and confirm the payment.
And that’s it! You’ve successfully paid your PayJoy bill using the Capitec app. I find it so convenient to be able to handle my bills this way, especially since I'm always on the go.
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