FlexiPay & Cashback

Find out more information about our FlexiPay & Cashback products.

FlexiPay

Find the most commonly asked questions about our line of credit product below.

How do I apply for a FlexiPay line of credit?

You can apply using our simple online form. It only takes a couple of minutes to complete and you’ll find out your credit limit straight away.

Does applying for FlexiPay affect my credit score?

As a limited company, you can check their eligibility for FlexiPay and see your potential credit limit without impacting your credit score. This means you can decide if it's right for your business without any risk to your creditworthiness. We will only conduct a credit search if you choose to accept your FlexiPay offer.

What can I use FlexiPay for?

FlexiPay is designed to offer more flexibility with almost any business payment, including paying recurring bills like VAT, rent, and utilities, or even make supplier payments to manage your inventory without a long-term loan commitment.

How do I view my FlexiPay balance?

Both your spending balance and credit limit are easy to find in the mobile app or your online account. Simply sign in to view them on the 'Summary' page.

My supplier hasn't received the FlexiPay payment.

First, please double-check that the bank details you provided are accurate. If everything seems correct, it usually takes 1-2 business days for the payment to reach your supplier. If it has been over 2 business days, please call our team on [0203 308 9693](tel:0203 308 9693) or email us at flexipay@fundingcircle.com.

How quickly are payments made?

Your payment requests will usually be processed and paid within 1-2 business days of being submitted.

How do I report fraudulent transactions?

If you suspect fraudulent activity on your account, please call our Operations team on [0800 048 2467](tel:0800 048 2467) for assistance. If you have concerns outside of these hours, please freeze your card in the interim by logging in to your account.

How do I dispute a transaction?

If you need to dispute a transaction, you can call our Operations team on [0800 048 2467](tel:0800 048 2467) or email us at flexipay@fundingcircle.com.

How do I report my card as lost, stolen or damaged?

If your card has been lost or stolen, you can cancel and reorder a card by logging in to the mobile app or your online account. Select the 'Card' tab and choose 'Report and order card'. Your current card will be cancelled immediately and a new card will be ordered.

How do I repay my card balance?

You can spread the cost of card transactions over convenient monthly instalments, which are collected automatically via direct debit. Benefit from no fee when you pay your card off in 1 instalment.

Can I use my card abroad and what will I be charged?

Yes, you can use your card globally – anywhere that Visa is accepted. You'll be charged the applicable Visa rate and foreign exchange fee.

How do I start to pay my bank account with FlexiPay?

Sign in to your online account and head to the 'Pay' screen to pay a supplier. Enter your business bank details into the payment form, click 'Make a Payment' and select to 'Pay your bank account'.

Am I eligible to pay my bank account with FlexiPay?

Yes, you are able to transfer from your FlexiPay account to the same business bank account you use to make your FlexiPay repayments.

Why would I pay my bank account with FlexiPay?

You may borrow straight from your FlexiPay account to:

1. Pay suppliers in cash, when they request it
2. Transfer funds to cover direct debit payments
3. Cover bulk purchases or one-off expenses
4. Fund your petty cash for day-to-day needs

Is this the same as a cash advance?

In short, yes. However, cash advances typically include a higher fee and annual percentage rate (APR) separately.

How do I order my card?

You can order your card on our app which is available for download on the Google Play and Apple App stores.

I have not received my card.

Once your card is ordered, please allow up to 5 working days for delivery. If it has been more than 5 working days, feel free to contact our team on [0800 048 2467](tel:0800 048 2467).

How do I view my Card Limit, Spend, and Balance?

You can see your total credit balance in real-time within your account. This balance can be used for card transactions, transfers to suppliers, or bill payments.

Can I withdraw cash or request cashback?

You can only use your card for in-store and online purchases, so you are unable to withdraw cash or request cashback.

How do I change my PIN?

You can update your PIN at any ATM showing the VISA logo by selecting 'PIN Services' or 'Other Services' from the menu.

How can I cancel my card?

You can cancel your FlexiPay card by navigating to the 'Card' tab in your online account or mobile app.

Where can I find the legal agreements for Flexipay?

Please visit the legal agreements page to view all the Terms & Conditions.

Will I need to provide a personal guarantee for FlexiPay?

Yes, if approved for FlexiPay, a personal guarantee will be required from one or more directors.

Cashback Card

Find the most commonly asked questions about our cashback card product below.

I have not received my card.

It can take up to 5 working days after your application is approved for your card to arrive, so if it's been more than this, please call our Operations team on [0800 048 2467](tel:0800 048 2467).

How do I activate my card?

Please log into your online account or mobile app to activate your card once you have received it.

How do I view and/or retrieve my PIN?

Please log into your online account or the app, select the 'Card' tab and then select 'PIN'. Your PIN will be visible for 20 seconds.

How do I view my card transactions?

You can view all transactions you've made in the 'Overview' tab of your online account or under 'Home' in the app.

How do I view my card limit, spend and balance?

You can view your Cashback card limit, amount used and remaining balance on the 'Summary' page.

How do I view my monthly statements?

You can view monthly statements for all your card transactions in the 'Repayments' tab.

How do I change my PIN?

You can update your PIN at any ATM showing the VISA logo.

How do I report fraudulent transactions?

If you suspect fraudulent activity on your account, please call our Operations team on [0800 048 2467](tel:0800 048 2467).

How do I dispute a transaction?

If you need to dispute a transaction, you can call our Operations team on [0800 048 2467](tel:0800 048 2467) or email us at cashback@fundingcircle.com.

How do I report my card as lost, stolen or damaged?

If your card has been lost or stolen, you can cancel and reorder a card by logging into the app or your account.

Can I withdraw cash or request cashback?

You can only use your card for in-store and online purchases, so you are unable to withdraw cash or request cashback.

Can I see my balance and transactions in real-time?

Your balance and transactions will be visible in real-time in your online account or in the app.

How do I cancel a recurring payment?

If you'd like to cancel a recurring payment, please contact the merchant who can cancel it from their side.

Will I need to provide a personal guarantee for our Cashback card?

Yes, if you’re approved for the Cashback card, a personal guarantee will be required from one or more director(s).

How do I earn cashback?

You'll earn 2% cashback for the first 6 months on all card spend after you open your account, then 1% uncapped cashback after that. Your cashback will be automatically credited to your Cashback credit card account when you make a payment towards your statement at the end of the month.