Returns & Refunds policy
Understanding the Flashfundingllc d/b/a Flash Pay Model
How Flashfundingllc d/b/a 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. Flashfundingllc d/b/a Flash Pay works differently. You do NOT pay Flashfundingllc d/b/a Flash Pay for a product or service in the traditional sense. Instead:
Flashfundingllc d/b/a 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.
The Key Distinction
Traditional Retailer
Flash Pay
You pay → receive product
Flashfundingllc d/b/a Flash Pay pays your bill → you repay Flash Pay
Refund = reverse the purchase
Refund = returning a loan that was already spent
Product not received = refund
Bill already paid = loan still owed
Chargeback = disputing a purchase
Chargeback = attempting to steal a loan repayment
Service fee refundable if not delivered
Service fee non-refundable — service was delivered
Order of Operations — Why Refunds Are Rarely Applicable
Here is the exact sequence of every Flashfundingllc d/b/a Flash Pay transaction:
Step
Action
Refund Implications
1 Customer submits request
No funds moved yet — request CAN be cancelled with no obligation
2 Flashfundingllc d/b/a Flash Pay reviews & verifies
No funds moved yet — request CAN be cancelled with no obligation
3 Customer signs Loan Agreement
Loan commitment made — cancellation still possible if bill not yet paid
4 Flashfundingllc d/b/a Flash Pay pre-authorizes card
Hold appears on card — refundable if bill not yet paid
5 Flashfundingllc d/b/a Flash Pay pays bill via ACH
LOAN IS ESTABLISHED — repayment obligation is now unconditional
6 Payment confirmation sent to customer
Service is 100% delivered — service fee is non-refundable
7 Card is charged — loan repaid
Transaction complete — no refund of loan repayment possible
Refund Policy
Flashfundingllc d/b/a Flash Pay Refund Policy Summary
Situation
Bill Amount Refund
Service Fee Refund
You cancel BEFORE Flashfundingllc d/b/a Flash Pay pays your bill
✅ Full refund — no obligation
✅ Full refund
Flashfundingllc d/b/a Flash Pay cannot verify your payee details
✅ Full refund — request cancelled
✅ Full refund
Flashfundingllc d/b/a Flash Pay declines your request
✅ Full refund — not processed
✅ Full refund
Your card pre-authorization fails
✅ Full refund — not processed
✅ Full refund
Bill paid to WRONG account — Flashfundingllc d/b/a Flash Pay error
✅ Flashfundingllc d/b/a Flash Pay pursues recovery
✅ Full refund
Bill paid to WRONG account — your error
❌ Loan still owed in full
❌ Non-refundable
Bill paid correctly — you changed your mind
❌ Loan still owed in full
❌ Non-refundable
Bill paid — you dispute with payee
❌ Loan still owed in full
❌ Non-refundable
Bill paid — payee disputes receipt
❌ Loan still owed (Flashfundingllc d/b/a Flash Pay will assist)
❌ Non-refundable
Bill paid — duplicate request identified
❌ Refund less $25 duplicate fee
❌ Non-refundable
Cancellations Before Bill Payment — Full Refund
If you need to cancel your payment request BEFORE Flashfundingllc d/b/a Flash Pay has paid your bill, contact us immediately:
Text 832-821-5944 — fastest response
Email: Contactus@flashfunding.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.
How to check if your bill has been paid: If you have NOT received a payment confirmation screenshot from Flashfundingllc d/b/a Flash Pay via WhatsApp or email, your bill has not yet been paid and your request may be cancellable.
Service Fee — Non-Refundable Once Bill Is Paid
The service fee is earned by Flashfundingllc d/b/a 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 Flashfundingllc d/b/a Flash Pay error — see Section below on Flashfundingllc d/b/a 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 Flashfundingllc d/b/a Flash Pay Error)
Once Flashfundingllc d/b/a Flash Pay has paid your bill:
The loan obligation is unconditional. You owe Flashfundingllc d/b/a 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, Flashfundingllc d/b/a Flash Pay will assist you in pursuing the payee but your loan repayment obligation to Flashfundingllc d/b/a 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.
Flashfundingllc d/b/a Flash Pay Error — How We Handle Misdirected Payments
If Flashfundingllc d/b/a 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 Flashfundingllc d/b/a Flash Pay (not to incorrect information you provided), we will:
Immediately attempt to recall the ACH payment — ACH recalls are not guaranteed to succeed but we will pursue all available recovery mechanisms;
Work with you and the misdirected recipient to recover the funds;
If recovery is unsuccessful, absorb the loss — you will not owe Flashfundingllc d/b/a Flash Pay for a misdirected payment caused by our error;
Refund the service fee in full;
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 Flashfundingllc d/b/a Flash Pay error. You remain fully liable for the loan amount in those circumstances.
