FlexiLay vs. Ivno Comparison


FlexiLay FlexiLay Pty Ltd	Ivno	+	+
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About FlexiLay is a modern layby platform that helps ecommerce merchants increase sales by allowing customers to pay for purchases over time—without credit, lending or traditional Buy Now Pay Later finance. Customers choose a deposit and payment schedule, make payments securely through Stripe, and receive their order once the balance is paid in full. Built for platforms like Shopify (with WooCommerce and others to follow), FlexiLay gives merchants a simple, automated way to offer flexible payment plans while retaining ownership of their customer relationships. Merchants can customise deposits, payment frequencies and plan lengths, while customers benefit from a transparent, debt-free payment experience. Our mission is to make flexible payments more accessible, helping merchants convert more shoppers and giving consumers a smarter way to budget for the purchases they want.	About Ivno is a modern fiat and crypto payment gateway that enables businesses to accept global payments via cards, Apple Pay, Google Pay, and direct cryptocurrency checkout. For fiat-originated payments, merchants receive payouts instantly in USDC, while crypto payments are settled in the original coin paid by the customer. Ivno supports Bitcoin (BTC), Ethereum (ETH), Solana (SOL), Tether (USDT), USD Coin (USDC), Litecoin (LTC), Monero (XMR), Dogecoin (DOGE), Cardano (ADA), and Tron (TRX). The platform offers a seamless checkout experience, fast onboarding, and tools for merchants to manage transactions, payment links, subscriptions, and payouts from a unified dashboard. Ivno supports WooCommerce and Shopify integrations, API access for developers, and flexible payment configurations. Designed for global businesses, Ivno helps reduce chargeback risks, improve cross-border payments, and unlock new revenue streams through both fiat and crypto
Platforms Supported Windows Not Supported Mac Not Supported Linux Not Supported Cloud Supported On-Premises Not Supported iPhone Not Supported iPad Not Supported Android Not Supported Chromebook Not Supported	Platforms Supported Windows Not Supported Mac Not Supported Linux Not Supported Cloud Supported On-Premises Not Supported iPhone Not Supported iPad Not Supported Android Not Supported Chromebook Not Supported
Audience Business Owners	Audience Startups, SaaS companies, eCommerce businesses, digital service providers, and global merchants seeking flexible payment and crypto payout solutions.
Support Phone Support Supported 24/7 Live Support Supported Online Supported	Support Phone Support Not Supported 24/7 Live Support Supported Online Supported
API Offers API Not Supported	API Offers API Supported
Screenshots and Videos No images available	Screenshots and Videos View more images or videos
Pricing 0 Free Version Supported Free Trial Supported	Pricing Starting at 7.9% per transaction Free Version Not Supported Free Trial Not Supported
Reviews/Ratings Overall 0.0 / 5 ease 0.0 / 5 features 0.0 / 5 design 0.0 / 5 support 0.0 / 5 This software hasn't been reviewed yet. Be the first to provide a review: Review this Software	Reviews/Ratings Overall 5.0 / 5 ease 4.8 / 5 features 5.0 / 5 design 5.0 / 5 support 4.8 / 5 Read all reviews
	Pros & Cons from Real Users Pros VERY quick set-up, took less than a day (but def a solid 8-12 hours) Easy to integrate with a ton of open source ecommerce tools (specifically OpenCart and Presto, but can easily add to Magento, and more). No KYC SIMPLE checkout process for customers Our peptide research company integrated Ivno in less than a day and saw checkout completion rates improve by 16% during the following quarter. The payment links are easy to use, the dashboard is intuitive, and transaction exports have reduced manual accounting work significantly. The platform has been reliable and simple for both our operations team and customers. We run a large IPTV subscription business and needed a payment gateway that could handle recurring billing reliably without unnecessary account limitations. Ivno delivered a smooth experience from the start. Integration was simple, checkout speeds are fast, and Apple Pay plus Google Pay noticeably improved our customer conversion rates. Within our first 4 months using Ivno, we processed more than $96,000 in subscription payments with very stable uptime and excellent transaction reliability. The dashboard also makes subscription and