We pick the
best card.
You just pay.
Every time you tap to pay, Flexa automatically analyzes all your cards and selects the one that gives you the most value.
Best card selected
How Smart Routing works
Flexa analyzes every payment in real-time to maximize your rewards
You tap to pay
Make a purchase as you normally would using Apple Pay or Google Pay or Samsung Pay.
Flexa analyzes
We instantly check all your cards for rewards, fees, and available balance.
Best card charged
The optimal card is automatically selected and charged. All in milliseconds.
Purchase amount
SAR 1,500
Your card balance
SAR 900
Insufficient funds
Ever been declined
at checkout?
It's embarrassing and frustrating when you have money across multiple cards but can't complete a purchase because one card doesn't have enough balance.
Traditional payments force you to use one card at a time, leading to declined transactions even when you have sufficient total balance.
How Split Payment works
Flexa automatically divides payments when needed
Purchase amount
SAR 1,500
Available: SAR 900 (Maxed out)
Available: SAR 2,000 (Remaining)
Split automatically across 2 cards
Benefits of Split Payment
Never get declined again
Zero declined payments
As long as you have total available balance, the payment goes through automatically.
Fully automatic
You don't need to calculate or manually split. Flexa handles everything instantly.
Optimal split logic
Flexa calculates the best way to split based on rewards, fees, and balances.
Better cash flow
Use your available credit more efficiently without worrying about limits.
Real scenario
See how Smart Routing maximizes your rewards automatically
Payment: SAR 500
Best for dining purchases
You saved SAR 25 with Smart Routing
Benefits of Smart Routing
Maximize rewards on every purchase, automatically
Always get best rewards
Never miss out on cashback or points again. Flexa always picks the card with highest rewards.
Prevent declined payments
Smart balance checking ensures you never get declined due to insufficient funds.
Save time and money
No more manually calculating which card to use. Flexa does it instantly, every time.