Collections software for BNPL lenders
Buy now pay later is now regulated credit. Flexys gives you one system for arrears: automated journeys for high volumes of small balances, the forbearance the FCA expects, and the evidence behind every decision.
Book a demo
Small balances, high volumes and a new rulebook
BNPL books are built on volume: large numbers of short agreements with low balances. When an instalment is missed, a phone call or a letter can cost more than it recovers, so collections has to run digitally.
Since 15 July 2026, deferred payment credit sits inside the FCA's consumer credit rules. Lenders now have to spot financial difficulty, offer forbearance and show Consumer Duty outcomes, often on processes that were never built to be audited.
Flexys handles the volume through automated workflows and customer self-service, so your team's time goes where judgement is needed. Every action lands in one auditable collections record.
How Flexys is configured for BNPL
Resolved where customers already are
Customers sort a missed instalment online, at any hour, in a few steps. Payment plans and affordability are built into the journey, not a phone call away.
Built for small balances
Automated reminders and routine arrangements keep the cost per account low, so a missed £40 instalment rarely needs an agent.
Forbearance you can evidence
Configurable rules for financial difficulty, vulnerability and forbearance, with a complete audit trail behind every decision. When the FCA asks how a customer was treated, the answer is in one place.
Grows with your retailer network
Add retailers, products and volume without adding collections headcount. Change journeys and messages yourself, without waiting on a vendor's release cycle.
Why one system matters for BNPL
BNPL lenders need collections that keep pace with checkout and stand up to supervision. Three things make that possible.
Built for volume. Automated journeys and self-service absorb large numbers of small accounts, and agents work only the cases that need judgement.
Records ready for supervision. Every contact, arrangement and decision sits in one record, ready for the FCA, the Financial Ombudsman and your own complaints team.
Works with what you run. Flexys integrates with your lending and payments systems, which remain the source of balances and payments.
BNPL collections software: common questions
Do the FCA's BNPL rules cover arrears?
Yes. Deferred payment credit agreements made since 15 July 2026 are regulated, and the FCA's rules on arrears, forbearance and customers in financial difficulty apply to them. Agreements made before that date sit outside the regime. This is a summary, not legal advice.
Can Flexys handle BNPL volumes?
Yes. Flexys is cloud-native and responds to each missed payment as it happens, rather than in overnight batches. Automation and self-service mean higher volumes don't need a bigger team.
Does Flexys replace our lending system?
No. Flexys integrates with your loan management or core system, which remains the source of balances and payments. Flexys holds the complete record of collections activity: communications, arrangements, actions and decisions.
How do customers manage their arrears?
Through a self-service portal built into the same system as the agent desktop. Customers can make a payment, set up a payment plan or manage their account at any time.
.png)
.png)
See Flexys configured for BNPL
Book a demo and we'll show you how a high-volume BNPL book runs on Flexys: the automated journeys, the self-service and the audit trail behind every account.
Book a demoCalculate your ROI