Post-Purchase Installment FAQ’s
What is FlexPay?
FlexPay allows you to split credit card transactions greater than or equal to $100 into fixed, equal monthly payments with no interest — just an affordable, fixed fee.
Will I still earn rewards?
Yes, if your credit card is enrolled in a rewards program, you will still earn rewards the same way you always do.
Will I pay interest on a plan?
You will not be charged interest on a transaction once it’s in a FlexPay plan. Instead, there’s a fixed monthly fee for each plan that’s disclosed upfront.
Will it affect my credit score?
FlexPay has no effect on your credit score and doesn’t count as an additional line of credit. Any balances held in FlexPay plans will reduce your available credit limit.
How does FlexPay work?
FlexPay works by utilizing the available balance on your credit card. You simply select a qualifying transaction, choose a payment plan that works for your budget, and confirm. The transaction amount is divided into equal payments. The remaining balance will be held on your credit card until the final payment is made.
How do I sign up?
There’s no need to sign up. FlexPay is a perk of your Commerce Bank credit card!
How do I create and use a FlexPay plan?
You can create a plan by selecting a qualifying transaction from your account activity or through the FlexPay Plans dashboard.
What transactions qualify?
Any transaction greater than or equal to $100 with the “FlexPay” icon 
next to it qualifies. Cash advances, balance transfers, or transactions using convenience checks, or any associated fees are not qualified for FlexPay.
next to it qualifies. Cash advances, balance transfers, or transactions using convenience checks, or any associated fees are not qualified for FlexPay.Can I cancel or change a plan once it’s set up?
Installment Plans cannot be cancelled after they have been set up, but you can choose to pay the FlexPay plan early by paying the new balance, shown on your most recent Statement, in full. If you pay a FlexPay plan off early, you will not incur any future FlexPay plan fees for that FlexPay plan.
How will using FlexPay affect my monthly payment?
Your FlexPay plan payment will be added to your minimum payment due on your statement.
Is there a limit on the number of plans I can have at once?
You may have up to 10 active or pending plans on your account at one time.
How do I make payments for a FlexPay Plan?
You won’t need to make a separate payment for your active plans. We’ll automatically add the FlexPay plan payment to your minimum payment due each billing cycle. If you pay at least your minimum payment when it’s due each billing cycle, you’ll pay off your FlexPay plan on time.
Can authorized users create a FlexPay plan?
Only the primary account owner can create a FlexPay plan.
What if I’m enrolled in Toggle®?
Toggle® transactions set to “Pay Now®” will not qualify for FlexPay. However, if you unwind a Toggle® transaction, once it posts to your account, that transaction could be qualified for FlexPay. Pay Later transactions that meet the eligibility criteria on your account are qualified for FlexPay.
What if my autopay is set up to pay my balance in full each month?
You don’t need to take any action — your autopay will pay the full transaction balance and then pay off your first monthly FlexPay plan payment due.
