Side by side
FLOA vs Payflex
Both stand on buy now, pay later platforms. Which one you can start free with, which one lets you read the code, and what each costs once you pay.
Paid AndroidiPhoneWeb
FLOA combines installment checkout, consumer financing, cards, and insurance. Its fit depends on merchant platform, consumer region, and approval for credit products.
Visit FLOA
Paid AndroidAPIiPhone+1
Payflex combines consumer instalments with merchant integrations and upfront settlement. Its South Africa-only availability, eligibility requirements, assessed spending limits, and possible late fees should be checked first.
Visit PayflexThe facts
| FLOA | Payflex | |
|---|---|---|
| Free plan | Not published | No |
| Open source | Not published | Not published |
| Runs on | Android, iPhone, Web | Android, API, iPhone, Web |
| Lowest paid plan | Carte Cdiscount: €1.25 a month | Not published |
| Plans published | 2 | None |
| Maker | Not published | Not published |
| Website | floa.com | payflex.co.za |
| On buy now, pay later platforms | #19 of 26 | #23 of 26 |
FLOA: what it does well
- Supports 3X, 4X, 10X, or longer repayment
- Works across online and in-store checkout
- Offers Android, iOS, and web access
- Eva answers questions 24 hours daily
- Supports major listed commerce platforms
What to know first
- Credit facilities require application acceptance
- Pricing for other services is on request
- Card fees apply after listed conditions
Payflex: what it does well
- Multiple instalment schedules
- Merchants receive payment upfront
- QR-code in-store checkout
- Integrations for major commerce platforms
- Hosted and embedded checkout options
What to know first
- Available only in South Africa
- Pricing is available on request
- Eligibility requires a good credit history
- Late-payment fees may apply