FlexPay

FlexPay is Sri Lanka’s first locally built Buy Now, Pay Later (BNPL) platform, designed to reshape how consumers access credit and how merchants grow their businesses. We empower users to make purchases and pay in 4 flexible, interest-free installments over 4 months — a game-changing alternative to credit cards or payday loans. Whether shopping online or in-store, customers enjoy a seamless, affordable payment experience without hidden fees. For merchants, FlexPay unlocks higher conversions and immediate cash flow. We pay upfront on each transaction, charge lower commission rates, and offer direct integration to over 3,500+ merchants via our payment gateway partner network. Our platform includes tools for spend tracking, customer insights, and voucher-based loyalty rewards. What sets us apart is our focus on underserved consumers and merchant-first flexibility — with unique, market-first features such as: -In-store QR code payments -Group BNPL (split with friends/family) -Parent-child linked accounts -Emergency credit boosts for FlexPro users -Mood-based spending controls -Custom credit limit growth with repayment behavior Security and compliance are core to our infrastructure. Every transaction is protected with real-time fraud detection, KYC/AML protocols, and dynamic credit scoring to ensure responsible lending at scale. With over 70% of Sri Lankans lacking access to formal credit, we’re not just offering a payment method — we’re building financial inclusion from the ground up. FlexPay is how Sri Lanka pays next. Join us as we scale across the island and into the region.