FlexPay is a free Android application developed by FlexiTech Group Limited, which offers a unique "Save Now, Buy Later" (SNBL) experience. This merchant-embedded saving-based purchase platform is the first of its kind in Africa. It provides a credit-free option that rewards customers for saving across multiple verticals, which ultimately increases the affordability of products and services while building positive financial habits.

FlexPay has flipped the BNPL (Buy Now, Pay Later) model on its head by providing a credit-free option that encourages users to save money towards their desired purchases. The app is easy to use, and users can browse the available products and services, select the ones they want to purchase, and start saving towards them. With FlexPay, users can make their purchases without incurring any debt, which is a significant advantage over traditional credit-based payment options.