name: Payflex Merchant Plans
description: >
  Payflex does not publish fixed-tier pricing publicly. Merchant fees are
  negotiated based on transaction volume and business type. Payflex pays
  merchants the full purchase amount upfront less a commission, and collects
  installments from consumers directly, absorbing all credit and fraud risk.
  Merchants must apply and be onboarded by the Payflex merchant team to receive
  credentials (client_id and client_secret) for API access.
plans:
  - name: Standard Merchant
    description: >
      Default plan for merchants integrated via the Payflex Merchant API. Fee
      is calculated as a percentage of transaction volume; exact rate is
      negotiated during onboarding. No fixed monthly fee is published. Merchants
      receive same-day or next-business-day settlement of the full order value
      less the applicable commission.
    features:
      - Hosted Checkout (redirect flow)
      - Embedded Checkout (on-site iFrame flow)
      - Full and partial refunds via API
      - Webhook / status callback notifications
      - Merchant configuration endpoint (payment limits)
      - OAuth2 client credentials authentication
      - Sandbox / UAT environment access
      - Integration support for WooCommerce, Shopify, Magento, OpenCart, PrestaShop
    pricing: Contact Payflex for volume-based commission rate
    contact: https://payflex.co.za/merchant/
notes: >
  Specific fee percentages are not disclosed publicly. Payflex indicates that
  the commission is "nominal" and volume-dependent, consistent with BNPL
  provider practices in South Africa (typically 3–6% MDR range based on
  industry comparables). Merchants should contact Payflex directly for a quote.