# FLEX - Instant Payments — Send money. Instant payments. > Fast, secure money transfers and payments in Nigeria using PayTags. (iPhone/iPad app by Koinage LLC.) - Source: https://appshunter.io/ios/app/flex-instant-payments/id6740035091 (this page in markdown: same URL + `.md`) - Developer: [Koinage LLC](https://appshunter.io/developer/1558567429) - Category: Finance, Utilities - Price: Free - Rating: 4.70/5 from 11 App Store ratings · 5 written reviews indexed - Age rating: 4+ - Requires: iOS 13.0 · 154 MB - Languages: American English - Released: 2025-01-14 - Data updated: 2026-08-19 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/flex-instant-payments/id6740035091/reviews.md ## What is FLEX? FLEX Move Money. Move Freely. FLEX is the fast and secure way to send and receive money in Nigeria. You can pay anyone, anytime, without account numbers or extra fees. Send and Receive Instantly Transfer to anyone using a PayTag. Send or receive in seconds and track every transaction in real time. Pay Merchants Easily Scan a merchant QR code or pay directly inside the app. Request Money Fast Use FLEXme to ask for money and get paid faster. Add a note so people know what it’s for. Keep your payment history organized and accessible. Verify and Upgrade Your FLEX Tier Verification unlocks higher spending limits and full access to FLEX features. Move from Silver to Gold, Platinum, and Diamond Reserve as you complete verification. Each tier gives you more room to transact confidently and securely. Stay Secure and In Control Built with top-tier security for every payment. Instant alerts keep you updated as money moves. One app for all your transfers, rewards, and everyday spending. FLEX combines speed, trust, and simplicity in one app. *FLEX is a financial services platform, not a bank. Banking services are provided by our regulated partners. Contact FLEX Support in-app, via email at: techsupport@yourflexpay.com ## Key features - Instant money sending and receiving - Pay with PayTag - Merchant QR code payments - Request money with notes - Tiered verification for higher limits - Real-time transaction tracking - In-app support ## Recent user reviews (5 of 5) All indexed reviews: https://appshunter.io/ios/app/flex-instant-payments/id6740035091/reviews.md ### 5/5 — Sensational!! *2025-06-28* Did someone say FAST??? This app loves money so fast it’s in a class of its own!!! **Developer response:** Glad you felt the speed. That’s exactly what FLEX is built for. Thanks for using the app. — The FLEX Team ### 5/5 — I like the app *2025-03-15* Good app with easy to use interface ### 5/5 — Reflex app *2025-03-15* I love this app it is the best bank app zero bank charges ,instant payment Pls keep it up **Developer response:** Thanks a lot. Instant payments and no charges are what FLEX is here for. — The FLEX Team ### 5/5 — A good financial app *2025-03-15* The app’s interface is user-friendly, easy to navigate, and the transactions process smoothly without lag. **Developer response:** Thanks for this. We put a lot of care into keeping the app smooth and simple to use. Glad it’s working well for you. – The FLEX Team ### 5/5 — Review *2025-03-15* I just downloaded this app and I’m having issues with the preview registration aspect.Unable to fill in my email **Developer response:** Thanks for the heads up. Please reach out to techsupport@yourflexpay.com so we can look into your signup issue directly. – The FLEX Team ## Frequently asked questions about FLEX ### How does FLEX ensure the security of my transactions? FLEX is built with top-tier security for every payment. The app provides instant alerts for all money movements, keeping you updated and in control of your finances. Banking services are provided by regulated partners. ### What are the different FLEX tiers and their benefits? FLEX offers tiered verification levels, including Silver, Gold, Platinum, and Diamond Reserve. Each tier unlocks higher spending limits and full access to FLEX features, allowing you to transact more confidently as you upgrade. ### Can I use FLEX to pay merchants? Yes, FLEX allows you to pay merchants easily. You can scan a merchant's QR code directly within the app or make payments directly inside the application. ### How do I request money using FLEX? You can use the FLEXme feature to request money from others. You can add a note to specify the purpose of the payment, helping to keep your payment history organized and accessible. ### What devices is FLEX supported