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Flex for utilities
Reduce delinquencies and disconnections with flexible utility payments
Flex lets customers split their monthly utility bills into payments that fit their budget, while providers collect in full and on time, every month.
Rising utility costs are now a delinquency and revenue risk
As utility bills outpace household budgets, more customers are falling behind, creating a cycle of delinquency, disconnections, and recovery costs. Flexible payments help customers stay current while giving providers a way to break that cycle.
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Energy costs are rising
Utility costs have surged 41% since 2020, with average bills at $424 per month. Even customers who want to pay on time can't always absorb the full amount at once.
Americans are struggling to keep up
U.S. households owe $20 billion in delinquent energy bills, up 67% from pre-pandemic levels. This growing debt leads to disconnections, collections costs, and write-offs.
$25B in annual customer bills paid annually by Flex. $3B in utility payments.
85%
of applicants are approved to use Flex
92%
of users attributed Flex to positive long term financial health
77%
of users attributed Flex to a significant improvement in their ability to manage finances and pay bills
January 2026 Utility Payment Survey
How Flex works: A win-win for insurers and customers
For the property manager
With Flex, payment is made in full, when it’s due. Get up and running fast, with zero technical lift.
For the customer
Approved customers make two payments to Flex: typically on the 1st when the bill is due and the 2nd later in the month.
Give customers the flexibility, control, and peace of mind that their essential services stay on
Secure upfront, on-time payments with Flex
Frequently asked questions
Do you offer pilots?
Yes. We recommend starting with a pilot to validate performance and measure impact before scaling.
How much does Flex cost?
There is no cost to the utility, though some providers choose to pay for Flex for their customers. Customers who use Flex pay a small percentage of their monthly bill for the service if the provider does not cover it.
How much integration and marketing work is required?
Flex handles the heavy lifting to ensure a smooth rollout. We offer lightweight integrations to get started quickly, and our team leads marketing, communications, and ongoing optimization.
How does Flex benefit our customers long term?
Flex helps customers stay current with more manageable payments, reducing missed bills and late fees over time. By staying on track, customers build stronger payment habits, maintain better financial standing, and avoid the stress and costs associated with falling behind.
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