• Happy Pay enables users to split purchases into two salary-based payments without interest or upfront fees.

• The company positions its solution as a tool to increase merchants’ basket size and conversion rates.

• The firm allocates 1% of its fees to environmental initiatives, including Spekboom planting in South Africa.

Wesley Billett promotes a straightforward approach to payments while advancing a clear objective: he aims to help salaried workers purchase goods without incurring debt while simultaneously improving merchant performance.

He co-founded and leads Happy Pay, a platform that allows consumers to complete purchases instantly and spread payments across two salaries without requiring a deposit or charging interest.

Founded in 2021, Happy Pay allows users to divide a purchase into two equal installments deducted from their next two paychecks. The platform delivers products immediately after purchase. However, it requires customers to pay only part of the total cost upfront. It does not charge additional fees as long as users meet repayment deadlines.

Happy Pay also positions its model as a growth driver for merchants. The company states that it helps businesses increase average basket size and improve conversion rates by offering customers a more flexible payment option. Therefore, the company seeks to build a balanced ecosystem in which both buyers and sellers benefit from the same financial solution.

Happy Pay allocates part of its revenue to environmental initiatives. Specifically, it directs 1% of its fees toward funding Spekboom planting projects in South Africa.

In parallel, Wesley Billett operates as an investment partner at Equitable Ventures, a venture capital firm that focuses on financing innovative fintech startups across Africa. In 2023, he also co-founded Snap, a digital platform that connects fast-moving consumer goods brands with retailers in real time.

This article was initially published in French by Melchior Koba

Adapted in English by Ange J.A de Berry Quenum