Payflex

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.

  '
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:
- name: Payflex Merchant API
  description: 'REST API for integrating Payflex BNPL installment payments into e-commerce platforms. Supports order creation
    with hosted or embedded checkout flows, order status retrieval, full and partial refunds, merchant configuration retrieval,
    and OAuth2 client-credentials authentication. Merchants provide customer details, billing/shipping addresses, and order
    amounts; Payflex returns a redirect URL and order token to complete the payment flow.

    '
  image: https://payflex.co.za/wp-content/uploads/2021/06/payflex-logo.png
  humanURL: https://docs.payflex.co.za/
  baseURL: https://api.payflex.co.za
  tags:
  - Orders
  - Payments
  - Refunds
  - Merchant Configuration
  - Authentication
  properties:
  - 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
  - type: OpenAPI
    url: https://raw.githubusercontent.com/api-evangelist/payflex/refs/heads/main/openapi/openapi.yml
  contact:
  - FN: Payflex Merchant Support
    email: merchants@payflex.co.za
    url: https://payflex.co.za/support/
  environments:
  - name: Production
    url: https://api.payflex.co.za
  - name: Sandbox
    url: https://api.uat.payflex.co.za
common:
- 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