Embedded payments for Platforms and SaaS
Turn payments into a revenue stream
Move away from the traditional model of referring your Merchants to PSPs. Owning the end-to-end journey earns you the payment economics, the data and the relationship – and increases your Platform’s value. Flowes gives you the white-label infrastructure to onboard, underwrite, settle and pay out under your own brand.
Own the Merchant relationship and payment experience inside your product
Everything you need to embed and control the payments inside your software. All under your brand.
Earn on every transaction
Turn payments into a product. Set your own pricing and earn on every transaction your Merchants process.
Define your onboarding
Onboard Merchants through customisable flows where you set the schedule, the checks and the features they can access.
Stay competitive
Enhanced fraud screening, Open Banking and richer reporting are all available on the Platform. Enable them as soon as the demand is there.
Own the whole experience
Make payments part of your product, and the end-to-end Merchant relationship becomes yours to shape
Strengthen your payment offering
65%*
of software Platforms that don’t offer payments, plan to add them.¹
56%
Digital wallets accounted for 56% of global ecommerce transaction value in 2025.²
€100 billion
Europe’s embedded-finance revenue expected to exceed €100 billion by 2030.³
¹Cardstream and Mastercard: The Future of Payment Facilitation. 2025. ²Worldpay: Global Payments Report. ³McKinsey: Embedded finance report.
Start where it fits. Stop or scale whenever you choose.
Every stage is a complete, revenue-generating model that runs on the exact same Flowes platform. Stay at any stage or add capabilities without rebuilding.
The future of payment facilitation
Own the Experience, Not the Complexity
Six pillars of payment ownership: new revenue, stronger Merchant relationships and a faster route to market.
One Platform for integrated payments
Onboarding, payment acceptance, compliance, settlement, risk and reporting on one Platform. Take the parts you need.
Onboarding
Embed onboarding in your own product or use our hosted forms. Identity, business and sanction checks run automatically against criteria you set. Underwrite Merchants against your own criteria, set settlement schedules and rolling reserves for each one.
Payment acceptance
Flowes connects to multiple gateways so that you can accept cards, wallets and A2A (account-to-account) payments. Enable every payment method your Merchant’s customers expect with access to 150+ more (depending on your connections).
Settlement and reconciliation
Divide a single transaction into separate payouts for the seller, suppliers, your fees and VAT. You set the rules and the schedule, with real-time data embedded in your own systems or visible in the Portal for simplified reconciliation.
Portfolio visibility
View the performance of individual Merchants and your portfolio as a whole – where volume’s growing, where it’s dropping, and any issues that need attention. Embed the data into your own systems or use the Flowes portal.
How embedded payments work with Flowes
Integrate into the Platform
Flowes gives you every connection and feature you need to embed and operate payments from your software.
Onboard and verify Merchants
Merchants sign up through your custom flow. Identity, business and sanction checks run automatically in the background, and continue post-live.
Grow at your own pace
Launch as a VPF® (Virtual PayFac) using Flowes’ licence, rather than applying for your own. Then take on more risk and more of the economics as you scale, right up to setting up your own licence.
Ready to get started?
The payment infrastructure your product needs, ready to switch on.
