Payflex

Payflex is a South African Buy Now Pay Later (BNPL) platform that enables merchants to offer interest-free installment payment options to consumers. Shoppers can split purchases into up to four interest-free payments over six weeks, with the first payment made upfront. Payflex pays merchants the full purchase amount upfront (less a commission) and assumes all credit and fraud risk. The REST API supports hosted and embedded checkout flows, order lifecycle management, refunds, and merchant configuration retrieval.

Payflex publishes 4 APIs on the APIs.io network, including Authentication API, Configuration API, Orders API, and 1 more. Tagged areas include BNPL, Buy Now Pay Later, Payments, Installments, and South Africa.

The Payflex catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

Payflex’s developer surface includes authentication, support, engineering blog, GitHub presence, and 12 more developer resources.

🌐 Visit website 📡 Source on GitHub

45.8/100 developing ▼ -6.0 Agent 44/100 agent ready Full breakdown ↓
scored 2026-07-28 · rubric v0.6

AccessPaidSelf serve

4 APIs

BNPLBuy Now Pay LaterPaymentsInstallmentsSouth AfricaFintechE-commerce

Kin Score

Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6

Composite quality — 45.8/100 · developing

Contract Quality 18.4 / 25

Developer Ergonomics 3.5 / 20

Commercial Clarity 10.0 / 20

Operational Transparency 0.7 / 13

Governance 7.0 / 12

Discoverability 7.4 / 10

Agent readiness — 44/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/payflex: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 4

Individual APIs this provider publishes, each with its own machine-readable definition.

Rate Limits 1

Documented rate limits and quota policies.

Rate Limits

0 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

JSON Schema 5

Standalone JSON Schema definitions for this provider's data models.

Examples 7

Example request and response payloads for these APIs.

Scroll for all 7

Get Started 1

Portal, sign-up, and the first successful call

MerchantPortal

MerchantPortal

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Build 4

SDKs, sample code, and the tooling you integrate with

GitHub

GitHub

WooCommercePlugin

WooCommercePlugin

WooCommercePluginSource

WooCommercePluginSource

OpenCartExtension

OpenCartExtension

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 3

Properties that don't map to a standard resource type

MerchantHub

MerchantHub

MagentoModule

MagentoModule

PrestaShopModule

PrestaShopModule

Source (apis.yml)

name: Payflex
description: 'Payflex is a South African Buy Now Pay Later (BNPL) platform that enables merchants to offer interest-free installment
  payment options to consumers. Shoppers can split purchases into up to four interest-free payments over six weeks, with the
  first payment made upfront. Payflex pays merchants the full purchase amount upfront (less a commission) and assumes all
  credit and fraud risk. The REST API supports hosted and embedded checkout flows, order lifecycle management, refunds, and
  merchant configuration retrieval.

