Help Center · FAQ
For BusinessesFor Shoppers

Flex-Pay answers — split by who's asking.

Shopper questions on approvals, plans and refunds live in one lane. Merchant questions on contracts, integration and competitive fit live in the other. Pick yours below.

By the numbers

Why both shoppers and merchants ask about Flex-Pay BNPL.

Shoppers
10–40%

More spend with BNPL vs. a credit card — because Pay-in-4 plans fit the basket, not the other way around.

Businesses
220+

BNPL lenders connected by end of 2022 through a single Flex-Pay contract (up from 70 in January 2022).

Both
69%

Of Millennials — and 42% of Gen Z — more likely to purchase items when a BNPL service is offered.

Pick your lane

Two audiences. One FAQ.

Flex-Pay is a gateway for shoppers and a growth layer for merchants — two very different jobs. Choose your lane below and we'll only show the answers relevant to you.

01 · Coverage

Coverage & lenders

Which BNPL lenders Flex-Pay routes to, in which markets, and how it grows.

02 · Onboarding

Onboarding & contracts

How a business signs up to Flex-Pay and the documents involved.

03 · Integration

Integration

What Flex-Pay needs from your engineering team to launch checkout.

04 · Competitive

Competitive positioning

How Flex-Pay compares to single-lender BNPL providers like Klarna and Affirm.

05 · Operations

Operations & support

Refunds, debt collection and how merchants get supported day-to-day.

Wrong lane?

Looking for the shopper side of Flex-Pay?

Switch over to the for shoppers FAQ for approvals, refunds and fees from a shopper's point of view.

Still have questions? Talk to a Flex-Pay specialist.

Whether you're a shopper trying to understand a plan, or a merchant sizing the BNPL opportunity — our team will walk you through it on a single call.