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FlexM offers a wide range of payment solutions to both consumers and corporate companies.
With the services provided, you can make payments easily and it’s convenient.

The payroll card solution offers a flexible and cost-effective method of managing payroll by using prepaid cards that provide an access to a prepaid value than a line of credit. Payroll cards provide companies with a convenient, low-cost methods of disbursing salary to employees. For unbanked employees, the payroll card offers valuable benefits by eliminating check-cashing fees, providing more convenient and secure way to receive and access funds. Payroll cards help employers to reduce payroll costs by increasing the efficiency process and build an employee loyalty. Employers can use the payroll cards to deposit their employee’s salary if the employee does not opt for the direct deposit bank account or does not have a bank account.


Consumer prepaid cards provide consumers access to a prepaid value rather than a line of credit. The cards can be loaded up with funds, and then be used to pay bills, in-store purchases, and online shopping. The advantages with prepaid cards include being safer than carrying cash, worldwide functionality with Mastercard acceptance, and not having to worry about paying credit card bills or going into debt.

Virtual cards are an exciting and cost-efficient development for single payments and payment products that are designed only for use in virtual environments, for example, e-commerce or other distance selling channels. These virtual prepaid cards can be used at any merchant for e-commerce or other ‘card not present’ transactions, providing the same spending capability as a physical card but without any of the expenses and time taken in manufacturing and distributing the plastic cards themselves.

Corporate expense cards are ideal for employees, vendors, and consultants of companies who are unable or not willing to provide a corporate credit/debit card. The card can be used to pay for a range of business-related expenses including business travels and entertainment, purchasing of goods and services, a replacement for petty cash, business meetings and functions, expenditures specific to projects, and per diems for consultants and temporary employees. The card is best used when the company wants a more cost-effective method of payment versus cash or checks.