Skip to main content
All integrations
PayFlex

PayFlex

About

PayFlex is South Africa's leading interest-free Buy Now, Pay Later platform, letting consumers split purchases into equal installments with no fees or added interest. It is the country's most established and widely recognized BNPL brand among online shoppers.

Why businesses choose this provider

As South Africa's most trusted BNPL brand, PayFlex's interest-free installment experience drives strong conversion among local consumers, particularly those who prefer spreading costs without incurring extra charges or complexity at checkout.

Connect
Type
Buy Now, Pay Later
Products
Orchestration
Status
Live
Coverage
Africa
Payment methods
PayFlex
Processing capabilities
Authorize with Capture (Instant Capture)NotificationsPartial RefundRefund

Getting started

Onboard to Payrails

Talk to our team to set up your Payrails account and complete onboarding.

Add a provider

Add your provider account details and credentials to establish a secure connection.

Enable and go live

Enable your payment methods, run test transactions, and go live.

Explore other integrations

Tabby

Tabby

Buy Now, Pay Later
Live
Tabby is one of the two largest BNPL shopping apps in the Middle East, offering pay-later and installment options to millions of regional consumers. It combines flexible financing with a consumer marketplace that drives shopping discovery across the GCC.
Africa · Middle East
Orchestration
PayJustNow

PayJustNow

Buy Now, Pay Later
Live
PayJustNow is a South African BNPL platform focused on apparel and lifestyle retail. Its mobile-first app is built to engage younger consumers, combining installment payment options with a high-engagement shopping discovery experience for digital-native shoppers.
Africa
Orchestration
Tamara

Tamara

Buy Now, Pay Later
Live
Tamara is a Saudi-founded BNPL unicorn with deep roots in the Kingdom's retail ecosystem. It offers buy-now-pay-later across both physical and digital channels, with strong partnerships across the region's leading retail brands throughout the GCC.
Africa · Middle East
Orchestration
Aplazo

Aplazo

Buy Now, Pay Later
Live
Aplazo is a Buy Now, Pay Later platform built exclusively for the Mexican market, offering bi-weekly installment plans tailored to local consumer habits. It accepts bank accounts and debit cards, targeting underserved retail shoppers without access to traditional credit.
Latin America
Orchestration
Kueski

Kueski

Buy Now, Pay Later
Live
Kueski is a Mexican fintech lender providing instant credit at checkout for consumers without traditional bank accounts or credit cards. Operating exclusively in Mexico under the Kueski Pay brand, it targets the country's large and growing underbanked consumer population.
Latin America
Orchestration
Klarna

Klarna

Buy Now, Pay Later
Live
Klarna is a global BNPL leader offering pay later, pay now, and installment financing through a widely used consumer shopping app. With over 150 million active users worldwide, it is one of the most recognized and trusted flexible payment brands at checkout.
Global
Chargeback ManagementFee Monitoring+3

Turn payments into profits

Grow smarter with AI-native payment optimization. Get a walkthrough tailored to your business, markets, and stack.

Get in touch