“At Flexcharge we believe that the majority of payment declines can be cured in a frictionless and fast customer experience. The customer should get the product they want, paying the way they want, within the credit lines they already have, and at no cost to them. Ever.”
What is Flexcharge?
Flexcharge is a payment partner with merchants that can step in to evaluate a declined transaction and assess if the payment really should have gone through.
If we believe your payment should not have been declined, we purchase the invoice from the merchant and confirm the transaction so that they deliver their product or service to you with their existing terms and conditions.
We then perform another authorization on the credit or debit card you chose. Sometimes this can be instantly and sometime it can delay up to 30 days depending on the best moment for your card to authorize.
We will inform you of the authorization.
Most importantly, this is not a loan, this is not a new contract. We are merely facilitating the transaction of your existing card at no additional cost or fees to you.
We are passionate about positive customer outcomes
At FlexCharge we believe that the majority of declines can be cured in a fully embedded, frictionless, and fast customer experience. The customer should get the product they want, paying the way they want, within the credit lines they already have, and at no additional cost to them. Ever.
No additional Fees:
FlexCharge does not charge you any additional fees other than the actual agreed price of the purchased product.
No Credit Bureau Impact:
FlexCharge purchases invoices from merchants. This is not a loan. There is no change to existing lines of credit or balance limits. FlexCharge does perform soft bureau checks to help get a better outcome for you but with no impact to your credit profile.
FlexCharge does not have a post collections process.
No Data Sharing:
Returns work just like a regular return for other payment types including credit and debit cards or a buy now, pay later offer. The merchant has all of the transaction information. If they accept the return per their merchant terms & conditions, they can confirm a credit to you and FlexCharge in turn processes the credit.
To make things easier for you, we use smart descriptors so that your purchase will appear on your monthly card statement with the name of the store or merchant where you made the purchase.
Flexcharge is a payment partner to merchants to help resolve unnecessary declined transactions.
If you have any questions about the product, service, pricing, fees, returns, or complaints, please contact the Merchant directly as their terms and conditions will apply.
If you have any other questions about FlexCharge please refer to our Terms and Conditions or contact us at: