If you paid using PayJustNow, Payflex, or Happy Pay, your refund is processed through that same provider — not directly by Yellow Sub Trading. We can't refund a Buy Now, Pay Later purchase in cash, by EFT, or into a different bank account.
How it works
- You submit your return or cancellation request to us.
- We assess it against our Returns and Exchanges Policy.
- Once approved, we submit the refund instruction to your BNPL provider.
- The provider updates your payment plan and processes any refund due.
Keep paying your scheduled instalments until your provider confirms the refund or updates your payment plan — approval from us doesn't automatically stop your instalments. We're not responsible for late fees or account restrictions caused by stopping payments early.
PayJustNow
Once we approve your return, we submit the refund to PayJustNow. PayJustNow applies it to your remaining instalments first, working from the final instalment backwards. If the refund is more than what's still outstanding, the extra goes into your PayJustNow Wallet.
Wallet credit is managed under PayJustNow's own terms — we can't pay it directly into your bank account.
Payflex
Once approved, we send the refund request to Payflex, who apply it to your final outstanding instalment first and work backwards.
- Full refund: unpaid instalments are adjusted, and anything already paid is refunded where applicable.
- Partial refund, less than what's outstanding: your remaining payment plan is reduced.
- Partial refund, more than what's outstanding: your plan is settled and the difference goes into your Payflex Wallet.
Payflex Wallet balances can be cashed out to your nominated bank account (normal bank clearing times apply).
Happy Pay
Happy Pay adjusts your payment schedule only after receiving our refund instruction, applying it to the final instalment first and working backwards.
- Full refund: amount already paid is refunded, remaining schedule adjusted.
- Partial refund, less than outstanding: remaining instalments reduced.
- Partial refund, more than outstanding: schedule settled, difference refunded.
Where a cash refund is due, Happy Pay credits the card linked to the purchase — this can take up to 10 business days to reflect, depending on your bank. If it hasn't reflected within 5 working days of your refund confirmation email, contact Happy Pay support directly.
How long it takes
Our return assessment and your provider's refund processing are two separate steps. Once we've approved and submitted your refund, how long it takes to reflect depends on:
- Which provider you used
- Whether it's a full or partial refund
- Your remaining instalment balance
- Your bank or card provider's own processing time
Who to contact
- Return approval or refund instruction status → Yellow Sub Trading Customer Support
- Payment plan, wallet balance, bank withdrawal, or instalments → contact PayJustNow, Payflex, or Happy Pay directly through their official support channels
