If you’re like most people, you probably use your credit card to shop online from various websites and platforms. Sometimes, you may see a charge on your credit card statement that you don’t recognize or remember making. One of these charges may be flow commerce canada, which may appear as FLOW COMMERCE CANADA, FLOW*COMMERCE, or something similar.
What is flow commerce canada charge on credit card?
Flow commerce canada is a charge that may appear on your credit card statement when you buy something from an online merchant that uses Flow, a cross-border e-commerce platform that helps businesses sell their products globally. Flow handles the payment processing, currency conversion, taxes, duties, shipping, and customer service for these merchants, and charges a fee for its services. This fee may show up as a separate charge on your credit card statement, or it may be included in the total amount of your purchase.
Flow works with many online merchants across different industries, such as fashion, beauty, electronics, home, and more. Some of the merchants that use Flow are Allbirds, M.Gemi, Reformation, Outdoor Voices, and MVMT. You can find a full list of Flow’s partners on their website.
Why did I see a flow commerce canada charge on my credit card?
There are a few possible reasons why you may see a flow commerce
- You bought something from an online merchant that uses Flow, and the charge is legitimate. In this case, you should be able to match the charge amount and date with your order confirmation email or receipt from the merchant. You may also see the merchant name or website on your statement, along with the flow commerce canada charge.
- You bought something from an online merchant that uses Flow, but you forgot about it or didn’t notice it. Sometimes, you may not realize that you’re buying from a merchant that uses Flow, especially if you’re browsing through different websites or platforms. You may also forget about your purchase if it takes a long time to ship or deliver, or if you buy a lot of things online. In this case, you should check your email inbox and spam folder for any order confirmation emails or receipts from the merchant, and see if they match the charge amount and date on your statement.
- You bought something from an online merchant that uses Flow, but the charge is incorrect or duplicated. Sometimes, there may be a mistake or a glitch in the payment processing system, and you may be charged more than once, or more than the correct amount, for your purchase. In this case, you should contact the merchant or Flow directly, and ask them to fix the error and refund you the excess amount. You may also need to provide proof of your purchase, such as your order confirmation email or receipt, and your credit card statement.
- You didn’t buy anything from an online merchant that uses Flow, but the charge is fraudulent. Sometimes, your credit card information may be stolen or compromised by hackers, scammers, or identity thieves, and they may use it to make unauthorized purchases from online merchants that use Flow. In this case, you should report the charge as fraudulent to your credit card issuer, and ask them to cancel your card and issue you a new one. You should also monitor your credit card statements and credit reports for any other suspicious or fraudulent activity, and take steps to protect your personal and financial information.
How to deal with a flow commerce Canada charge on credit card?
If you see a flow commerce canada charge on your credit card statement, and you’re not sure what it is or why it’s there, here are some steps you can take to deal with it:
- Review your credit card statement and look for any other information that may help you identify the charge, such as the merchant name, website, date, amount, and currency. You may also see a reference number or a transaction ID that you can use to track your order or contact the merchant or Flow.
- Check your email inbox and spam folder for any order confirmation emails or receipts from the merchant that may match the charge. You may also check your online account or profile with the merchant, if you have one, and see your order history and status.
- Contact the merchant or Flow directly, and ask them to explain the charge and provide you with more details. You may also ask them to send you a copy of your invoice or receipt, or a screenshot of your order confirmation. You can find the contact information of the merchant on their website, or of Flow on their website.
- If the charge is legitimate, but you want to cancel or return your order, you should follow the merchant’s or Flow’s cancellation or return policy, and request a refund. You may need to pay for the shipping or restocking fees, depending on the terms and conditions of the merchant or Flow.
- If the charge is incorrect or duplicated, you should ask the merchant or Flow to fix the error and refund you the excess amount. You may need to provide proof of your purchase, such as your order confirmation email or receipt, and your credit card statement.
- If the charge is fraudulent, you should report it to your credit card issuer, and ask them to cancel your card and issue you a new one. You should also dispute the charge and request a chargeback, which is a process where your credit card issuer reverses the charge and returns the money to your account. You may need to provide proof of the fraud, such as your credit card statement, and any communication or evidence that you have with the merchant or Flow.
- If the charge is still unresolved, you may contact your local consumer protection agency, or file a complaint with the Better Business Bureau or the Federal Trade Commission, and seek legal advice or assistance.
Solutions and Tips for Resolving Flow Commerce Canada Charges
Verify the Purchase
If you’re uncertain about a Flow Commerce Canada charge, start by verifying the purchase. Check your email for order confirmations or shipping notifications from the merchant. This can help confirm whether the charge is legitimate.
Contact Customer Support
In case of any discrepancies or concerns, reach out to Flow Commerce’s customer support. They can provide detailed information about the charge, including the breakdown of costs and the specific transaction it relates to.
Review Credit Card Terms
Familiarize yourself with your credit card’s terms and conditions, especially regarding international transactions. Understand the potential fees associated with currency conversion and consider using credit cards with favorable terms for cross-border shopping.
Keep Records
Maintain records of your online purchases, including receipts, order confirmations, and shipping information. These documents can serve as valuable evidence if you need to dispute a charge or seek clarification.
FAQs – Flow Commerce Canada Charge On Credit Card
Here are some frequently asked questions about flow commerce canada charge on credit card:
What is Flow?
Flow is a cross-border e-commerce platform that helps online merchants sell their products globally. Flow handles the payment processing, currency conversion, taxes, duties, shipping, and customer service for these merchants, and charges a fee for its services.
How can I tell if a merchant uses Flow?
You can tell if a merchant uses Flow by looking for the Flow logo or the words “Powered by Flow” on their website, checkout page, or order confirmation email. You can also check the list of Flow’s partners on their website.
How can I contact Flow?
You can contact Flow by visiting their website and filling out their contact form, or by emailing them at support@flow.io. You can also call them at +1 888-758-4389.
How can I protect myself from fraudulent charges?
You can protect yourself from fraudulent charges by following these tips:
- Use a secure and trusted website or platform to shop online, and look for the padlock icon or the “https” in the URL.
- Use a strong and unique password for your online accounts, and change it regularly.
- Use a credit card or a payment service like PayPal to shop online, as they offer more protection and security than debit cards or bank transfers.
- Review your credit card statements and credit reports regularly, and report any suspicious or fraudulent activity to your credit card issuer and the credit bureaus.
- Avoid clicking on links or opening attachments in unsolicited emails, texts, or calls, as they may contain malware or phishing scams that can steal your personal and financial information.
- Never share your credit card information, PIN, or security code with anyone, and don’t write it down or store it online.
How long does it take to get a refund from Flow?
According to Flow’s website, the refund process may take up to 10 business days, depending on your bank or credit card issuer. Flow will issue the refund to your original payment method, and you will receive a confirmation email when the refund is completed. If you have any questions or issues with your refund, you can contact Flow’s customer support team at support@flow.io or +1 888-758-4389.
Conclusion
Flow commerce canada charge on credit card is a charge that may appear on your credit card statement when you buy something from an online merchant that uses Flow, a cross-border e-commerce platform. The charge may be legitimate, incorrect, duplicated, or fraudulent, depending on the situation. If you see this charge on your statement, and you’re not sure what it is or why it’s there, you should review your statement and your email, contact the merchant or Flow, and take the appropriate action to resolve it. You should also protect yourself from fraudulent charges by following some simple tips and best practices.
