Flexible payment options

If you have a Fundbox Line of Credit, use your Flex Account* to pay important business expenses. You’ll get 3 extra business days to pay—with no fees.

*Flex Account is a business demand deposit account established by Pathward, N.A., Member FDIC.

Peace of mind

Gain confidence that your most important expenses can be paid on time.

More time to pay

Get 3 extra business days to repay—with no fees when you pay by ACH or debit card, or a small processing fee when you pay by credit card.

Repayments your way

Repay Fundbox within the 3-day grace period or the outstanding amount will automatically continue as a draw on your line of credit—up to your available credit limit.

How it works

1. Get your Flex Account details
Once you’ve logged in and signed the Flex Pay Terms and Conditions, your newly created Flex Account details will be available in your dashboard. Simply copy the account and routing numbers and paste them into your vendors’ payment platforms. We’ll use your Flex Account to pay your expenses when we receive the ACH request from your vendors.
2. Pay with your Flex Account
When your vendors debit your Flex Account, we’ll cover the expense—up to your available limit. Flex Pay helps to ensure that your payments are made on time, giving you 3 extra business days to repay.
3. Repay your way
You can repay from your dashboard within 3 business days—with no fees when you pay by ACH. Otherwise, the outstanding amount will automatically continue as a draw on your available line of credit—up to your available credit limit (on a 12 or 24 week term, based on your preferences). If you do not have enough credit available, we will debit the difference from your primary business bank account.

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Where to use your Flex Account routing and account numbers

To replace online bill pay

If you pay using your bank’s online bill pay feature, you can instead pay the vendor directly using your Flex Account details.

To pay invoices

If your invoices ask for ACH details, use your Flex Account number and routing numbers in place of your business bank account details.

To pay with PayPal or Venmo

If you pay with a digital payment app, simply add your Flex Account number and routing number as your payment method and follow the confirmation instructions, or automatically connect with your Fundbox username and password. Digital payment app terms may apply.

To cover payroll

If you’re using Flex Pay for payroll, swap your current business bank account details with your Flex Account number and routing number, or automatically connect with your Fundbox username and password.

Choose how you pay

ACH and debit card repayment

Repay your Flex Pay transactions from your default bank account (processing takes around 2-3 days) or through your debit card for an instant repayment and line replenishment—with no fees.

Credit card repayment

In addition to repaying by ACH or debit card during the 3-day grace period, you can repay using a credit card - a small processing fee applies. Credit card payments are not available in all US states.

Alternative bank account

Connect multiple bank accounts for Flex Pay transactions and payments. Select a default account specifically for Flex Pay transactions and choose your preferred account when making payments.

Split payments

Use your preferred payment method to make a partial repayment of a Flex Pay transaction during the grace period. The outstanding amount will automatically continue as a draw on your line of credit—up to your available credit limit.

Frequently asked questions

People often ask

What are the common ways customers use Flex Pay?

Customers use Flex Pay for important business expenses they do not want to (or cannot) put on a credit card. Flex Pay can be used for payroll, insurance, taxes, raw materials, inventory, leases, and more.

How do I repay?

You can repay directly from your dashboard using your connected bank account, debit card, or credit card.* If you repay within the 3-day grace period, there are no fees when repaying by ACH or debit card. Otherwise, the outstanding amount will automatically continue as a draw on your line of credit—up to your available credit limit.

*Credit card payments are not available in all US states.

Are there fees to repay with a credit card?

Yes, there is a small processing fee when repaying with a credit card.

What if I do not have enough available credit when it’s time to repay?

If you do not repay before the end of the 3-day grace period, the outstanding balance will automatically continue as a draw on your credit line—up to your available credit limit. If you do not have enough credit to cover the entire Flex Pay transaction, we will debit the difference from your connected business bank account.

See more FAQs

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