Refund Processing Timeline
Refund Type
Flashfundingllc d/b/a Flash Pay Processing
Appears on Your Card
Pre-authorization release (card never charged)
1–2 business days
3–7 business days
Cancellation before bill payment
1–2 business days
3–7 business days
Flashfundingllc d/b/a Flash Pay error — confirmed refund
2–3 business days
5–10 business days
Service fee refund (error cases only)
2–3 business days
5–10 business days
Chargeback Policy
⚠ Chargeback Prohibition — Read This First
FILING A CHARGEBACK ON A FLASHFUNDINGLLC D/B/A FLASH PAY TRANSACTION AFTER YOUR BILL HAS BEEN PAID IS NOT A LEGITIMATE DISPUTE RESOLUTION MECHANISM — IT IS AN ATTEMPT TO RECOVER A LOAN YOU ALREADY RECEIVED. IT MAY CONSTITUTE FEDERAL FRAUD AND WILL BE VIGOROUSLY CONTESTED BY FLASHFUNDINGLLC D/B/A FLASH PAY WITH FULL LEGAL EVIDENCE.
Why Chargebacks Do Not Apply to Flashfundingllc d/b/a Flash Pay Transactions
Chargebacks were designed to protect consumers who did not receive goods or services they paid for. In a Flashfundingllc d/b/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 Flashfundingllc d/b/a Flash Pay charge is if your identity or card was used by someone else without your authorization to create a Flashfundingllc d/b/a Flash Pay request. If this has happened:
Contact Flashfundingllc d/b/a 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 Flashfundingllc d/b/a 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 Flashfundingllc d/b/a Flash Pay transaction, the following will occur immediately:
Step
Timeline
What Flashfundingllc d/b/a Flash Pay Does
1 Within 24 hours
Flashfundingllc d/b/a Flash Pay is notified of the chargeback by Stripe. We flag your account immediately.
2 Within 24–48 hours
We attempt to contact you directly via WhatsApp and email to resolve the dispute without a formal fight.
3 Within 48–72 hours
We compile the full evidence package (see Evidence Package section) and submit it to the card network through Stripe's dispute portal.
4 Within 3 business days
We initiate ACH debit recovery per the authorization in your Loan Agreement and Terms of Service.
5 If chargeback lost
We pursue collections through a licensed agency and/or file suit in Harris County, Texas for the full amount plus fees and 18% default interest.
6 Ongoing
Your account is permanently flagged. Future Flashfundingllc d/b/a Flash Pay requests will be declined.
Flash Pay's Chargeback Evidence Package
Every Flashfundingllc d/b/a 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:
#
Evidence Item
Addresses
Network Reason Code Killed
1 Signed Loan Agreement with digital signature, IP address, UTC timestamp, device fingerprint, and geolocation — auto-captured at submission
Authorization
Visa 11.3 / MC 4853 / Amex C08
2 ACH payment confirmation screenshot — payee name, amount, date, bank reference number
Delivery
Visa 13.1 / MC 4853 / Amex C05
3 Customer's original payment request — WhatsApp/text/email with timestamp proving customer initiated the transaction
Authorization
Visa 10.4 / All 'not authorized'
4 Pre-authorization confirmation from Stripe — card was verified and authorized before bill was paid
Authorization
Visa 11.3 / MC 4853
5 SMS OTP verification log — proves customer had physical possession of the phone number provided
Identity
All 'not authorized' codes
6 Government-issued photo ID (front and back) — proves identity of the person who signed
Identity
All 'not authorized' codes
7 Customer acknowledgment of payment receipt — WhatsApp reply or email confirming bill was paid
Delivery
Visa 13.1 / All 'not received'
8 Card charge notification sent to customer — proves they were notified of the charge in advance
Notice
MC 4853 / Amex disputes
9 Statement descriptor warning sent to customer — proves they were told what would appear on their statement
Notice
'Unrecognized charge' disputes
10 Full communication log between Flashfundingllc d/b/a Flash Pay and customer — proves ongoing relationship and consent
Relationship
All friendly fraud codes
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:
Flashfundingllc d/b/a 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
Network & Code
Reason Description
Why It Fails Against Flash Pay
Visa 11.3
No Authorization
Customer signed Loan Agreement authorizing exact charge amount. IP + device + OTP verification prove identity.
Visa 13.1
Not Received
ACH confirmation + customer acknowledgment prove service was delivered before card was charged.
Visa 10.4
Other Fraud
Signed agreement, OTP, government ID, and IP match prove this is not fraud — it is an authorized transaction.
Visa 12.5
Incorrect Amount
Exact amount is disclosed in Loan Agreement and agreed to before bill is paid. Amount matches agreement exactly.
MC 4853
Cardholder Dispute
Flashfundingllc d/b/a Flash Pay provided the service (bill payment) exactly as described. Customer received and acknowledged payment confirmation.
