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.

Order of Operations — Why Refunds Are Rarely Applicable

Here is the exact sequence of every Flash Pay transaction:

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 : (832) 821-5944 — fastest response
• Email: Contatus@flashpayusa.com

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.

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 below on Flash Pay Errors.

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.

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.

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.

Refund Processing Timeline

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:

• The card charge is NOT a purchase — it is a loan repayment;
• The service (bill payment) is delivered BEFORE the card is charged;
• The exact charge amount is authorized in writing in the signed Loan Agreement;
• You receive documentary proof of payment before your card is ever charged;
• 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.

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 (832) 821-5944 — 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 (832) 821-5944 BEFORE contacting your card issuer.

What Happens If You File a Chargeback

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

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:

Visa-Specific Chargeback Defense (Compelling Evidence 3.0)

Flash Pay's evidence submission is specifically structured to meet Visa's Compelling Evidence 3.0 (CE3.0) standard, which was updated in April 2023 to make it easier for merchants to win friendly fraud chargebacks. Under CE3.0:

• Flash Pay establishes a prior transaction history with the customer (where applicable), including identical card, billing address, and IP address — this shifts liability back to the card issuer;
• We submit the customer's IP address and device fingerprint from both the current transaction and any prior transactions as matching data points;
• We include evidence that the customer received and used the service (payment confirmation screenshot + customer acknowledgment).

Under CE3.0, where we can demonstrate two prior undisputed transactions with matching characteristics, the chargeback is substantially more likely to be resolved in Flash Pay's favor at the pre-arbitration stage.

Card Network Specific Chargeback Reasons — Why All Fail

Financial Consequences

If you file a chargeback after your bill has been paid and Flash Pay suffers a financial loss, you will be liable for all of the following:

Criminal Consequences

• Bank Fraud — 18 U.S.C. § 1344: Knowingly executing a scheme to defraud a financial institution. Penalty: up to 30 years imprisonment and $1 million fine;
• Wire Fraud — 18 U.S.C. § 1343: Using electronic communications to execute a fraud scheme. Penalty: up to 20 years imprisonment;
• Credit Card Fraud — 18 U.S.C. § 1029: Unauthorized or fraudulent use of a credit card. Penalty: up to 15 years imprisonment;
• Theft by Deception — applicable state criminal statutes: Obtaining property by deception. Penalty varies by state and amount.

Flash Pay reserves the right to refer credible cases of chargeback fraud to appropriate law enforcement authorities including the FBI, U.S. Secret Service, and local prosecutors. Flash Pay will cooperate fully with any criminal investigation arising from chargeback fraud.

Credit Reporting Consequences

If you default on your loan repayment obligation through a chargeback or otherwise, Flash Pay reserves the right to:

• Report the unpaid debt to consumer credit reporting agencies (Equifax, Experian, TransUnion);
• Report the chargeback to fraud databases used by financial institutions;
• Place the account in collections — which will independently report to credit bureaus;
• These actions may severely and adversely affect your credit score and your ability to obtain credit, housing, or employment in the future.

Account Consequences

Following a fraudulent chargeback, your Flash Pay account will be:

• Permanently banned — you will not be able to use Flash Pay for any future transactions;
• Flagged in our fraud database — shared with partner platforms if applicable;
• All pending transactions will be cancelled immediately.

Scenarios and How to Handle Them

Our Resolution Commitment

When you contact Flash Pay with a legitimate concern, we commit to:

• Responding within 2 hours during business hours (Monday–Saturday 8 AM–8 PM CST) and within 4 hours on Sundays and holidays for active transaction issues;
• Investigating all legitimate concerns thoroughly and honestly;
• Providing you with the ACH payment reference number for your payee in any payment confirmation dispute;
• Working with you to resolve issues without resorting to legal action wherever possible;
• Being transparent about what we can and cannot do in each situation.

How to Contact Flash Pay

Right to Update

Flash Pay reserves the right to update this Refund and Chargeback Policy at any time. Material changes will be posted on our website with a revised effective date. Continued use of the service after the effective date constitutes acceptance.

Relationship to Other Documents

This Refund and Chargeback Policy is part of the overall legal framework governing your use of Flash Pay, alongside:

• Terms and Conditions — the master agreement governing your use of Flash Pay;
• Loan Agreement — the specific agreement executed for each individual transaction;
• Privacy Policy — governing how we collect, use, and protect your personal information.

In the event of any conflict between this Policy and the Loan Agreement, the Loan Agreement controls for the specific transaction. In all other respects, the Terms and Conditions control.

Acceptance