Flexa.network

What makes a payment Flexa?

We designed Flexa from the ground up to solve the biggest problems facing payments today.
Pure-digital. Flexa is the first network to offer transactions that are 100% digitally secured from source to settlement.
Unlike a traditional bank or payment card transaction, Flexa payments don’t involve sending any sensitive customer account information through the network. Instead, each Flexa transaction starts and ends with a unique, digital authorization code that can’t be decrypted or reversed.

Being completely digital makes Flexa payments exceptionally fast and secure. When this digital authorization code is captured at point-of-sale, the complete payment amount is instantly transferred from the customer’s account balance and converted by Flexa as necessary. All of this culminates in the real-time assurance that the settlement for every Flexa-authorized transaction is 100% guaranteed.

Fraud-proof. Flexa’s novel network design guarantees payment value against all major types of fraud—even during a hack or breach.
Flexa simplifies payment transactions to their core parts: because Flexa doesn’t need any sensitive customer account information to process a transaction, there’s no PCI to compromise.

But no software can ever be 100% secure to hacks. To mitigate risk of theft or loss during settlement, Flexa’s real-time transaction capacity is fully backed by a global network of counterparties, who supply collateral for each and every Flexa payment. In the event of a software glitch or breach, this collateral is instantly liquidated in order to guarantee that no Flexa merchant ever experiences lost volume.

Global. Enable Flexa once, and start accepting payments from customers around the world—with zero foreign-exchange fees.
With Flexa’s pure-digital payments network, you can accept USD, CAD and other currencies for payment without having to worry about foreign exchange fees. Flexa’s partnerships with leading digital exchanges around the world ensure that your customers always receive the real market rate—and more importantly, that you receive settlement in the currency of your choice, with zero conversion fees.

And, as more and more global currencies are digitized and added to Flexa, you’ll automatically get the benefit of expanded acceptance from additional customers all over the world.

Private. Flexa provides consumers complete data privacy along with seamless, compliant opt-in for loyalty and marketing purposes.
Payments on Flexa are both GDPR– and CCPA–ready. Our privacy-first approach to payments ensures that your business stays compliant with evolving data privacy regulations around the world while giving your customers confidence to spend freely.

To facilitate enhanced transactions—such as age-restricted purchases, loyalty punches, and offers—Flexa also enables customers to share specific personal data on either an individual or recurring basis, and audit their data sharing at any time. This granular level of control is novel to the Flexa network, and opens up a new world of possibilities for dynamic loyalty and marketing.

Open-source. Flexa payments are built on top of an open-source software protocol validated by third-party security audits.
The future of money shouldn’t belong to any one company, which is why we’re proud to open source the critical software at the heart of our payments infrastructure.

Our engineering team practices a culture of contributing code back to the projects that we rely on, and we constantly look for opportunities to make more of our software public and transparent.

Touch-free. The Flexa network conveys payment data and loyalty information safely, securely, and without any physical contact.
Flexa was designed to help you put your customer at the center of the transaction and minimize time in lane. As such, we engineered every transaction to make use of the camera or display built into every customer’s smartphone—instead of a dedicated piece of plastic or NFC chip.

Flexa’s approach to secure, instant payments is especially useful in today’s reduced-touch payment environment, because it can convey transactions through transparent surfaces and at a distance of several feet. And now that Flexa is adding support for online and in-app payments, it’s even easier to support multi-channel payments while reducing overhead and cutting transaction costs.