Flexilay brings modern LayBy and invoice payment plans to your online store, letting customers pay over time with zero lending risk to you — powered by…
Category
Payments
Pricing
Freemium, from $0 /mo
Verified
Not yet
Last updated
August 7, 2026
Stripe IntegrationDashboard
Flexilay is a SaaS payment-scheduling platform that brings a modern take on LayBy (buy-now-take-later, deposit-based) and invoice payment plans to online stores. Instead of extending credit like typical Buy Now Pay Later providers, Flexilay lets shoppers choose a deposit (10%, 30%, or a custom amount) and a payment frequency (weekly, fortnightly, or monthly), then automatically collects the remaining balance over time through Stripe. Merchants get a centralized dashboard to track every plan, payment, and customer, plus controls to release orders only once a plan is paid off, issue refunds, and manage cancellations. The company positions itself explicitly as 'not BNPL' since it never holds customer funds or takes on lending risk — Stripe processes all payments and Flexilay only manages the scheduling logic. It integrates with WooCommerce, BigCommerce, Odoo, Xero, and QuickBooks, with Shopify support listed as coming soon, and is aimed at ecommerce businesses and accounting teams that want to increase conversion and average order value without assuming credit risk.
Key Features
Merchant Dashboard — Track every payment plan, payment, and customer in one centralized place.
Customer Portal — Branded self-service portal where shoppers can manage their own payment plans.
Stripe Integration — Automatic payment collection processed securely through Stripe.
Flexible Schedules — Customizable payment frequency (weekly, fortnightly, monthly) with merchant-controlled order release.
Early Payout & Refunds — Support for early plan payoff plus built-in refund and cancellation management.
Analytics & Notifications — Revenue-focused analytics and automated reminder/receipt notifications.
Pros & Cons
Pros
No lending risk for merchants — Stripe handles all payment processing, Flexilay only manages scheduling
Free to use with no monthly fee; merchants only pay a per-order fee agreed at onboarding
Flexible deposit and payment-frequency options (weekly, fortnightly, monthly) that customers can self-manage via a dedicated portal
Integrates with several established ecommerce and accounting platforms (WooCommerce, BigCommerce, Odoo, Xero, QuickBooks)
Cons
No native Shopify integration yet — listed only as 'coming soon', which limits reach on the most popular ecommerce platform
Per-order transaction fee is negotiated individually at onboarding rather than published transparently on the pricing page
As a newer entrant in the LayBy/BNPL-adjacent space, it has a smaller public track record than established BNPL competitors