Identity verification
Complete verification in the app. Your verification tier determines the limits available to your account.
Understand account limitsYour name.
Your money.
Your move.
FLEX - Instant Payments
Nigeria's identity-first payment platform.
Your name should be enough to get paid. Send, request and receive money with your PayTag. From your people to your favourite businesses.
No digits. No drama. Just your PayTag.
Welcome back, CindyApp preview
₦32,500.00 Available: ₦32,000.00
₦cindyflexGOLD
Scan to get the app
ILLUSTRATIVE INTERFACE · FICTIONAL ACCOUNT DETAILSMEET PAYTAG
A name they know.
A way to pay you.
Your PayTag is your unique payment identity on FLEX - Instant Payments. Memorable enough to say out loud. Simple enough to share anywhere.
Try your payment identityType a name below. See how it appears to someone paying you.
Start typing to make the recipient preview yours.
This is a preview. Choose your PayTag and check availability in the FLEX - Instant Payments app.
SEE HOW PAYTAG WORKS
02Be easy to remember.
Get your payment identity Be easy to remember.
Be easy to pay.
Share your PayTag with your people. Give them one memorable identity to find you on FLEX - Instant Payments when it’s their turn to send.
CF
₦cindyflexRecipient preview · Check before paying
+₦5,00001
Choose your PayTag.
A payment identity that feels like you.
02
Find your people.
Pay a person or a business on FLEX - Instant Payments.
03
Make your move.
Confirm the recipient. Then pay.
Lunch was on you.
Now it’s their move.
Now it’s their move.
CF₦cindyflexrequest to ₦ninaflex
For the jollof & good company
₦8,500.00CreateSentPaid
Ready to request₦ninaflex will receive your amount and note.
Interactive illustration. No money moves.Less “send it.”
More sent.
The lunch you covered. The gift you’re sharing. The money someone said they’d send.
Send a FLEXme request with an amount and a note. They know what it’s for. You have one place to keep track.
Make your first request
You do your thing.
We’ll help you get paid.
From the first coffee to the last order, give customers a familiar way to pay — and your business a clearer view of every payment.
- 01
A payment identity for your business.
Your merchant PayTag makes your business easy to find on FLEX - Instant Payments.
- 02
Your counter. Your QR.
Let customers scan, check your details and pay from FLEX - Instant Payments.
- 03
Know when you’ve been paid.
Check payment confirmations and keep your transaction history close.
Demo dataActivity
TOTAL WALLET BALANCE₦128,500.00Last updated · just now
Withdraw
Analytics
Sales Value₦32,500.00
Sales Count18
Sales trend
TodaySales (₦)Time
HomeActivityHistorySupportProfile
Illustrative activity · Fictional business dataTRUST & CLARITY
A name you know.
Details you can check.
A payment starts with identity. Take a moment to check who you’re paying, keep your login details private and follow every payment in the app.
Know who’s behind your payments.
FLEX - Instant Payments is a product of ReflexPay Limited, a financial technology company. FLEX - Instant Payments’ mobile money services are delivered under the Mobile Money Operator licence framework of Hedonmark Management Services Limited, licensed and regulated by the Central Bank of Nigeria (CBN). FLEX - Instant Payments is not a bank. Eligible customer balances held through the licensed MMO arrangement are subject to the Nigeria Deposit Insurance Corporation (NDIC) pass-through deposit insurance framework, its eligibility requirements and applicable coverage limits.
Read the platform termsFLEX - Instant Payments is a member of the Financial Identity Network (FIN).
FIN is powered by 
Pario.
Confirm the details. Keep the record.
Check the recipient and amount before authorizing a payment. Your transaction history keeps the payment details and status available when you need them.
A real team when you need help
Reach support in the app or by email. Keep your transaction reference handy so the team can investigate. Never share your PIN or password.
Contact FLEX - Instant Payments supportYOUR PERSONAL WALLET, AT A GLANCE
More room
as you verify.
Your personal wallet grows with your verification. Compare tiers for personal PayTag payments and FLEXme.
Silver₦50,000Daily transaction limitGold₦200,000Daily transaction limitPlatinum₦5,000,000Daily transaction limit
Limits depend on verification and may change. Review your account in the app.Compare personal tiers
THE PEOPLE BEHIND THE PAYMENTS
Real people.
Everyday payments.
A payment app is part of someone’s day.
Here’s what people share on the stores.
10K+Android downloadsGoogle Play 4.6/5From 187 Google Play reviewsRead the reviews 4.4/5From 27 App Store ratingsNigeria App Store
Store snapshot checked 15 October 2026. Ratings, counts and availability can change.
“dashboard is user friendly and the app interface is very commendable as well; so easy to use”
“It’s very easy to use — from logging in to making transfers, everything is smooth and hassle-free.”
A LITTLE MORE CLARITY
Good questions.
Straight answers.
Something else on your mind?
The FLEX - Instant Payments team can help.
What is a PayTag?
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.
How do I get started?
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.
Is FLEX - Instant Payments for people or businesses?
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.
How does FLEXme work?
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.
What fees and limits apply?
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.
Is FLEX - Instant Payments a bank?
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.
What if I need help with a payment?
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.
YOUR NEXT MOVE STARTS WITH YOUR NAME.
Your PayTag
is waiting.
Meet your people. Make your payments. Find your flow.
Find us as FLEX - Instant Payments on iPhone and Android. Verification required.YOUR PAYMENT IDENTITY₦youNO DIGITS. NO DRAMA. JUST YOUR PAYTAG.
YOUR NAME.
YOUR NEXT MOVE.
Scan to get the app