FlexBuy | Buy Now Pay Later Customer and Merchant Flutter App With Laravel Admin

FlexBuy is a full white-label BNPL stack: a Laravel + Filament admin, two editorial Flutter apps (customer and merchant), a drop-in checkout widget, and a REST API. Every surface reads its brand name, colors, currency, and legal URLs from a single configuration source, so you can rebrand from your admin panel without touching a line of code.

Important: this is regulated consumer-credit software

Please read before purchasing. FlexBuy is a Buy Now Pay Later platform. Operating it means lending money to consumers and collecting repayments, which in most countries is a regulated financial activity. Depending on where you operate and who your customers are, running this software may require you to hold a consumer-credit or lending license, register as a credit provider, comply with affordability and responsible-lending rules, follow debt-collection law, meet KYC/AML obligations, and make prescribed pre-contract disclosures such as APR.

This item is software only. It is not a financial service, not legal advice, and it does not come with any license, regulatory approval, or lending permission. You are solely responsible for obtaining whatever authorizations your jurisdiction requires, for the terms you offer, and for compliance with the consumer-credit, data-protection, and anti-money-laundering law that applies to you. Please take professional legal advice before going live. If you cannot meet these obligations in your market, do not purchase this item.

The credit engine ships with a rule-based scoring model and pluggable adapters. It is a starting point that you are expected to review, tune, and validate against your own underwriting and regulatory requirements before lending real money. The same applies to the optional crypto repayment feature flag (off by default): accepting digital assets carries its own licensing, tax, sanctions-screening, and consumer-protection obligations in most jurisdictions, and it is entirely your responsibility to determine whether you may lawfully enable it.

Two payment adapters are wired end-to-end and share the same interface. Point PAYMENT_PROCESSOR=stripe at Stripe for card, ACH, virtual card issuing, and refunds. Point PAYMENT_PROCESSOR=paystack at Paystack for Nigeria, Ghana, Kenya, South Africa, and USD. Both providers charge cards off-session for scheduled installments, verify payments on the checkout widget, and settle refunds through their native APIs. Payment providers run their own onboarding and underwriting: they may decline to serve a lending business, and approval is never guaranteed.

What is inside

• Laravel 13 backend with Filament 4 admin, Sanctum auth, 26-item setup checklist widget, brand and legal settings pages, roles and permissions, platform settings, MDR revenue and KYC funnel analytics.
• Customer Flutter app covering signup, OTP verification, KYC document upload, credit line, loan detail with installment schedule, in-app card charge for repayment, bank linking, virtual cards, referrals, statements, and account deletion.
• Merchant Flutter app for sales, settlements, refunds, customer detail, plans, webhooks, reports, and a live-chat support tab.
• Checkout widget that any merchant can drop into their site to accept installment payments. Verified end-to-end against Stripe PaymentIntents and Paystack transaction references.
• Payment Links at /pay/{slug} – shareable BNPL checkout URLs a merchant creates from the mobile app or the admin. Post the link on WhatsApp, Instagram, SMS, or a printed QR code – the shopper opens it, completes the hosted checkout, and the loan is booked. No e-commerce integration required. Optional expiry and max-uses per link.
• REST API with 86 endpoints, HMAC-signed webhooks, and a 72-hour retry tail on outbound deliveries.
• Web installer so buyers configure the app through the browser: requirements check, database, admin account, brand, third-party services, and a cron reminder. Writes an install lock so it cannot be re-run.