Flex

Financial Services86% confidence

Flex, operated by Flexible Finance, Inc., is a financial technology company that lets renters split their monthly rent and certain housing bills into smaller payments using a line of credit. The service pays rent in full to the property and then collects repayment from the renter, charging a membership fee and payment processing fees.

New York, New York, United States

About Flex

Flex is a U.S.-based financial technology company, operated by Flexible Finance, Inc., that focuses on making rent and housing-related bills easier to manage. Through its Flex Rent and related products, the company pays your full rent or approved housing bills to your property or biller and then lets you repay Flex in smaller installments over the month. Flex operates through partner banks such as Column N.A. and Lead Bank and is headquartered in New York, New York.([getflex.com](https://getflex.com/?utm_source=openai))

A charge labeled something like "Flex* Simple San Francisc/Ca" on your card statement is very likely associated with a Flex membership fee, rent or bill repayment, or related transaction processed through their systems. The "Flex*" portion reflects the brand/trade name, and additional words such as "Simple" and a city/state tag (e.g., San Francisco, CA) often indicate an internal plan name, product routing, or processing location rather than a separate merchant. Common charge types include the monthly membership fee, bill payment fee (a percentage of your rent or bill amount), and any card-processing surcharge when you use a credit card.([help.getflex.com](https://help.getflex.com/hc/en-us/articles/32287599281943-How-do-Flex-Rent-credit-lines-work?utm_source=openai))

If you have questions about a Flex charge, the best approach is to log into the Flex app or your account on their website to review your current and past payments, billing schedule, and fee breakdown. Flex’s help center details how each fee works and how payments are scheduled, and the app shows individual transactions corresponding to the card charges you see from Flex. If something looks wrong, you can contact Flex support directly through in‑app chat or by email/phone as listed in the app and on their site. They can confirm whether a charge is valid, explain what it was for, or assist with disputes and account cancellation. As with any unfamiliar transaction, you can also compare dates and amounts against your lease, portal receipts, and bank statements, and, if needed, follow up with your bank’s dispute process after attempting resolution with Flex.([help.getflex.com](https://help.getflex.com/hc/en-us/articles/32293160543383-How-does-my-rent-get-paid-through-Flex-and-what-do-I-need-to-do?utm_source=openai))

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Flex.

  1. Flex* Simple San Francisc/Ca

Frequently Asked Questions

Why do I see a charge from Flex on my card or bank statement?

Flex pays your rent or certain housing-related bills in full and then collects repayment from you in installments. Charges from Flex can include your monthly membership fee, bill payment fees tied to each repayment, and any applicable card-processing surcharge if you used a credit card. These amounts correspond to the payment schedule and fees shown in your Flex app or account.([help.getflex.com](https://help.getflex.com/hc/en-us/articles/32287599281943-How-do-Flex-Rent-credit-lines-work?utm_source=openai))

What does a descriptor like "Flex* Simple San Francisc/Ca" mean on my statement?

The "Flex*" portion identifies Flex as the merchant, while words like "Simple" and the city/state (e.g., San Francisco, CA) usually refer to internal plan names, product routing, or the processor location rather than a different company. To see exactly what you were billed for, open the Flex app and compare the charge date and amount with your recent Flex membership fee or scheduled rent/bill payments.([help.getflex.com](https://help.getflex.com/hc/en-us/articles/32287599281943-How-do-Flex-Rent-credit-lines-work?utm_source=openai))

How much does Flex typically charge in fees each month?

Flex generally charges a monthly membership fee (often around $14.99 per month, sometimes discounted for eligible users) plus a bill payment fee of about 1% of your total rent or bill amount each month. If you pay with a credit card, there is an additional card-processing surcharge (commonly around 2.5% of the payment), which makes the total card fee higher than using a debit card or bank account. Always check the current pricing details in the app or in Flex’s terms, as fees can change over time.([help.getflex.com](https://help.getflex.com/hc/en-us/articles/32287599281943-How-do-Flex-Rent-credit-lines-work?utm_source=openai))

How can I cancel my Flex membership so future charges stop?

You can cancel your Flex services directly in the Flex app. Typically, you go to your account or settings section and follow the prompts to cancel before your next billing cycle. Once canceled, Flex will no longer pay your rent going forward and future membership fees should stop, but you remain responsible for paying off any outstanding Flex balance and for paying your rent directly to your property. If you’re unsure whether cancellation went through, contact Flex support through the app or their listed email/phone for confirmation.([help.getflex.com](https://help.getflex.com/hc/en-us/articles/32287599281943-How-do-Flex-Rent-credit-lines-work?utm_source=openai))

Why was I charged by Flex after I thought I didn’t use it this month?

Flex’s membership fee and bill payment fees are tied to your subscription status and any rent or bill payments processed through the service for that month. If your account remained open and Flex paid your rent or a housing bill—even if you only used it once—you can still be charged the applicable membership and bill payment fees. Review your current month’s activity in the app; if you believe Flex did not pay your rent or bills and you were still charged, reach out to Flex support with screenshots of your transaction history.([help.getflex.com](https://help.getflex.com/hc/en-us/articles/32287599281943-How-do-Flex-Rent-credit-lines-work?utm_source=openai))

Does Flex place temporary authorization holds or small test charges on my card?

Flex may place temporary authorization holds when you add or update a payment method or when it is preparing to collect a scheduled payment. These holds verify that your card or bank account is valid and typically disappear or convert into a posted charge once the real payment is processed. If you see a pending Flex amount that later vanishes or is replaced by a finalized charge for the same or similar amount, it is usually this authorization process at work.([help.getflex.com](https://help.getflex.com/hc/en-us/articles/32293160543383-How-does-my-rent-get-paid-through-Flex-and-what-do-I-need-to-do?utm_source=openai))

How do I get a refund or fix an incorrect Flex charge?

Start by checking your Flex app to confirm what the charge was for and whether it matches a scheduled payment or fee. If you still believe it’s incorrect—for example, a duplicate charge or a charge after cancellation—contact Flex through the app’s help section, by email, or by phone, explaining the issue and providing dates and amounts. Flex can review the transaction, reverse an error if appropriate, or provide documentation you can use if you need to open a dispute with your bank.([help.getflex.com](https://help.getflex.com/hc/en-us/articles/32293160543383-How-does-my-rent-get-paid-through-Flex-and-what-do-I-need-to-do?utm_source=openai))

How can I verify that a Flex charge is legitimate and not fraud?

Log into your Flex account and compare the date, amount, and last four digits of the card used with what appears on your bank or card statement. Make sure it matches a membership fee or a scheduled rent/bill payment shown in the app. If you don’t have a Flex account, or no transactions match what you see on your statement, immediately contact your bank to report potential fraud and also reach out to Flex support so they can check whether the card number is associated with any Flex profile.([getflex.com](https://getflex.com/?utm_source=openai))

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