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The Intelligent Foundation for Modern Payments
Designed to embed financial capabilities seamlessly into every customer journey, it helps organisations modernise operations and deliver secure, frictionless payment experiences.
With a scalable architecture that adapts to any market or model, FlexPay turns payments into a strategic advantage in a fast-moving digital world.
The Smarter Way to Build Your Digital Payment Ecosystem
Built on modern architecture and powered by flexible payment api integration, FlexPay gives organisations the freedom to innovate faster, scale confidently, and deliver secure, frictionless digital transactions at every touchpoint.
Purpose-Built for the Next Era of Payments
Scale
Design
Integration
Control
Designed for Every Payment Journey
- An infrastructure-light stored value ledger system that lets you do more.
- Supports contactless payments, reimbursements, and bill-splitting.
- Supports reward points, cash-backs, membership programs, expense reimbursement, split bills, and more.
- Wallet options: open loop, closed loop, reward points wallet, cashback wallet, customized wallet.
- Enables cashless, secure, and real-time payments through modern payment APIs integration
- Works across in-store and online channels seamlessly.
- Payments supported via QR codes, wallets, accounts, and cards.
- QR options include static, dynamic, branded, and unified schemes.
- Real-time and cost-effective local and international transfers.
- Peer-to-peer (P2P) transfers: send money, gifts, or points to another user within the ecosystem via phone number.
- Domestic transfers: send money to another financial or payment institution within the country.
- Boost engagement with an earn-and-burnrewards engine.
- Cashback, rebates, eVouchers, and eGiftcards included.
- eMembership cards enhance long-termcustomer loyalty.
- Loyalty strengthens brand affinity and increases revenue.
- A comprehensive platform built for master acquirers, departmental stores, marketplaces, and banks.
- Merchants can accept payment via QR, wallet, bank account, and cards.
- Digital KYB onboarding ensures compliantmerchant activation.
- Real-time transactions and on-demand settlement.
- Intuitive merchant mobile/web app.
- Local and international mobile top-up support across operators and regions.
- Supports DTH, prepaid, and digital service recharges.
- Country-specific operator catalogs with verified denominations.
- Real-time recharge confirmation and automated failure reversal flows.
- Access to a global bill payments, utilities, and digital services marketplace.
- Supports electricity, gas, TV, broadband, airtime, and international billers.
- Seamless integration of new services through embedded finance API.
- Real-time validation, payment confirmation, and service delivery.
- In-app ordering experience for restaurants andfood merchants.
- Browse menus, place orders, and pay through the FlexPay wallet.
- Integrated order tracking with merchant-side console.
- Ideal for super app ecosystems and lifestylepayment journeys.
- Connect to more than 100+ pay-in and pay-out channels globally.
- Includes bank transfers, credit/debit cards, and cash top-ups.
- Integrated seamlessly into the customer journey.
- Businesses can create unlimited agentcollection points.
Advanced Security & Anti-Scam Controls
One Platform. Infinite Payment Possibilities.
Core Payments Engine
Customer Mobile App
Business & Admin Web Portal
Merchant & Agent Management Console
Real-Time Settlement Engine
Risk, Audit & Compliance Centre
Digitizing Local Commerce for Shop.com During the Pandemic
FlexM deployed Connect, a fully digitized platform powered by FlexPay’s embedded payments platform and seamless payment api integration.
During the pandemic, migrant workers in Singapore struggled to send money home due to branch closures and physical remittance restrictions.
During the pandemic, migrant workers in Singapore struggled to send money home due to branch closures and physical remittance restrictions.
Powering Every Business in Digital Payments
Modernize retail, SME, and digital banking with wallets, real-time payments, and seamless customer journeys
Embed payments, wallets, loyalty, and value-added services through flexible payment api integration.
Enable fast in-store and online payments through QR, wallet, and account-based transactions.
Power instant payouts, scheduled disbursements, and in-app financial services for workers and partners.
Enable airtime, DTH, bill pay, and digital services directly within your business payment ecosystem.
Digitize internal payments, reimbursements, procurement flows, and staff benefits through a single payments engine.
Unify collections, payouts, loyalty, and merchant onboarding within one embedded payments platform.
Built for the Next Generation of Digital Payments
Unify collections, payouts, loyalty, and merchant onboarding within one embedded payments platform.
Integrate seamlessly into any product or workflow and activate new capabilities through flexible, composable components.
Operate with confidence through KYC, AML, monitoring, and risk controls integrated into the core platform.
Launch new payment flows, digital services, and revenue models in weeks not months.
Your app, your portal, your customer journey fully white-labeled and tailored to your business identity.
Expand confidently with FlexM’s footprint across key markets and access to diverse regional channels.
Build the Payment Ecosystem Your Business Deserves
