How JPAY works
Sign up, shop with a virtual card, and pay in clear installments—interest shown before you buy.
1
Create your account
Link your details and get a quick eligibility check—soft credit pull only, no hard hit.
2
Use JPAY at checkout
Show your JPAY card online or in store and pick a plan that fits—4 payments or longer terms when offered.
3
Pay on schedule
Autopay keeps you on track. See every payment in the app—no surprise fees from JPAY.
Pay how you want,wherever you want
At checkout
Choose what works for your budget
You'll know exactly what you'll pay up front — no fine print, no surprises, no late fees.
See example plansPay in 4
$2,500 × 4 • 0% APR
6 months
$1,717/mo • 12% APR
12 months
$883/mo • 18% APR
0%
Fees from JPAY
300+
Merchant partners
4.8★
App rating
3–24
Month plans
Merchant networkShop hundreds of
Shop hundreds of
Jamaican merchants
From groceries to gadgets — if they partner with JPAY, you can split the cost.