on? FLEX is currently supported on iPhone and iPod devices. The latest version is 5.0.6, and it was last updated on March 25, 2026. ### Is FLEX a bank? No, FLEX is a financial services platform. Banking services are provided by their regulated partners, ensuring compliance and security for users. ### How often is FLEX updated? The latest version of FLEX, 5.0.6, was released on March 25, 2026. While specific update frequency isn't detailed, this indicates active development and maintenance. ### What is the user rating for FLEX? FLEX has a strong user rating of 4.7 stars, based on 11 ratings. This suggests a generally positive user experience with the application. ## Version history (last 5 releases) ### 5.0.37 — 2026-08-17 What’s New Savings: Explore the new savings experience and learn more directly from the app. FLEXme improvements: Updated request notifications and confirmation screens, with a smoother experience across FLEXme. Copy transaction receipts: You can now copy receipt details for easier sharing. Improved bill payments: Airtime and data purchases now include a confirmation step before payment. PayTag updates: PayTags now appear throughout key payment flows, making it easier to identify who you’re paying. General performance improvements and interface updates. Love using FLEX? Rate us on the store and let us know what you think. Need help? Tap 'Support' in-app or email techsupport@yourflexpay.com ### 5.0.35 — 2026-05-06 What’s New This update introduces new services and improves how requests are managed. FLEXme improvements: Notification and confirmation screens have been updated for a clearer request experience. VAS services: You can now buy airtime, data, PayTV, and power directly in the app. Request expiry: FLEXme requests now expire after 48 hours to keep requests current and relevant. Love using FLEX? Rate us on the store and let us know what you think. Need help? Tap Support in-app or email techsupport@yourflexpay.com ### 5.0.34 — 2026-04-25 What’s New Updated FLEXme screens Improved notification and confirmation experience for requests. New: VAS services Buy airtime, data, PayTV, and power directly in the app. FLEXme request expiry Requests now expire after 48 hours. Love using FLEX? Rate us on the store and let us know what you think. Need help? Tap Support in-app or email techsupport@yourflexpay.com ### 5.0.6 — 2026-03-25 What’s New Improved wallet funding with additional card support. Account verification has been updated to identity verification. Virtual account details have been restructured for clarity. Support now redirects to the FAQ page. Love using FLEX? Rate us on the store and let us know what you think. Need help? Tap Support in-app or email techsupport@yourflexpay.com ### 5.0.5 — 2026-01-28 What’s New · Merchant logos now appear for saved stores. · Wallet funding via card is now available. · Transaction amounts now reflect applicable withdrawal fees. · Beneficiaries are listed in alphabetical order. · Access your account statement directly in the app. · Edit account number and bank on the confirmation screen. · Stamp duty has been implemented where applicable. Love using FLEX? Rate us on the store and let us know what you think. Need help? Tap Support in-app or email techsupport@yourflexpay.com ## Apps similar to FLEX | App | Rating | Price | Category | | --- | --- | --- | --- | | [QuickPurse](https://appshunter.io/ios/app/quickpurse/id6477889197) | 5.0 (2) | Free | Finance | | [TellerOne®](https://appshunter.io/ios/app/tellerone/id1671370158) | 3.7 (10) | Free | Finance | | [Vacepay](https://appshunter.io/ios/app/vacepay/id6749573235) | — | Free | Finance | | [Pyyr](https://appshunter.io/ios/app/pyyr/id6444067868) | — | Free | Finance | | [FlipEx: Flip GiftCards & Bills](https://appshunter.io/ios/app/flipex-flip-giftcards-and-bills/id6444803487) | 4.5 (149) | Free | Finance | | [iNPAY](https://appshunter.io/ios/app/inpay/id6741436449) | — | Free | Finance | ## More apps by Koinage LLC - [Koinage](https://appshunter.io/ios/app/koinage/id1641750746) All apps by Koinage LLC: https://appshunter.io/developer/1558567429 ## Related topics [flex payment](https://appshunter.io/ios/topics/flex-payment) · [instant loan app in nigeria](https://appshunter.io/ios/topics/instant-loan-app-in-nigeria) · [nigeria instant loan app](https://appshunter.io/ios/topics/nigeria-instant-loan-app) · [3o5 escrowly](https://appshunter.io/ios/topics/3o5-escrowly) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-19.*