PAY SMARTER. LIVE EASIER.

Pay smarter.
Live easier.

FlexBuy splits any purchase into easy installments. Real credit, real terms, no traps. Built for the people who actually need it.

Get started
Contactless payment with a FlexBuy card at checkout Real credit, real terms, no traps
How it works

Three taps. Done.

01

Shop anywhere.

Browse your usual stores. At checkout, choose FlexBuy as your payment method.

02

Pick a plan.

Pay in 3, in 4, in 6, or over a year. We tell you the total upfront — no surprises.

03

Track in-app.

See every installment, pay early without fees, build credit as you go.

Two surfaces

For shoppers. For sellers.

Person shopping and paying at checkout
Customer app

Track every installment.

Loans, payments, virtual cards, identity verification, live support — all in one place. iOS + Android.

  • Real-time balance and upcoming installments
  • One-tap early repayment, no penalty
  • Biometric login + Face ID
  • Live chat with your support team
Shop owner at their counter reviewing payments
Merchant app

Sales, settlements, refunds.

See every transaction, manage refunds, watch settlements land. Built for the store owner, not the engineer.

  • Daily settlement to your bank
  • One-click refunds that reverse the installment plan
  • MDR + take-rate breakdown per order
  • Signed webhooks for your own systems
What's in the box

Everything a real BNPL needs.

Virtual cards

Stripe Issuing or your own. Single-use or reusable.

Payment links

Shareable BNPL checkout URLs. Sell on WhatsApp, Instagram, SMS — no website required.

Installment plans

Pay-in-3, Pay-in-4, 6-month, 12-month. Configurable per merchant.

KYC verification

Onfido, Smile ID, Prembly — or admin-reviewed.

Real-time payouts

Daily, weekly, monthly settlement to merchants. HMAC-signed webhooks.

Support that ships

Supoora live chat baked into the apps, web, and admin.

Branded end-to-end

Colors, copy, logo, font — one config file. White-label by design.

Ready when you are

Start in ten minutes.

Clone the repo, drop in your keys, run one install script. Sandbox is free across every provider.

Read the install guide