Note: This document will be updated periodically as new features and functions are added to the Flex platform. 

The Finix Flex (Flex) platform provides software companies interested in taking payments in-house with a simple and scalable payments strategy. Flex is a lightweight entry into the payment facilitation model. 

This document is a high-level overview of the Flex platform. This document includes API interactions and functionality, as well as workflows. This guide is organized into three sections: 

1. Creating a merchant
2. Creating a buyer
3. Processing payments

Creating a buyer 

The second step in setting up a Flex customer is to provision a buyer. The buyer identity represents the customer of the Merchant. Creating a buyer is required to complete transactions. 

Creating a buyer payment instrument

Part of provisioning a buyer is to create a payment instrument for the buyer. A payment instrument can represent either a bank account or a credit card.

Creating a buyer payment instrument (credit card) 

It is important to tokenize credit card(s), as tokenizing credit card(s) keeps the Flex customer out of PCI scope. 

Flex uses a PaymentsForm library, which is a javascript library that allows you to tokenize sensitive credit and debit card data. For more information, see the Flex APIs.

Creating a buyer payment instrument (bank account) 

Similar to creating a payment instrument for a credit card, a buyer can also create a payment instrument for their bank account.