Panda Pay: Financial Insights

Panda Pay helps you track spending, monitor bills, and manage short-term cash flow in one place.

Eligible users can access Cash Flex™ for temporary cash flow support of up to $100,* with free standard ACH delivery.

• No late fees
• No interest
• No impact to your credit score
• No direct deposit required

Sign up in minutes and explore your spending insights and Cash Flex eligibility.

GET STARTED WITH PANDA PAY:

1. Create your account
2. Connect your bank securely through Plaid
3. Track your finances and, if eligible, access Cash Flex™

It's that simple. No paperwork, no waiting around.

CASH FLEX™ — UP TO $100* Cash Flex provides eligible users with temporary cash flow support of up to $100. Standard ACH delivery is free, and delivery timing depends on your bank and the transfer method selected. One active Cash Flex at a time. Continued eligibility and available amount may depend on account history, activity, and other criteria.

Example: If you accept $75 via Cash Flex with standard ACH delivery, the transfer fee is $0 and the total return amount is $75.

YOUR MONEY AT A GLANCE Know exactly where every dollar is going — and what's coming next.

• Spending broken down by category
• Income vs. expense breakdowns
• Recurring bills and subscription tracking
• Balance trends so you can plan ahead

REAL SUPPORT WHEN YOU NEED IT Reach our support team directly in the app or at support@pandapay.money. For quick answers, our AI chat assistant is available around the clock. We typically respond within 24 hours, 7 days a week.

SAFE AND SECURE Your information is locked down with the same encryption banks use.

• Bank-grade TLS encryption
• Credentials are never stored — processed securely through Plaid
• Plaid connects with thousands of banking institutions across the US, including Chase, Bank of America, Wells Fargo, Chime, and more
• Unlink your bank anytime directly in the app

MEMBERSHIP Panda Pay charges a recurring Bank Connection Fee to maintain your linked bank connection and power Cash Flex, spending insights, and other financial tools. Current pricing, billing frequency, and any applicable trial period are shown in the app before you are charged. The fee is auto-renewed until canceled. You can cancel anytime in the app under Profile > Bank Account, or by emailing support@pandapay.money. To avoid being charged for the next billing cycle, cancel before your next scheduled charge date shown in the app.

Questions? Reach us at support@pandapay.money or visit www.pandapay.money/support

DISCLOSURES *Cash Flex™: Cash Flex provides eligible users with temporary cash flow support. Cash Flex is not a loan, line of credit, or any other form of credit. Panda Pay does not charge interest or late fees in connection with Cash Flex. Not all users will qualify. Eligibility and amount are determined based on account history, activity, and other criteria. Cash Flex amounts are up to $100. Not available in all states. Cash Flex delivery timing depends on your bank and the transfer method selected. One active Cash Flex at a time. Example: If you accept $100 via Cash Flex with standard ACH delivery, the transfer fee is $0 and the total return amount is $100. Cash Flex is not available to residents of California, Connecticut, Hawaii, Indiana, Maryland, Minnesota, Nevada, Wisconsin, and Washington, D.C.

Panda Pay is not a bank. Panda Pay is a product of Radiant Union LLC, a Florida limited liability company.

Privacy Policy: https://www.pandapay.money/privacy Terms of Use: https://www.pandapay.money/terms