Three things can send money back: a refund you choose, a bank payment that bounces, and a card dispute. Each is handled inside your account, listed on the payout statement, and explained before you confirm anything.
Full or partial, from any payment in your account. The customer is told right away and the fee treatment is shown before you confirm. The refund is netted out of your next payout and listed there.
If a bank payment bounces, Flow marks it Returned, emails you and the customer, reopens the balance on their record, and tells your software. Nothing is paid out for a returned payment.
If a customer disputes a card charge, you see it in your account with the reason and the reply deadline, and you reply from there with your evidence. A lost dispute is reversed and listed on the statement.
Every payout statement adds up to the cent. Here is where each item lands.
| Event | What Flow does | On the statement | Your software hears |
|---|---|---|---|
| Refund | Sends the money back; emails the customer | Listed under the next payout, netted out | payment.refunded |
| Returned bank payment | Marks it Returned; reopens the balance; emails both | Listed; nothing paid out for it | payment.returned |
| Dispute opened | Shows the reason and the deadline; you reply inside Flow | Flagged with the deadline | payment.disputed |
| Dispute won | Nothing changes | Marked won | status update |
| Dispute lost | Reverses the payment | Listed as reversed | payment.reversed |
Fraud checks run before a card payment is approved. A payment that looks stolen is declined before it reaches you.
Most disputes start with a customer who does not recognise a charge. Your business name, not ours, is what they see.
A receipt the moment it clears, with your name and what it was for, answers the question before it is asked.
The fee treatment for a refund is shown in your account before you confirm it. Nothing is hidden and nothing is charged for a refund you did not confirm.
The deadline is set by the card network and shown next to the dispute in your account, with a reminder before it passes.
The tenant's balance reopens, you both get an email, and if they use DW Resident or your own software, the balance reopens there too.
Create your account, connect your bank, send your first payment link. One price per payment, one deposit, your name on everything. No monthly fee.
by Dark Water