payment management much easier for our operations team. Ivno has been very smooth to use for our online business. The dashboard is clean, transactions are processed quickly, and the WooCommerce integration was surprisingly easy to configure. I also like the merchant tools and reporting section because it helps us track payments and customer activity in one place. The API documentation is clear enough for developers and the onboarding process was much faster compared to other payment providers we tested. Ivno has completely transformed our checkout experience. The seamless integration with WooCommerce allows us to easily accept Apple Pay and GPay without friction. The 100% chargeback protection provides incredible peace of mind for our high-risk transactions, letting us focus on growth. What I like most about Ivno is the cart abandonment recovery feature and the fact that we are allowed to pass fee to customers or split it 50/50 between us and our customers or just absorb the fee so our customers wont have to worry about fees. Cons Their dashboards could be a bit better (but that doesn't really matter if you have orders going through a crm anyway) The platform is evolving steadily, and we're looking forward to seeing additional integrations and workflow enhancements in future updates. Not really something negative but as with most fiat-on-ramp, just keep an eye on conversion rates. Ivno already offer tools and features like sending automatic cart abandonment recovery emails to our customers, paired with our most effective strategy for higher Ivno conversion such as offering and automatically applying a 10% discount to customers items when the select ´Pay with Ivno´ on checkout. Right now the gateway supports major ecommerce stores and platform, about sixteen of them if I remember correctly. That's way overly robust API. Would love to see even more integrations added as the platform continues to grow. Excellent works. The dashboard interface took a little bit of time to get used to initially, but it works flawlessly now and provides all the reporting data we need including keeping our accounting clean using its CSV export and transaction filters.
Training Documentation Not Supported Webinars Supported Live Online Supported In Person Supported	Training Documentation Supported Webinars Not Supported Live Online Supported In Person Not Supported
Company Information FlexiLay Pty Ltd Founded: 2025 Australia flexilay.com	Company Information Ivno Founded: 2018 United Kingdom ivno.io
Alternatives Sezzle	Alternatives Niftipay Retailrus Limited
Splitit	RiskPay
Zip Zip Co	BitPolaris Payments BitPolaris
Affirm	AllPays.co
MONEI MONEI DIGITAL PAYMENTS SL View All	Remmint View All
Categories Buy Now Pay Later Supported	Categories High-Risk Payment Processors Supported Payment Gateways Supported Payment Processing Supported
	Show More Features Payment Gateways Features ACH / eCheck support Not Supported Buyer Authentication Supported Credit / Debit Support Supported Customer Information Storage Not Supported Fraud Prevention Supported Invoicing Supported Multi-Currency Supported PCI Compliance Not Supported Point-of-Sale (POS) Not Supported Recurring Billing / Subscriptions Supported Reporting / Analytics Supported Payment Processing Features ACH Check Transactions Supported Bitcoin Compatible Not Supported Debit Card Support Supported Gift Card Management Not Supported Mobile Payments Supported Online Payments Supported POS Transactions Not Supported Receipt Printing Supported Recurring Billing Supported Signature Capture Not Supported
Integrations Shopify Supported WooCommerce Supported BigCommerce Not Supported Drupal Commerce Not Supported Ecwid Not Supported Elastic Path Not Supported Magento Not Supported Miva Not Supported Odoo Supported OpenCart Not Supported PrestaShop Not Supported QuickBooks Accountants Supported Shopwave Not Supported Spree Commerce Not Supported Stripe Supported Volusion Not Supported Xero Supported Show More Integrations View All 6 Integrations	Integrations Shopify Supported WooCommerce Supported BigCommerce Supported Drupal Commerce Supported Ecwid Supported Elastic Path Supported Magento Supported Miva Supported Odoo Not Supported OpenCart Supported PrestaShop Supported QuickBooks Accountants Not Supported Shopwave Supported Spree Commerce Supported Stripe Not Supported Volusion Supported Xero Not Supported Show More Integrations View All 13 Integrations
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