The Intelligent Foundation for Modern Payments

FlexPay is a next-generation digital payments platform that empowers businesses to build their own connected business payment ecosystem.

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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

FlexPay isn’t just a payments solution it’s a unified engine that helps businesses create seamless, trusted, and future-ready payment experiences.FlexMerchants serves as a unified merchant management system — built to manage payments, payouts, collections, and settlements effortlessly.

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.

Pay-In / Pay-Out Channels

DTone Digital Services

Advanced Security & Anti-Scam Controls

FlexPay is a next-generation digital payments platform that empowers businesses to build their own connected business payment ecosystem.

Core Backend Platform

Real-Time Settlement Engine

Risk, Audit & Compliance Console

Agent & Correspondent Management

Branch Teller Module

Mobile Application

Web Portal

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

When physical retail collapsed during the pandemic, local merchants struggled to regain customers without an online presence. Shop.com needed a fast, scalable way to bring small businesses into the digital economy.

FlexM deployed Connect, a fully digitized platform powered by FlexPay’s embedded payments platform and seamless payment api integration.

The solution enabled merchants to go online instantly offering loyalty programs, digital storefronts, and secure e-payment options through a unified business payment ecosystem.

Challenge

During the pandemic, migrant workers in Singapore struggled to send money home due to branch closures and physical remittance restrictions.

Challenge

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

Banks & Financial Institutions

Modernize retail, SME, and digital banking with wallets, real-time payments, and seamless customer journeys

Fintechs & Super Apps

Embed payments, wallets, loyalty, and value-added services through flexible payment api integration.

Retail & F&B Businesses

Enable fast in-store and online payments through QR, wallet, and account-based transactions.

On-Demand Platforms

Power instant payouts, scheduled disbursements, and in-app financial services for workers and partners.

Telecom & Digital Service Providers

Enable airtime, DTH, bill pay, and digital services directly within your business payment ecosystem.

Corporates & Enterprises

Digitize internal payments, reimbursements, procurement flows, and staff benefits through a single payments engine.

Marketplaces &E-Commerce Platforms

Unify collections, payouts, loyalty, and merchant onboarding within one embedded payments platform.

Launch Your Own Merchant Acquiring Solution Today

With FlexMerchants, organizations can go to market faster with a ready-to-deploy digital merchant acquiring platform that simplifies complexity, accelerates growth, and delivers a seamless experience for merchants and their customers.

FlexMerchants—
Your gateway to smarter merchant acquisition

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Reviving Singapore merchants during the pandemic with FlexM’s digitalised payment solutions for Shop.com

Jane Li

(Product and Affiliate Program Manager of Shop.com)

"The most exciting part of this program was cost-savings and the digital efficiency through the removal of physical devices, paper receipts to settlement automation which result in more savings for the merchants.”

Olson

(Owner of Olson Studio)
‍

“We can see that customers love the contactless and convenienceIt brings it just by tapping and paying using their phoneOur partnership with shop.com allows users to enjoy their cashback from transactionsIt helps to bring back more customers into the stores during the recovery period. We also appreciate the complete digital solution that requires no POS rental or receipt printing, resulting in cost savings and more eco-friendly approach.”

Payment Ecosystem

The Intelligent Foundation for Modern Payments

The Smarter Way to Build Your Digital Payment Ecosystem

Advanced Security & Anti-Scam Controls

One Platform. Infinite Payment Possibilities.

Digitizing Local Commerce for Shop.com During the Pandemic

Powering Every Business in Digital Payments

Launch Your Own Merchant Acquiring Solution Today

TESTMONIALS

Reviving Singapore merchants during the pandemic with FlexM’s digitalised payment solutions for Shop.com

Become the Superhero of your business. Adorn the FlexM Cape and Build your Masterpiece.

Become the Superhero of your business. Adorn the FlexM Cape and Build your Masterpiece.

Become the Superhero of your business. Adorn the FlexM Cape and Build your Masterpiece.

Become the Superhero of your business. Adorn the FlexM Cape and Build your Masterpiece.