The solution
Flex’s credit line works on invoices
Pay your Meta invoices through Flex using Bill Pay Later and get up to 60 days to repay.
For Meta Advertisers
We've brought float back to Meta Invoicing
Meta forced advertisers onto invoicing, killing credit card float overnight. Flex brings it right back: get up to 60 days to pay with Bill Pay Later.
Your money. Your terms. Your choice.
Next payment due:
In 60 Days
Two Paths.One Powerful Platform.
Every Meta invoice payment can be extended for up to an 60 days.
60 Days to Pay
Flex pays Meta on time via ACH or wire. You get up to 60 days to repay Flex using your existing Flex credit line; no extra setup, no paperwork. The same flexibility you used to get with credit cards, now extended to invoicing.
Up to 60 days
Same-day ACH
Tap into existing credit line
$347M +
vendor payments processed
24/7
Flex’s personal concierge service
Same-Day
ACH or wire transfers*
What You Get with Flex
Join a complete financial platform.
60-Day Bill Pay Later
Pay Meta invoices on time via ACH or wire, then get up to 60 days to repay Flex.
ACH & Wire Compatible
Route payments through Flex seamlessly and pay Meta through ACH or wire.
Full Spend Visibility
Real-time dashboards track every payment, reward, and transaction across your accounts.
Flexible limits that Scale
Flex leverages AI and humans to better understand your business and provide you flexible limits that scale with your growth.
AI-Powered AP/AR
Automated categorization, reconciliation, and bill management — all in one platform.
24/7 Concierge Support
Direct access to dedicated relationship managers and real-human support teams.
How It Works
4 easy steps to unlock 60 days of flexibility.
1
Open a Flex Account
Apply in for a Flex Credit Card and Banking through our online application.
2
Pay Meta via Flex
Route your Meta invoice payments through Flex via ACH, wire, or FedNow.
3
Choose Your Float
Select Bill Pay Later for up to 60 days to repay.
4
Grow Your Business
Whether you pocket the cashback or preserve cash flow, your ad spend is finally working for you.
.png)
Heads Up
If You Haven’t Been Moved to Meta Invoicing Yet, You Probably Will.
Many advertisers are already being transitioned. Set up Flex now so when it happens, you have more flexibility to pay.
Frequently Asked Questions
Why did Meta stop accepting credit cards?
Starting in March 2026, Meta phased out credit card payments for high-spending ad accounts. While Meta hasn't released a detailed official statement, industry analysts point to a few likely drivers: cutting interchange fees, reducing ad fraud, and improving payment predictability. Whatever the reason, the float you relied on is gone. Flex Bill Pay Later gives you up to 60 days to repay, so your ads keep running without tying up your cash.
Does this work for all Meta advertising products?
Bill Pay Later is designed for high-spending Meta ad accounts that have been required to switch to monthly invoicing. If your account spends over $50,000/month on Meta ads, you've likely already been notified of the change. Flex Bill Pay Later is built to help you keep your campaigns running without disrupting your cash flow.
What’s the cost of using Bill Pay Later?
Bill Pay Later has a simple fee structure — between 1.5%–2.5% per month based on your credit limit. No hidden charges, no setup fees. Just the breathing room your business needs to move fast and pay smart.
How does Bill Pay Later work with Meta invoices?
Pay your Meta invoices using your existing Flex credit line via ACH, wire, or FedNow, and get up to 60 days to repay. No extra setup, no paperwork.
What are the limits of Bill Pay Later?
Your credit limit is tailored to your business's financial profile, ranging from $50K to $1M+. As your business grows, your limit can grow with it, giving you the flexibility to scale without slowing down.
How long does it take to create an account?
Getting started is straightforward. Once you submit your application, our team will review your eligibility and you'll receive a decision within 1 to 30 days. Approved applicants will have immediate access to same-day payments with up to 60 days to repay.
Simplify Financial Management. Scale Without Limits.
60 days of breathing room — on every Meta payment.
.svg)