Flexpay

Flexpay is a Save Now, Buy Later platform for consumers in Kenya who want to save gradually toward purchases and personal goals such as rent, school fees, emergencies, furniture, or electronics.

Key capabilities include:

• Savings goals from KES 500: users create a goal, activate it from as low as KES 500, and contribute at their own pace toward a target.
• Pay over a set period for merchant purchases: users select a product at a partner merchant, register (including self-registration), and make payments over up to 90 days, then use a completion message to check out.
• 0% interest and no extra charges: the service states it charges no interest and adds no additional fees, and it does not require documents to qualify.
• Flexible payout and redemption: users can withdraw to M-PESA or shop from partner merchants (examples listed include Naivas, Toolshack, Roto, Anchor Tech, Magunas, and Electromart). Payments can be made via PayBill 555699 (account: booking reference).

Available on Web, Android app, and USSD (38430#); access is also provided through a web marketplace and partner merchant outlets.

It targets individual consumers (B2C) who prefer saving-based purchases rather than borrowing.

Notable in Kenya for its merchant-embedded saving-and-purchase flow across partner stores, plus merchant enablement options such as API V2 documentation and a WooCommerce plugin.