Changes in your bill balance

Your scheduled payment amounts are based on your bill balance.

If your bill balance changes, your 1st and 2nd payments may also change to reflect the updated amount.

How this works depends on how your bill is paid.

If Flex submits your bill for you

When you set up your bill in Flex, your scheduled payments are based on the balance at that time.

Flex automatically checks your bill balance every 12 hours.

If your bill amount increases or decreases:

• Your scheduled payment amounts in the app will update to match the exact bill balance.
• You’ll receive an email notifying you of the updated payment amounts.
• Your credit line remains the same.
• Your 1st payment amount will adjust to reflect the updated bill balance.

Updates happen before the bill submission process begins so your payment schedule accurately reflects the current amount due.

If you pay your bill using a Flex provided bank account

When using a Flex provided bank account, you enter an estimated bill amount in the app before submitting your payment to your provider.

If the final amount you submit is slightly higher or lower than your estimated amount, your scheduled payments will automatically adjust to match the updated total.

When this happens:

• Your 1st and 2nd payment amounts are updated.
• You’ll see a message in the app explaining the change.
• You may also receive an email notification.
• Your credit line remains the same.

If the difference between your estimated amount and the final submitted amount is too large, your payment may not be processed.

To avoid issues, always confirm your bill amount with your provider before submitting your payment.

If you pay your bill using a Flex provided debit card

When using a Flex card, you confirm your estimated bill amount in the app before completing your 1st payment to Flex.

If the amount your service provider charges to your Flex card is different from the estimate you entered in the Flex app, your 1st and 2nd payment amounts may update to reflect the actual bill total. Here's what to expect in each case:

If your payments increased: As long as the actual charge was within your card's spending limit, your payment went through successfully. Your 2nd payment will automatically update to reflect the difference — no action needed from you. You'll see a notification in the app and may receive an email letting you know your payment amounts have been updated.

If your payments decreased: Your payment went through, and Flex will automatically issue a partial refund for the difference on your 1st payment. Your 2nd payment will adjust accordingly. Learn more about Refunds and bill adjustments.

If your actual bill exceeds your card's spending limit, your payment will be declined at your service provider's website. Learn more about why your bill payment attempt may be declined.