Payflex not paying back refunds

I've been using Payflex for a couple of years now and has been happy with their offering, barring it's a "happy purchase flow".

On the 19th October 2025 I purcahsed Thule bike parts through an online merchant EasyBike for an amount of R1902.50. I chose the Payflex payment option as I normally do, giving me flexiblilty on my finances.

After I didn't hear anything back from the merchant I enquired about my order and was told that Thule does not manufacture the parts anymore and that they'll do a refund back to Payflex, but that it could take up to 10 days. I was not too happy regarding this waiting period, but left it at that.

EasyBike confirmed that they've processed the refund on 29th October 2025 already and sent to proff to me and copied Payflex in.

I've logged numerous tickets thru the App, but only received feedback on the last few and these were only responses stating the T&Cs that they are not liable for orders not received or cancelled. After every response the ticket was just closed without resolving the issue. It seems they are more interested in SLAs around tickets logged and not resolving client and system issues on their side.

I informed them that I refuse to pay the last installment of R634.16 on 25 Nov as the refund was already done and that I want my money back, the R634.18 and R634.16 which I already paid. I was then told that this would affect my credit record. This threat I don't take lightly!

The owner at EasyBike has also tried without success to contact Payflex to resolve this.