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