From Targeted Campaigns to Results: Payflex Sees 21% Open Rates and 26% CTOR with Inactive and Dormant User Reactivation

Payflex Boosts Engagement with Netcore’s Lifecycle-Driven Inactive User Reactivation: 21% Open Rate & 26% CTOR

About Payflex

Founded in 2019, Payflex is a leading South African BNPL (Buy Now, Pay Later) platform that empowers shoppers to split payments into four interest-free instalments across a wide network of online retail partners.

With over 400K monthly website visitors and 50K+ app installs, Payflex has become a trusted digital-first solution for flexible, affordable, and seamless payment experiences.

Company:Payflex

Website: payflex.co.za

Industry: Fintech / BNPL (Buy Now, Pay Later)

Location: South Africa

Category: Customer Engagement, Email Automation

Solutions Used: Lifecycle Email Automation, Behavior-Triggered Campaigns, Advanced Segmentation, Performance Analytics

Objectives

Payflex wanted to move beyond a campaign-based email approach to a more automated, lifecycle-driven engagement model. Their objectives were clear:

Improve email engagement across customer segments.
Increase conversion and retention via automation.
Deliver timely, relevant, and personalized messages aligned with customer actions.

Challenges Before Netcore

Limited ability to build customer journeys.
Basic segmentation and a lack of dynamic, behavior-based automation.
Manual campaign scheduling created inefficiency.
Personalization at scale was difficult to achieve.

Solution: Netcore’s Automated Lifecycle Email Strategy

Payflex partnered with Netcore to streamline customer engagement with intelligent, automated journeys.

The solution included:

Lifecycle Automation
Advanced Segmentation
Performance Tracking