Refund Policy

UNDERSTANDING THE FLASH PAY MODEL

1.1  How Flash Pay Is Different From a Regular Retailer

Most refund policies exist because a customer paid for something and didn't receive it or wasn't satisfied with it. Flash Pay works differently. You do NOT pay Flash Pay for a product or service in the traditional sense. Instead:

• Flash Pay pays your bill from its own funds — this is a personal loan to you;
• Your credit card is charged as repayment of that loan — not as a purchase;
• Flash Pay's service fee is compensation for the bill payment facilitation work;
• By the time your card is charged, your bill has already been paid and confirmed.

2.1  Cancellations Before Bill Payment — Full Refund

If you need to cancel your payment request BEFORE Flash Pay has paid your bill, contact us immediately:

• Text or WhatsApp: (713) 000-0000 — fastest response
• Email: hello@flashfunding.us

If your bill has not yet been paid, we will cancel your request in full. Any card pre-authorization hold will be released within 3–5 business days depending on your card issuer. You will owe nothing.

How to check if your bill has been paid: If you have NOT received a payment confirmation screenshot from Flash Pay via WhatsApp or email, your bill has not yet been paid and your request may be cancellable.

2.2  Service Fee — Non-Refundable Once Bill Is Paid

The service fee is earned by Flash Pay at the moment your bill is paid via ACH. Once the bill is paid:

• The service fee is non-refundable under any circumstances, including if you change your mind, if your payee disputes receipt, if you have a dispute with your landlord or vendor, or if you simply no longer want the service;
• The only exception is if the misdirected payment is caused entirely by a Flash Pay error — see Section 2.4.

This policy is consistent with standard fintech industry practice. Plastiq, Melio, and other comparable platforms have the same non-refundable fee policy once payment is executed.

2.3  Bill Amount — Non-Refundable Once Bill Is Paid (Unless Flash Pay Error)

Once Flash Pay has paid your bill:

• The loan obligation is unconditional. You owe Flash Pay the full loan amount (the bill amount) regardless of any subsequent dispute with your payee;
• If your payee disputes receipt of the payment, Flash Pay will assist you in pursuing the payee but your loan repayment obligation to Flash Pay remains;
• If you have a dispute with your payee about the quality of services — for example, your landlord refuses to make repairs — that dispute is between you and your payee. It does not affect your obligation to repay Flash Pay;
• The loan is for paying a specific bill to a specific payee at your request. The bill being paid correctly discharges Flash Pay's obligation entirely.

2.4  Flash Pay Error — How We Handle Misdirected Payments

If Flash Pay pays the wrong amount, pays the wrong payee, or makes any other error in executing the ACH payment that is attributable solely to Flash Pay (not to incorrect information you provided), we will:

1. Immediately attempt to recall the ACH payment — ACH recalls are not guaranteed to succeed but we will pursue all available recovery mechanisms;
2. Work with you and the misdirected recipient to recover the funds;
3. If recovery is unsuccessful, absorb the loss — you will not owe Flash Pay for a misdirected payment caused by our error;
4. Refund the service fee in full;
5. Document the error in our internal records and take steps to prevent recurrence.

IMPORTANT: A misdirected payment caused by incorrect information you provided — including wrong routing number, wrong account number, wrong payee name, or wrong bill amount — is NOT a Flash Pay error. You remain fully liable for the loan amount in those circumstances.

3.1  Why Chargebacks Do Not Apply to Flash Pay Transactions

Chargebacks were designed to protect consumers who did not receive goods or services they paid for. 

In a Flash Pay transaction:

1. The card charge is NOT a purchase — it is a loan repayment;
2. The service (bill payment) is delivered BEFORE the card is charged;
3. The exact charge amount is authorized in writing in the signed Loan Agreement;
4. You receive documentary proof of payment before your card is ever charged;
5. There is no legitimate basis for any standard chargeback reason code.

Filing a chargeback under these circumstances is not using the system as intended — it is attempting to avoid repaying a debt you legitimately owe.

3.2  The Only Legitimate Dispute — Unauthorized Use

The ONLY legitimate basis for contacting your card issuer about a Flash Pay charge is if your identity or card was used by someone else without your authorization to create a Flash Pay request. If this has happened:

• Contact Flash Pay IMMEDIATELY at (713) 000-0000 — we will investigate and, if unauthorized use is confirmed, we will cooperate fully with your card issuer;
• File a police report for identity theft;
• Contact your card issuer to report unauthorized use.

For all other concerns — including if you changed your mind, if you have a dispute with your payee, or if you do not recognize the charge — contact Flash Pay directly at (713) 000-0000 BEFORE contacting your card issuer.

3.3  What Happens If You File a Chargeback

If a chargeback is filed on a legitimate Flash Pay transaction, the following will occur immediately:

3.4  Flash Pay's Chargeback Evidence Package

Every Flash Pay transaction is documented with a comprehensive evidence package specifically designed to comply with the compelling evidence requirements of Visa, Mastercard, American Express, and Discover. This package is submitted immediately upon receipt of any chargeback: