What is Flexpay and how does it work?

Flexpay is a Kenyan fintech platform that enables a 'save now, buy later' model, allowing customers to reserve products at partner merchants and pay in flexible installments over time, typically up to 90 days or more, with no interest or extra charges. Customers create savings goals, make an initial deposit like KES 500, pay at their own pace via USSD, app, website, or merchants, and receive the product or withdraw funds upon completion. It offers products like FlexPay Goals for personal savings, FlexPay Chama for group savings, and Mama Prime for maternity care.

How much does Flexpay cost?

Flexpay is free for customers to use, with no interest or extra charges. Merchants pay Flexpay a 5% commission on sales processed through the platform.

What countries does Flexpay operate in?

Flexpay currently operates in Kenya. It plans to expand to Uganda and Nigeria.

How do I sign up for Flexpay?

You can sign up for Flexpay using USSD *384*30#, the Flexpay app, website at www.flexpay.co.ke, marketplace at www.marketplace.flexpay.co.ke, or at any partner merchant outlet or website. No documents are required, and everyone qualifies.

Does Flexpay have a mobile app?

Yes, Flexpay has a mobile app available for signup and use.

Who is Flexpay best suited for?

Flexpay is best suited for unbanked and underbanked individuals in Kenya who want to afford high-value goods, services, or savings goals like school fees, rent, or electronics without interest or credit checks.

How do I contact Flexpay support?

You can contact Flexpay support through USSD *384*30#, the app, website, or partner merchants.

Does Flexpay offer an API or integrations?

Yes, Flexpay offers online and offline payment gateway integrations for merchants, including as a checkout option.

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Flexpay: Funding, Reviews & Alternatives (2026) – Liners

Flexpay

🇰🇪 Kenya

A Kenya-based Save Now, Buy Later platform for consumers to set savings goals from KES 500, pay over time, then withdraw to M-PESA or shop partner merchants at 0% interest.

Available on:WebAndroidAPI

Visit 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 (account: booking reference).