  '
accessModel:
  pricing: paid
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Paid · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://payflex.co.za/wp-content/uploads/2021/06/payflex-logo.png
tags:
- BNPL
- Buy Now Pay Later
- Payments
- Installments
- South Africa
- Fintech
- E-commerce
created: '2026-06-13'
modified: '2026-06-13'
url: https://raw.githubusercontent.com/api-evangelist/payflex/refs/heads/main/apis.yml
specificationVersion: '0.19'
apis:
- aid: payflex:payflex-authentication-api
  name: Payflex Authentication API
  description: OAuth2 client credentials token endpoint
  humanURL: https://docs.payflex.co.za/
  baseURL: https://api.payflex.co.za
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/payflex-authentication-api-openapi.yml
  - type: Documentation
    url: https://docs.payflex.co.za/
  - type: GettingStarted
    url: https://docs.payflex.co.za/docs/getting-started
  - type: Authentication
    url: https://docs.payflex.co.za/docs/getting-started
  - type: Plans
    url: https://raw.githubusercontent.com/api-evangelist/payflex/refs/heads/main/plans/plans.yml
  - type: RateLimits
    url: https://raw.githubusercontent.com/api-evangelist/payflex/refs/heads/main/rate-limits/rate-limits.yml
  - type: FinOps
    url: https://raw.githubusercontent.com/api-evangelist/payflex/refs/heads/main/finops/finops.yml
- aid: payflex:payflex-configuration-api
  name: Payflex Configuration API
  description: Retrieve merchant payment limits and settings
  humanURL: https://docs.payflex.co.za/
  baseURL: https://api.payflex.co.za
  tags:
  - Configuration
  properties:
  - type: OpenAPI
    url: openapi/payflex-configuration-api-openapi.yml
  - type: Documentation
    url: https://docs.payflex.co.za/
  - type: GettingStarted
    url: https://docs.payflex.co.za/docs/getting-started
  - type: Authentication
    url: https://docs.payflex.co.za/docs/getting-started
  - type: Plans
    url: https://raw.githubusercontent.com/api-evangelist/payflex/refs/heads/main/plans/plans.yml
  - type: RateLimits
    url: https://raw.githubusercontent.com/api-evangelist/payflex/refs/heads/main/rate-limits/rate-limits.yml
  - type: FinOps
    url: https://raw.githubusercontent.com/api-evangelist/payflex/refs/heads/main/finops/finops.yml
- aid: payflex:payflex-orders-api
  name: Payflex Orders API
  description: Create and manage BNPL payment orders
  humanURL: https://docs.payflex.co.za/
  baseURL: https://api.payflex.co.za
  tags:
  - Orders
  properties:
  - type: OpenAPI
    url: openapi/payflex-orders-api-openapi.yml
  - type: Documentation
    url: https://docs.payflex.co.za/
  - type: GettingStarted
    url: https://docs.payflex.co.za/docs/getting-started
  - type: Authentication
    url: https://docs.payflex.co.za/docs/getting-started
  - type: Plans
    url: https://raw.githubusercontent.com/api-evangelist/payflex/refs/heads/main/plans/plans.yml
  - type: RateLimits
    url: https://raw.githubusercontent.com/api-evangelist/payflex/refs/heads/main/rate-limits/rate-limits.yml
  - type: FinOps
    url: https://raw.githubusercontent.com/api-evangelist/payflex/refs/heads/main/finops/finops.yml
- aid: payflex:payflex-refunds-api
  name: Payflex Refunds API
  description: Initiate full or partial refunds on completed orders
  humanURL: https://docs.payflex.co.za/
  baseURL: https://api.payflex.co.za
  tags:
  - Refunds
  properties:
  - type: OpenAPI
    url: openapi/payflex-refunds-api-openapi.yml
  - type: Documentation
    url: https://docs.payflex.co.za/
  - type: GettingStarted
    url: https://docs.payflex.co.za/docs/getting-started
  - type: Authentication
    url: https://docs.payflex.co.za/docs/getting-started
  - type: Plans
    url: https://raw.githubusercontent.com/api-evangelist/payflex/refs/heads/main/plans/plans.yml
  - type: RateLimits
    url: https://raw.githubusercontent.com/api-evangelist/payflex/refs/heads/main/rate-limits/rate-limits.yml
  - type: FinOps
    url: https://raw.githubusercontent.com/api-evangelist/payflex/refs/heads/main/finops/finops.yml
common:
- type: AgenticAccess
  url: agentic-access/payflex-agentic-access.yml
- type: DomainSecurity
  url: security/payflex-domain-security.yml
- type: Authentication
  url: authentication/payflex-authentication.yml
- type: Website
  url: https://payflex.co.za/
- type: MerchantPortal
  url: https://merchant.payflex.co.za/login
- type: MerchantHub
  url: https://payflex.co.za/merchant/
- type: Support
  url: https://payflex.co.za/support/
- type: TermsOfService
  url: https://payflex.co.za/terms-conditions/
- type: PrivacyPolicy
  url: https://payflex.co.za/privacy-policy/
- type: Blog
  url: https://payflex.co.za/merchant-hub/
- type: GitHub
  url: https://github.com/PayFlexSA
- type: WooCommercePlugin
  url: https://wordpress.org/plugins/payflex-payment-gateway/
- type: WooCommercePluginSource
  url: https://github.com/PayFlexSA/payflex-woocommerce-plugin
- type: MagentoModule
  url: https://github.com/PayFlexSA/payflex-magento-2-4-module
- type: OpenCartExtension
  url: https://github.com/PayFlexSA/payflex-opencart-4-extension
- type: PrestaShopModule
  url: https://github.com/PayFlexSA/payflex-prestashop-8-module
maintainers:
- FN: API Evangelist
  email: info@apievangelist.com
  url: https://apievangelist.com