I think I’ve figured it out, it’s nothing to do with extras as BA don’t charge extras for this.
Essentially BA charge for the whole amount initially. Then they split the payment into the two seats booked at a later date.
Previously, when I didn’t Flex, they initially showed as (for example):
British Airways - £500
Then a few days later change to:
British Airways - £250
British Airways - £250
So I’m paying the same.
What I assume happens behind the scenes is a technical refund of the £500 followed by two charges for £250.
For Flex, they will see a “credit” of £500, then a debit of two £250. I’m assuming the Flex is then reset so that it’s “whatever has been paid on the Flex already taken from the 2x £250 charges and the remainder is then “reFlexed” over three months.
I honestly cannot see anything else being the cause.
One thing to add is - because you had paid back £273 already through an extra payment - when the refund came in - it meant that your transaction amount became £482.94 - £273 - £482.94 / 2 = -£31.53 which got sent to your current account since you can’t have a transaction with a negative amount.
As you said there were 2 presentments here:
A refund
A request for £241.47
Annoyingly there’s no ideal way solve this… options are:
Create logic to delay when we process presentments in case we receive a 2nd presentment at some point in the near future. If we do then we can group those 2 presentments together. This is really complex and it’s not great to create logic on a critical payment processing path to delay things just in case something happens at some future time when we can’t know what that future time is.
Create bespoke presentment logic for individual merchants
Add in better help so that it’s clearer what’s happened - again this is likely to have to be merchant specific.
Hi guys, wondering if anyone or @TheoGibson can answer.
So I missed my flex payment this morning as I hadn’t moved money from pots (silly mistake I know) so therefore my payment missed. As soon as the payment missed I moved money and paid it straight away.
Will this go down as a missed payment? or technically because I paid it on the day will I be okay?
Just wondering if this has happened to others and they have an answer or shall I contact chat?
You’re fine from a missed payment point of view and your credit file.
If the payment had failed again in 7 days when we automatically retry, we may then report to credit reference agencies as a missed payment.
You can assign your flex payment to come from your pot automatically, just tap add payments in the manage section of your pot, and select the monzo product. No concerns about missing future payments then
I think so, because it works the same way as direct debits. It’s not actually paid from a pot, it’s paid from the main account and the money is moved there seconds before.
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