Increase sales and improve shopper satisfaction.

Payflex is a financial product that seamlessly integrates with your online store. We empower shoppers to get what they want now and pay later. No interest. No fees. No hassle.

No interest. No fees. No hassle.


Boost your sales

Customers spend more today, with a payflex free spending plan that spreads the cost of the purchase over 6-weeks.


Reduce abandoned carts

Payflex makes it super-simple for customers’ to check-out with a 1-click payment process that will significantly reduce abandoned carts.


Get paid upfront

We pay you upfront (less a commission), and collect from the customer. Payflex takes all the payment risk so you can focus on your business.

We want to partner with you over the long-term to improve your sales.

Let us leverage our experience to boost your sales through innovative products, marketing support and insightful analytics.


Marketing support

We have your back and offer full support from integrating payflex into your eCommerce store to ongoing marketing support.


Minimal admin

The payflex platform is designed with merchants in mind, and is automated and really simple to use. Our team is there to help you get going, and to support you with any queries – any time.


Online and in-store

We have existing integrations with many leading eCommerce platforms, and have developed an in-store product that will be available from early 2019.

Pay Now

Shoppers pay the full amount upfront

Reduce cart abandonment with 1-click checkout

We pay you in full upfront (less our commission)

Automated refund process through Merchant Portal

Pay Later

Shoppers spread the purchase over 6-weeks and spend more

Reduce abandoned carts with 1-click checkout

You get paid upfront in full (less our commission).

Automated refund process through Merchant Portal

Hassle-free integration into your platform.

Payflex was designed to seamlessly integrate with all major eCommerce platforms. We offer technical support and documentation to ensure integration is hassle-free for our merchants.

Become a payflex merchant today

Let payflex increase your sales with innovative payment products that have delivered results for thousands of merchants worldwide.

Become a payflex shopper today

Shop today and pay with payflex.
Buy now. Pay later. No additional cost.

Why work with Payflex?

We are a South African owned and operated business, made up of a team experienced in consumer finance, technology, customer service and marketing. We are deeply passionate about delivering more transparent and customer-centric finance products to make life better for both our Merchant partners and their Customers.

Market leading ID and Credit Validation

We take Identity validation very seriously, and use a real-time Credit and ID Check as part of our Onboarding process. The process is still completed in minutes, but this rigour plus our proprietary decisioning logic supports prudent lending decisions so Customers are in the best position to make their repayments.

Low Default Fees

Further to the above, our model is based on Consumers paying their instalments on time and as part of our commitment to this, we have low default fees and a reasonable cap on the total default fees that can be charged.

An in-house development team with global reach

All our technology development is managed in-house and with our Platform being used across global markets including the US and New Zealand we will continue to evolve our technology and release new products and services to add more value.

Sign-up as a payflex merchant today. Boost you sales.

Need help getting things started?

Check out our Frequently Asked Questions section and get all the answers.

Read The Customer FAQs