FlexiPay is a complete, enterprise-grade Buy Now Pay Later (BNPL) platform that enables merchants and financial institutions to offer customers the flexibility to spread the cost of purchases over time. Designed for scale, FlexiPay handles the full payment lifecycle — from real-time credit assessment and plan creation at the point of sale, through to repayment management and collections. By reducing friction at checkout and providing transparent, flexible payment options, FlexiPay helps merchants increase conversion rates, grow average order values, and reach new customer segments, all while maintaining rigorous risk controls.
FlexiPay’s architecture is designed for high availability, security, and the ability to process a large volume of transactions in real-time. A Merchant Integration Layer provides SDKs and APIs for seamless integration with e-commerce platforms and physical point-of-sale systems. The BNPL Engine is the core of the platform, responsible for creating and managing payment plans, calculating interest and fees, and orchestrating repayment schedules. An AI-powered Risk Scoring Service assesses the creditworthiness of each customer in milliseconds, using a combination of internal behavioural data and third-party bureau data. A fully PCI-DSS compliant Payment Gateway processes all financial transactions securely. Customers interact with the platform through a self-service Customer Portal, while merchants gain visibility through a real-time Analytics Dashboard.
Offers a configurable range of payment plan options, including interest-free instalments and longer-term financing, tailored to the merchant's product range and customer base.
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