---
title: "Flexpay: Savings Goals and Pay Later Shopping"
description: "Save from KES 500 in Kenya, pay for partner-store items over up to 90 days, then withdraw to M-PESA or shop at 0% interest, no fees."
canonical_url: "https://liners.com/flexpay"
markdown_url: "https://liners.com/flexpay.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/flexpay/screenshot.webp?v=1773219476267"
published_at: "2026-03-11T13:34:42.271Z"
updated_at: "2026-10-06T18:07:59.379Z"
---

# Flexpay: Savings Goals and Pay Later Shopping

Save from KES 500 in Kenya, pay for partner-store items over up to 90 days, then withdraw to M-PESA or shop at 0% interest, no fees.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Flexpay](/flexpay)

## Summary

Save gradually and buy from partner stores at 0% interest

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.flexpay.co.ke/ |
| Tagline | Save gradually and buy from partner stores at 0% interest |
| Primary country | Kenya |
| Platforms | Web, Android, API |
| Average rating | 3 |
| Published reviews | 1 |
| Verified listing | No |

## About the product

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** (*384*30#); 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**.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Savings](/tags/savings): Product feature or technology
- [Kenya](/countries/kenya): Market

## Related pages

- [Alternatives](/flexpay/alternatives)
- [Reviews](/flexpay/reviews)
- [Transparency](/flexpay/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/flexpay)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)