Questions, answered.
What is SETLA Payments?+
SETLA Payments is a flexible way to pay for eligible 4REGN and UNIK Labs orders. Apply once for a personal SETLA Pay Later spending limit, or use SETLA Laybuy on any order without needing approval. Manage every application, payment and order from your SETLA dashboard.
What's the difference between SETLA Pay Later and SETLA Laybuy?+
SETLA Pay Later requires an application and approval -- once you're approved for a personal limit, you can use it towards eligible orders. SETLA Laybuy needs no approval at all: you reserve your order and pay it off in instalments, and production begins once it's fully paid.
Am I eligible to apply?+
You need to be 18 or older with a valid South African ID number, a South African bank account in your own name, and be able to provide proof of address and recent bank statements. Approval and your personal spending limit are assessed individually and aren't guaranteed.
What documents do I need to apply?+
Your South African ID document, a live selfie, proof of residential address, proof of banking and a recent bank statement. The account-holder name on your banking documents should match the name on your ID.
Why do I need to take a live selfie?+
The live selfie is compared against your submitted ID document to confirm that it's really you applying, which helps us prevent fraudulent and duplicate applications. We only accept a live camera capture, not an uploaded photo, to keep this check meaningful.
How long does a review take?+
Our team reviews every application individually, including your identity, affordability and banking details. We'll email you and update your SETLA dashboard as soon as a decision is ready.
What happens if my application is declined?+
You'll be notified by email with the outcome. You can submit an appeal directly from your SETLA dashboard if you believe the decision should be reconsidered, or you're welcome to re-apply after your circumstances have changed. SETLA Laybuy remains available in the meantime.
Can my spending limit change after I'm approved?+
Yes. Your limit can be reviewed and adjusted over time, for example to reflect good repayment behaviour. Any change is confirmed by email and reflected immediately on your dashboard.
Is my personal information secure?+
Your ID document, selfie and banking documents are stored securely and are only ever accessed by our review team to assess your application -- they're never made public or shared beyond what's needed for that review.
How do I get help?+
Use the live chat from your SETLA dashboard's Support tab, or email support@uniklabs.co.za and our team will get back to you.
Still have a question?
Our team is happy to help with anything not covered here.