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Flexipay by Dialog Finance

The flexible way to manage your payments. Turn your Dialog Finance debit card transactions into easy installments plans with Flexipay. Simply convert any Dialog Finance debit card transaction into installments of up to 3 or 6 months and pay monthly basis. You can apply seamlessly via the genie app through a fully digitalized process with zero paperwork. Since this is a pre-approved installments plan, you can enjoy a hassle-free experience. Flexipay by Dialog Finance is the smartest way to manage your finances efficiently.

Subject to approval by Dialog Finance PLC.

Key Features
Pay in 3 or 6 months with flexible payment plans
Zero Documentation with pre-approved credit limits
Full transaction value can be converted instantly into a monthly installments plan
Available at all merchants Excluding utility / telco payments
Can obtain multiple installments plans up to your credit limit
How to check Eligibility
Step 01: Open the genie app, sign in, and click on the flexipay icon.

Step 02: If you are eligible for flexipay, your recent transactions made with the Dialog Finance debit card will be displayed on the screen once you click the "Get Started" button.

If you are not eligible for Flexipay, your transactions will not be displayed. This could be for the following reasons:
  • Not having an active SMART savings account with a healthy balance or sufficient frequent deposits.
  • Not having a Dialog Finance debit card.
To know how to be eligible, refer to the FAQ section.
How to apply
Step 01- Open the genie app and sign in. Tap on the flexipay Icon.

Step 02- Click on the get started button.

Step 03- Pick a recent transaction made via your Dialog Finance debit card to convert into a loan.

Step 04- Choose your preferred repayment period—3 or 6 months.

Step 06- Complete the process, and the loan amount will be transferred to your genie SMART account.

Guide to flexipay
Flexipay FAQs
What is flexipay?
Flexipay by Dialog Finance is an Enjoy Now, Pay Later solution that makes shopping more manageable. Instantly convert your Dialog Finance debit card transactions into easy installments plans and split payments over 3 or 6 months all through the genie app! Exclusively for SMART savings customers with a Dialog Finance debit card.
Who is eligible to use flexipay?
Flexipay is exclusively for customers who actively use the SMART account while maintaining a healthy balance through consistent deposits, make regular transactions with the Dialog Finance debit card. Please note that customers with ongoing Quick Loans or LesiPay must settle their existing Quick Loan or LesiPay in order to qualify for a flexipay.
How do I apply for flexipay?
Once you're eligible for the flexipay feature,
  • Open the genie app on your mobile device.
  • Tap on the “Flexipay” tile on the home screen.
  • Select the transaction you want to convert into an installments plan.
  • Review the details and confirm the installments plan.
I have a SMART account but do not have a Dialog Finance debit card. How can I apply for flexipay?
  • Step 01: Apply for your Dialog Finance debit Card via genie app and activate Your debit card once your card is received.
  • Step 02: Once you do transactions using your Dialog Finance debit card then it will show your eligible transactions to convert into an installments plan.
  • Step 03: Pick the Dialog Finance debit card transaction you'd like to convert into an installments plan.

* To be eligible, you need to maintain a healthy savings balance and keep your SMART account active with frequent deposits, as Dialog Finance reserves the right to determine customer eligibility for this feature.
I'm not a SMART saving account holder and don't have a Dialog Finance Debit Card. How can I apply for Flexipay?
  • Step 01: Download the genie app. Click on the "Savings" icon to open a SMART account online through the app, without any paperwork.
  • Step 02: After applying for your SMART saving account, also apply for your Dialog Finance debit Card. Activate your debit card once it is received.
  • Step 03: To be eligible for this feature, ensure that you use your debit card regularly, maintain a healthy savings balance, and keep your account active with frequent deposits. Dialog Finance reserves the right to assess and determine customer eligibility based on these criteria.
  • Step 04: Once you do transactions using your Dialog Finance debit card then it will show your eligible transactions to convert into an installments plan.
  • Step 05: Pick the Dialog Finance debit card transaction you'd like to convert into an installments plan.
Are there any documents required to apply for flexipay?
No additional documents are required for existing SMART customers, for new customers who doesn’t have a SMART account, you will need to open a SMART account.
Can I receive the full transaction value as an installments plan at once?
Yes, you can receive the full transaction value as an installment plan, as long as it is within your remaining credit limit.
Can I change the repayment date for my monthly installments?
No, Currently, there is no option available to reschedule your flexipay monthly installment repayment date.
How is my credit limit determined?
Your credit limit is based on your SMART savings account behavior.
Can I use flexipay for any transactions made with my Dialog Finance debit card?
You can use flexipay for transactions made with your Dialog Finance debit card if the amount is over 5,000 LKR and the transaction was made within the last 30 days. However, telco and utility payments and ATM withdrawals using the card are not eligible. You can check eligible transactions on the "Eligible Transactions" screen.
What fees are associated with flexipay?
There are two fees associated with Flexipay: -

Processing Fee: This is a small service charge based on your transaction value (5% from the transaction value), which will be deducted upon conversion and remaining balance will be credited to your SMART account.
Interest Fee: You can view your interest rate per annum on your genie app.
How can I view my Installments plan details?
You can view all Installments plan details in the "Installments in Progress" section under Flexipay in the genie app.
How do I repay my installments plan installments?
Your installment repayments are automatically deducted from your SMART account through an auto-recovery process.
What is the repayment period for flexipay?
flexipay offers flexible repayment options of 3 or 6 months.
What happens if I make a late installment payment?
A late installment payment fee of 3% will apply to the overdue amount.
Can I settle my Installments plan before the due date?
Yes, you can settle installments plan early. However, an early settlement fee of 1.5% of the total outstanding amount will be charged.
Is it possible to apply for more than one installment plan?
Yes, you can convert multiple transactions into multiple installments plans. Each transaction can be processed as an individual installment plan, provided it falls within your eligible limit.
How are my monthly installments deducted from my SMART savings account if I settle multiple installments plans at once on the same due date?
If you settle multiple installments plans at the same time, payments will be deducted from your SMART account in the order the transactions were converted, starting with the earliest installments plan.
How can I contact customer support for flexipay?
If you have any questions or need assistance, you can contact our customer support team through our website's live chat, phone support,
What are the benefits of using flexipay?
  • Full transaction value can be converted instantly into a monthly installments plan
  • Flexible 3 or 6-month repayment plan
  • Pre-approved credit limit based on your saving behavior
  • No documentation required
What is the definition of a month for flexipay?
A 30-day month from the day the installments plan is obtained (not a calendar month). E.g.: If a customer takes an installments plan on 5th January for 3 months, it will be due on 4th April. The first installment will be due on February 4th, the second installment will be due on March 5th and the last installment will be due on April 4th.
How is my daily penalty interest calculated for late payment?
The number of days elapsed are taken for penalty interest calculation.

E.g.: If an installments plan is due on 2nd June and repaid on 4th June, penalty interest is charged for 2 days. This includes weekends and holidays.