Low disposable incomes limit the vast majority of Africans from purchasing essential goods and services outright. Additionally, consumers are being pushed towards the booming 'Buy Now, Pay Later' (BNPL)which are credit-driven models in the consumption ecosystem. These models are predatory, and unsustainable leading customers into debt cycles. This prevailing scenario highlights a critical problem: the lack of a credit-free solution alternative that promotes responsible spending habits and empowers individuals to make purchases without falling into debt traps.

At FlexPay, we recognized this gap and set out to revolutionize the way people pay and buy by introducing a merchant-embedded saving-based purchase experience called - Save Now Buy Later (SNBL). We believe that customers deserve a transparent and inclusive platform that not only bridges the affordability gap but also fosters financial responsibility. Our goal is to empower individuals with the ability to purchase essential goods and services without the burden of traditional credit models, offering them a sustainable and credit-free way to buy.

Through our merchant-embedded saving-based purchase experience, we enable customers to save up for their desired purchases, earn rewards, and pay over time. By combining technology, data-driven insights, and strategic partnerships with merchants, we are transforming the financial landscape, providing a solution that is accessible, flexible, and promotes responsible spending habits.