There are a few situations where you may receive a refund when using your Flex card to pay your bill. Here's what to expect in each case.
Your virtual debit card expired before you used it
Your Flex card is active for 24 hours after it's issued. If you don't use it to pay your bill within that window, your card will be automatically deactivated and your 1st payment to Flex will be automatically refunded.
No action is needed from you — the refund will be issued to your original payment method.
You can start the payment process again in the Flex app if you'd still like to use Flex for your bill.
Your actual bill was lower than your estimated amount
If the amount your service provider charged to your virtual debit card is lower than the estimated amount you confirmed in the Flex app, Flex will automatically issue a partial refund for the difference on your 1st payment. Your 2nd payment will also be adjusted to reflect the correct bill total.
No action is 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.
Your service provider issued a refund
Sometimes service providers issue partial or full refunds due to changes in your account — for example, if your policy or coverage changes, or if there's an adjustment to your bill after payment.
Since your bill was paid using a Flex card, any refund from your service provider will come back to Flex first. Here's how we'll handle it:
- Flex receives the refund from your service provider. This typically takes 3–5 business days to fully settle.
- If you have an outstanding balance with Flex, the refund will be applied to that balance first.
- Any remaining amount after your balance is paid off will be added to your Flex Funds.
- You'll receive an email with a full breakdown of how the refund was applied and instructions on how to withdraw any funds from your Flex Funds.
If you have questions about the reason for or amount of a refund from your service provider, please contact your service provider directly, as Flex is not able to make changes to refunds issued by your provider.
If you have questions about how the refund was applied to your Flex account, contact Flex Support.