A+ and Connect offer affordable retail credit options across Pepkor’s southern African retail brands.

Capfin provides unsecured loans through a hassle-free process, prioritising ethical and responsible lending practices for customer peace of mind.

Abacus Insurance offers tailored and affordable insurance solutions with personalised support, ensuring protection is within reach across Pepkor’s retail network.

FoneYam offers an affordable smartphone rental option at selected PEP and Ackermans stores. FoneYam keeps customers connected with a small initial payment, flexible monthly terms, and built-in software to protect the device if lost or stolen.

Flash leverages connectivity and smartphone access to extend reach beyond traditional retail, through a technology-driven B2B and B2C business focused on empowering informal market traders with smart technology solutions.
Flash provides affordable, safe access to virtual products like airtime, mobile data, prepaid electricity and more, supporting millions of transactions daily across Africa and Europe while expanding partnerships with global brands.

+more is a digital rewards platform designed to provide customers with exclusive savings, instant rewards and tailored offers across the group’s participating retail brands. Members benefit from deals on clothing, appliances, electronics and more, as well as chances to win weekly cash prizes. The programme is fully digital, allowing users to sign up via the app, website, WhatsApp or USSD, offering convenience and personalised rewards based on shopping habits​.