From Post to Cash-Back: The Payment Saver Plan Qualifying Journey, Step by Step

The Payment Saver Plan (PSP) is easiest to understand as a sequence. Each step has to happen, and each is checked before Car4Less makes its decision. Skip one and the journey stops, however well the others went. This article walks the sequence from the day you buy your car to the day Car4Less makes its determination on the cash-back, then shows three short examples of journeys that were completed, stalled or never qualified.

Everything below explains the plan; it does not extend it. Your written PSP agreement and the Terms & Conditions on car4less.co.za set the requirements, and they prevail if any example here seems to say something different.

Step 1 — the qualifying purchase

The journey starts with a Programme Car: a brand-new car at the Car4Less price plus the Payment Saver Plan, set out in a separate offer to purchase, financed exclusively through the Car4Less finance application and submitted to the major banks. Cash purchases are not permitted and private finance is not accepted. Once finance is approved and stock is available, delivery is arranged through the authorised national franchise dealer network. The PSP cost, which differs from deal to deal as determined by Car4Less, is incorporated into the financeable retail price, and you sign a written PSP agreement. Buying the car makes you eligible to participate. It does not, on its own, entitle you to any benefit.

Step 2 — participation you can prove

Next comes Post & Share: three approved posts a day on each platform — Facebook, Instagram, TikTok, YouTube and LinkedIn — every day of the week, and you join the prescribed groups. Every post is submitted to Car4Less for approval before it is published (by email for now); only approved, published posts count. No social media accounts yet? The Car4Less call centre will help you open them and get posting. Keep the evidence: posts that are deleted, edited beyond recognition or made private may not be verifiable, and unverifiable participation does not count.

Two habits keep participants on track. Use only approved content, never your own version of a claim about Car4Less, and never anything defamatory, deliberately misleading or maliciously negative, which the PSP agreement prohibits. And keep to the schedule, because irregular participation is treated as incomplete.

Step 3 — Shop & Save

The other part of the plan is Shop & Save, its verified-shopping requirement. You shop as normal at Checkers, Pick n Pay, Dis-Chem or Shoprite, pay the normal till price and upload the official till slip for verification. Shop & Save is not a separate programme with its own payment; it is one of the requirements for the plan's single cash-back. Notice what is not on the list: nobody has to buy a car because of your posts or your shopping.

Step 4 — verification and Car4Less's determination

Once the prescribed participation is complete, Car4Less verifies it: the posts and shares, the prescribed groups and the Shop & Save slips. The plan is all-or-nothing, so every requirement must be met in full. Car4Less then makes its final determination, in its sole discretion. Where it decides to pay, an ex gratia payment of up to R3 000 for that month is made into your Mastercard rewards card. Ex gratia means the payment is voluntary, and the participant has no recourse.

• The R3 000 Cash-Back page →

Three short examples

The examples are illustrative only and create no entitlement. They show the shape of a journey, not the outcome any particular person will get.

• Complete: a buyer joins the prescribed groups, publishes three approved posts a day on each of the five platforms every day and completes Shop & Save. Verification confirms each step, and Car4Less makes its determination on the cash-back. Nobody had to buy a car because of her posts.
• Incomplete: a buyer posts for two weeks, stops for a month, then resumes. Because participation was irregular, the requirements were not met in full and he should not expect to be considered, however close it came.
• Non-qualifying: a buyer completes every post but never uploads a Shop & Save till slip. One requirement was missed, so the all-or-nothing test is not met and no cash-back is considered.

What is not on the list

Notice what the journey does not include: nobody has to buy a car because of your posts, no customer has to be tracked back to you, and no delivery to anyone else has to happen. The journey above is the whole journey, which keeps the plan simple and within your control. If you want to see it drawn out, the diagrams hub has the journey, and the Shop & Save page covers the verified-shopping requirement in detail.

• Shop & Save — how it works →
• Diagrams & customer journeys →