What is Flow Commerce Canada Charge On Credit Card

I would blame the complex descriptions like Flow Commerce Canada used by service providers to put you in a situation where you will keep scratching your head about any such charge mentioned in your credit card statement. There are some implications from local financial authorities which oblige them to use such mysterious descriptions which only they can understand and a layman will be left in perplexion forever.

Flow Commerce is a company based in Canada, that provides services to ecommerce platforms for conducting their transactions. For instance, if I buy something from Amazon, and I receive something mentioned as Flow commerce on my credit or debit card statement, I will be definitely worried if my credit card is compromised, as there are many such scenarios being reported every other day.

This guide will help you clearly identify the charges mentioned as Flow Commerce Canada on your credit card statement and determine their legitimacy. I have explained the Flow Commerce in an easy way for you to understand and make sense of. If you ascertain that these charges are unauthorizedly levied then I have also mentioned the procedure which you shall follow to report the same, dispute and stop any such happening in the future.

Know The Flow Commerce Canada Charge

Flow Commerce Canada is a charge that may appear on your credit card statement when you have bought something from an online merchant that uses Flow which is a cross-border e-commerce platform that helps many businesses to sell their products globally. Flow operates the payment processing, currency conversion, taxes, duties, shipping, and customer service for these merchants, and charges a fee for its services. 

What Does Flow Commerce Canada Charge On Credit Card Mean?

Charges mentioned as Flow Commerce Canada may also appear as FLOW COMMERCE CANADA, FLOW*COMMERCE, or something similar. These fees for your online purchase may show up as a separate charge on your credit card statement, or sometimes it might be included in the total amount of your purchase. Flow works with various 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. 

Explanation Of The Charge

There are a few possible causes why you may see a Flow Commerce Canada charge mentioned on your credit card statement. I have mentioned some of them below, check if they ring a bell;

• You have 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 link to their 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 later. Many times, 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 the item has arrived quite late, or if you purchase things frequently online. In this case, I would suggest that you check your email inbox and spam folder for any order confirmation emails or receipts from that same 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, I would suggest that you should contact the merchant or Flow directly, and ask them to fix the error and refund you the excess amount. Make sure you have proof to provide of your purchase, like your order confirmation email or receipt, and your credit card statement.

Some charges many times will come through as an alternative trading name for the same company or also list the location where the company is headquartered, rather than the location of your purchase. Also, the naming conventions adopted that try to provide clarification may be even more challenging for some vendors. According to the Merchant Data Standards of Visa, the name must clearly convey both the name most often and prominently displayed by the merchant and also the merchant’s “Doing Business As” (DBA) name. 

Another issue enhancing the confusion is that transaction data is only limited to 25 characters. Most of the merchants consider this length as sufficient, but when it’s not, some interesting abbreviations are randomly used widely. Some transactions may also require that additional data must be included in those 25 characters. Sometimes, you might have noticed that websites redirecting you to a different payment processor may include a mix of both companies. While both names help explain your order, not all purchases at the same time are that clear.

Contacting The Flow Commerce

Post the above-mentioned process, you have now concluded that the charges levied are legitimate then no further action is required. But, if you’re still confused about the charge and its origin and have other reasons to believe that it’s unauthorized then I would recommend you to immediately contact Flow Commerce. They must be happy to help you understand the charge details and clear any other pertinent doubts.

Here’s How To Contact Flow Commerce:

• Visit the official website of the concerned and find their contact details. In such cases, contact details must only be trusted from official sources.
• Call the customer service number or write an email, explaining the issue. Make sure you mention all details, some screenshots could help them understand early and easily.
• If you are talking to them, make sure you don’t provide any bank details, and take your time to understand the issue briefly.

Conclusion

Keeping track of all your spending and monitoring them regularly could quickly help you identify any difference in the expenses and then you can encircle the suspicious transactions based on the amount. Credit card scams are at an all-time high nowadays. As soon as you find any suspicious activity on your credit or debit card, the first thing I would recommend you do is to immediately get your card blocked to stop any further damage. 

Frequently Asked Questions

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