Payment And Security Policy

  1. Studio 88 is committed to providing secure online payment facilities.
  2. Payment for all Orders placed on the Studio 88 Online Store can be made via:

             2.1. Debit/Credit Card;

             2.2. Electronic funds transfer or direct deposit; and/or

             2.3. Secure Instant Deposit via PayGate (“SiD”).

             2.4. Revolving credit facility via Mobicred.

  1. All transactions are encrypted using the appropriate encryption technology.
  2. Credit/Debit Card transactions will be acquired for Studio 88 via PayGate (Pty) Ltd. PayGate uses the strictest form of encryption, namely Secure Socket Layer 3 (SSL3) and no card details are stored on the Studio 88 Website.
  3. All pages within our checkout process and areas containing Personal Information are secured using SSL (Secure Socket Layer) technology, which encrypts data between our computer and yours. No computer system is fully secure, however, and there are inherent risks associated with Internet transactions. To make sure your Internet browser is using the latest security features, you may want to download the most recent version of it, which should have full SSL support.
  4. In order to view PayGate's security certificate and security policies, please visit
  5. Studio 88 has no access to card details entered by the client on PayGate’s secure site.
  6. In addition to the full domain security provided by Studio 88, additional security is provided during the actual payment process when making payments. All in all, these security measures allow for smooth, safe transactions for you, our customer.
  7. The above payment options are explained in more detail in our Frequently Asked Questions (“FAQS”) which can be accessed on the Studio 88 Website, the terms of which are incorporated herein by reference.
  8. You may contact us via email at [email protected] or telephonically on +27 10 006 0888 to obtain a full record of your payment. We will also send you email communications about your order and payment.
  9. Once you have selected your payment method you will be directed to a link to the PayGate’s secure site for payment of the applicable purchase price for your Order.


Who is Mobicred?

Mobicred is a simple and convenient revolving credit facility that allows you to safely shop online with more than 4,000 online stores in South Africa. Your Mobicred account allows you to make one single monthly payment for all of your online spend. Open your account here.

Mobicred is an online revolving credit facility that allows you to spend and repay the amount in monthly instalments. The displayed monthly payment amount is indicative monthly pricing for 12 months at 21.25% interest per annum including a monthly fee but excludes a once-off account Initiation Fee. Please note the interest rate is subject to change. NCRCP38/FSP 44481

Mobicred Frequently Asked Questions

The password reset is done via the mobicred website on the log in details page. You will receive a temporary password via e-mail, you will need to click on submit tab when doing a password change.
Please ensure that you complete the application via the Mobicred website making sure the browser you are using is Google Chrome.
Please ensure that your application is activated before making any purchases.
These queries is dealt with by the merchant/online store where the purchase was made.
All additional payments take 24 to 48 hours to reflect on your account.
Once the merchant processes the refund, the funds will reflect on your Mobicred account immediately.
The statements are sent from a no reply email address and sometimes land in spam or junk mail folders.
You can apply directly via the mobicred website or by clicking on a mobicred banner featured on one of nearly 2,000 online stores accepting mobicred at checkout.
To open an account, you’ll need to meet the following criteria: - Have a valid South African ID number. - Have an existing valid bank account, a valid email address and a RICA’d mobile number. - Be at least 18 years of age. - Earn a minimum monthly salary of R5,500. - You may need to submit 3 months most recent bank statements or payslips.
Yes, approval of your application is subject to mobicred’s credit risk & affordability criteria, and in accordance with the National Credit Act “Responsible Lending” principles. If, for whatever reason, your application is declined, mobicred will inform you as to the main reasons for being declined.
You can purchase at any participating online retailer that offers mobicred as a payment option. Simply select Mobicred as a payment option within the checkout process.
The interest rate charged is 21.25% per annum in accordance with the interest rate permissible by the National Credit Act.
The interest rate on your account is an annual variable rate linked to the Repo Rate and will change in accordance with changes made by the South African Reserve Bank.
This is a fee for the opening and initiation of your agreement & mobicred account.
This is a monthly charge for the monthly administration and maintenance of your mobicred account, including statements and all ad-hoc correspondence.
This is a fee that is charged to accounts which are one or more payments in arrears.
This is a fee charged for debit orders that have been returned unsuccessful by your bank due to, for example, insufficient funds.
Monthly instalments, as reflected in the mobicred statement, will be deducted via Debit Order.
Your statement will be sent to you monthly via email.
You may change your banking details on the Mobicred website yourself, or contact mobicred via email at [email protected] or on 0860062733 to assist you.
You contact mobicred via email at [email protected] or on 0860062733 to assist you.