Good questions.
Straight answers.

Your PayTag is your unique payment identity on FLEX - Instant Payments. People can use it to find and pay you on the platform without asking you for bank details each time.

Download FLEX - Instant Payments for iPhone or Android. Create your account and follow the identity verification steps in the app. Set up your PayTag, fund your wallet using the available options and you’re ready to explore.

Both. FLEX - Instant Payments is for sending, requesting and receiving personal payments. FLEXmerchant gives businesses a merchant PayTag and QR code for accepting payments. Contact the team for merchant onboarding.

Create a payment request in FLEXme, add the amount and a note, and send it to your person on FLEX - Instant Payments. They review and approve the payment in their app. A request does not automatically take money from anyone’s account.

For personal payments, review the individual fees and personal wallet limits. Silver, Gold and Platinum apply to personal wallets, including PayTag payments and FLEXme. For businesses, see FLEXmerchant One Tap pricing and the business terms. Review the applicable charge in the app before confirming.

FLEX - Instant Payments is a product of ReflexPay Limited, a financial technology company. Mobile money services are delivered under Hedonmark Management Services Limited’s Mobile Money Operator licence framework, regulated by the Central Bank of Nigeria (CBN). FLEX - Instant Payments is not a bank. Eligible balances are subject to the NDIC pass-through deposit insurance framework, its conditions and coverage limits. For more information, read the current terms and conditions.

Check its status in your transaction history, then contact support in the app or email techsupport@yourflexpay.com. Share the transaction reference and what happened. Never share your PIN or password.

These are personal wallet verification tiers on FLEX - Instant Payments, covering personal payments and FLEXme. They are separate from FLEXmerchant. Each has different daily transaction and wallet limits. Compare the published figures and requirements on the account limits page, then follow the current verification steps in your app.

FLEXmerchant is for businesses accepting PayTag and QR payments. Review the merchant terms and contact the FLEX - Instant Payments team about verification and onboarding.

FLEX - Instant Payments is a member of the Financial Identity Network (FIN), powered by Pario. Visit our network membership page for the Pario website link.