Assess it honestly
We check the claim against its filing window and tell you straight whether it is worth pursuing. If it is weak, you hear that first — before you spend time on it.
Read moreAbout FlowRefund
Built for people who were charged wrongly.
We are a refund-claims preparation service. We take what happened to you, turn it into a documented claim, and put it in front of the people who can actually reverse the charge — then follow it to a decision.
Check your claimNo win, no feeEvidence-ledDeadline tracked
Why we exist
A refund is won on paper, long before anyone says yes.
Most people who are wrongly charged never get their money back — not because they were in the wrong, but because the process defeated them. The evidence was thin, the wording was vague, or a deadline nobody mentioned quietly passed.
We exist to close that gap. You tell us what happened in plain language; we work out what the provider will actually need to see, chase the gaps, and file it properly while there is still time.
- 9
- Case types we prepare claims for
- 60–120
- Days to file, depending on the case
How we work
Three things we do on every case.
Assemble the evidence
Each case type has documents that actually carry weight with a provider. We show you the checklist, take what you have, and chase what is missing.
Read moreFile and follow through
Your evidence becomes a structured claim, filed with the right party under the right rules, then followed up until there is a decision on the record.
Read moreWhat we hold ourselves to
Three commitments we will not trade away.
This is a service people come to when they already feel messed about. The least we can do is be straight with them.
A claim that asserts is a claim that gets refused. We work backwards from what the provider has to justify their decision with — the receipt, the correspondence, the statement line — and build the case around those, not around how strongly you feel about it.
Every case type has a filing window counted from the transaction date, and some are as short as 60 days. We put that clock on your case the moment you start, warn you when it is close, and will not let a claim quietly expire in a queue.
We cannot guarantee an outcome, and we will not pretend otherwise — the decision sits with the merchant, your bank, or the card scheme. What we will do is tell you before you invest any effort whether we think the claim actually stands up.
Our commitments
What you can hold us to.
01
Evidence over assertion
We build the case out of documents a provider can act on, not out of how strongly it is argued.
02
We watch the clock
Your filing deadline is tracked from day one, and we warn you well before it closes.
03
Your documents stay private
Access-controlled storage, and identity documents need a second authentication factor to open.
04
We say when it is weak
If a claim will not stand up, you hear it from us before you spend any more time on it.