MC 4841
Cancelled Recurring
This is a single, non-recurring loan repayment. There is no recurring billing and the dispute code is factually inapplicable.
Amex C05
Goods/Services Cancelled
Service was not cancelled — it was delivered. Customer did not cancel prior to bill payment.
Amex C08
Not Received
ACH payment confirmation and customer acknowledgment prove delivery prior to card charge.
Discover UA
Unauthorized Purchase
Signed Loan Agreement with digital signature, IP, OTP, and government ID prove authorization.
Any Network
'I don't recognize this charge'
Customer was notified in advance via WhatsApp of exact charge amount and statement descriptor 'FLASHFUNDINGLLC D/B/A FLASH PAY SVC'.
Consequences of Fraudulent Chargebacks
Financial Consequences
If you file a chargeback after your bill has been paid and Flashfundingllc d/b/a Flash Pay suffers a financial loss, you will be liable for all of the following:
Liability Item
Amount / Details
Full loan amount
The entire bill amount Flashfundingllc d/b/a Flash Pay paid on your behalf
Service fee
The Flashfundingllc d/b/a Flash Pay service fee for the transaction
Chargeback fee
$25–$100 per dispute (charged to Flashfundingllc d/b/a Flash Pay by Stripe/card network) — you reimburse this
Default interest
18% per annum or maximum state rate, from date of chargeback until fully paid
ACH debit recovery
Flashfundingllc d/b/a Flash Pay will initiate ACH debit from your bank account per the authorization in the Loan Agreement
Collections costs
All fees charged by the licensed collections agency engaged to recover the debt
Attorney's fees
All reasonable attorney's fees incurred by Flashfundingllc d/b/a Flash Pay in pursuing recovery
Court costs
All court filing fees and costs if Flashfundingllc d/b/a Flash Pay files suit
Criminal Consequences
⚖ Federal Fraud Warning
Filing a chargeback to avoid repaying a documented personal loan may constitute one or more federal crimes:
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.
Flashfundingllc d/b/a 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. Flashfundingllc d/b/a 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, Flashfundingllc d/b/a 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 Flashfundingllc d/b/a Flash Pay account will be:
Permanently banned — you will not be able to use Flashfundingllc d/b/a Flash Pay for any future transactions;
Flagged in our fraud database — shared with partner platforms if applicable;
All pending transactions will be cancelled immediately.
How to Resolve Issues Without a Chargeback
Always Contact Flashfundingllc d/b/a Flash Pay First
If you have any concern, question, or problem with a Flashfundingllc d/b/a Flash Pay transaction — CONTACT US FIRST. We are real people. We respond within 2 hours. We will resolve legitimate issues quickly and professionally. A chargeback takes 30–90 days to resolve and has serious consequences. A WhatsApp message to us takes 2 minutes.
Scenarios and How to Handle Them
Your Situation
Wrong Action
Right Action
I don't recognize the charge on my statement
❌ Call my bank immediately
✅ Text Flashfundingllc d/b/a Flash Pay — we'll confirm the transaction in minutes
I submitted wrong payee details
❌ File a chargeback
✅ Text Flashfundingllc d/b/a Flash Pay immediately — if bill not paid we can cancel
My bill was paid but payee didn't apply it
❌ File a chargeback
✅ Text Flashfundingllc d/b/a Flash Pay — we'll send your payee the ACH reference number
I changed my mind after the bill was paid
❌ File a chargeback
✅ Contact Flashfundingllc d/b/a Flash Pay — we can discuss options but loan is owed
I think I was charged the wrong amount
❌ File a chargeback
✅ Text Flashfundingllc d/b/a Flash Pay with your reference number — we'll verify immediately
My landlord is disputing the payment
❌ File a chargeback against Flash Pay
✅ Work with Flashfundingllc d/b/a Flash Pay — we'll provide ACH records for your landlord
I submitted a duplicate request
❌ Wait and see
✅ Contact Flashfundingllc d/b/a Flash Pay immediately — we'll cancel the duplicate
Someone used my info without permission
❌ File a chargeback
✅ Contact Flashfundingllc d/b/a Flash Pay AND your card issuer — we'll cooperate fully
Our Resolution Commitment
When you contact Flashfundingllc d/b/a 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
Channel
Contact Details
Response Time
WhatsApp / Text
832-821-5944
Fastest — under 30 minutes
Phone Call
832-821-5944
Business hours — under 2 hours
Contactus@flashfundingllc.com
Under 2 hours business hours
Website
www.flasfundingllc.com
Submit via contact form
Policy Updates and Acceptance
Right to Update
Flashfundingllc d/b/a 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
BY USING FLASHFUNDINGLLC D/B/A FLASH PAY — INCLUDING BY SUBMITTING A PAYMENT REQUEST OR SIGNING A LOAN AGREEMENT — YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO THIS REFUND AND CHARGEBACK POLICY IN ITS ENTIRETY.
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