Introducing Monzo Flex – a better way to pay later 🚀

PayPal purchases are automatically set to any card pick up. It is not the case when paying directly via a debit/credit card, for the vast majority of retailers.

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Similar to PayPal purchases, work tickets bought a corporate travel portal will automatically default to any card pick up. Thats not the case most of the time when bought through standard public retail channels.

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That is a good question! I’m not sure to be honest, but I can try and find out in work tomorrow.

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I have scenario that help does not seem to address.

I pay for something using flex virtual card. I do not have access to internet for two days because I am travelling without roaming. Transaction defaults to 12 instalments.

Is it possible to switch from 12 months to a 6 months plan?

Is it possible to switch from 12 months to a 3 month plan?
Will that be interest free switch?
Within the first two weeks or some such?

It seems to me that choosing a plan by end of next day is too short on weekends, or when internet access is patchy (travelling), or it is unknown when the payment is taken (i.e. preauthorized regular payments).

It almost feels like payment with debit card, without section 75 protection, lower interchange fees earnings for Monzo, is better as one has longer time to flex the transaction.

The help text doesn’t seem to answer the above:

Dont you need internet to use Google/Apple Pay?

Can’t speak for Google Pay, but you do not need internet for Apple Pay.

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I Googled it. They store tokens and only allow a few offline transactions.

Yes.

Yes but it wont be interest free. Thats mentioned in your screenshot of the help article.

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no i have also bought tickets and got friends to pick them up using their card and its worked fine

Some retailers set the card pick up flag to any card by default, the majority of them still require the payment card.

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What does the day of the week have to do with anything?

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Weekends have less hours in them

That’s why it’s always a shock that Monday comes around so quick

Well known fact

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That’s next weekend, not this one :wink:

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From a different thread, intended design or oversight :eyes: can hide Flex account like a pot

I have just noticed it doesn’t let you flex transactions that have flux receipts on them sometimes. That’s strange

You say Flex, I say Flux, Let’s call the whole thing off :musical_note:

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What does it say when you try?

The option just doesn’t show on the transaction

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I can also confirm that the Flux receipt doesn’t show when paying at Just Eat with your Flex card. Neither does the ‘add receipt’ button.

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Hopefully someone at monzo sees this