Payment facilitation for ISOs
Build an asset and maximise revenue
Sell payments under your own brand instead of introducing Merchants to a third party. You control the onboarding, the pricing and the end-to-end relationship.
Why ISOs become PayFacs
The onboarding, the acceptance (online, in-app and in-store), settlement and reporting – all under your brand.
Generate revenue from payments
Decide what rates your Merchants pay and earn the difference. No third party setting the pricing or holding the contract.
Stay competitive
Enhanced fraud screening, tokenisation and Open Banking, all available as upgrades to your Merchants.
A portfolio you can sell
Onboard Merchants under your brand. Each one you add is additional contracted value you can raise against or sell.
What sits behind your portfolio
56%
Digital wallets accounted for 56% of global ecommerce transaction value in 2025¹
4-8 months
55+
acquirer connections, so you’re never tied to just one acquirer’s rates or risk appetite.
¹ Worldpay: Global Payments 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.
Payment facilitation and everything around it
A white label payment gateway, onboarding and compliance, through a single Platform.
Automated onboarding
Onboard Merchants through pre-built and hosted onboarding flows, with automated identity and business checks built-in.
Payment acceptance
Flowes connects to multiple gateways so you can accept cards, wallets and all the major payment methods your Merchants need.
Payment reporting
View your individual Merchant and whole portfolio data in one place. Gain insights into your Merchants’ growth and identify any issues.
Settlement and reconciliation
One payment in, several payouts out. Set rules on who receives what and when, with every split recorded and easily reconciled.
Screening and monitoring
Flowes continuously runs in the background: sanctions screening, adverse-media checks and transaction monitoring.
Multiple acquiring routes
Onboard Merchants across more than one acquirer from the same Platform, so pricing and risk appetite can suit each Merchant.
Rebrand, onboard and grow, on one Platform
Own the entire Merchant experience
Make the white label gateway and onboarding your own: your portal, your name, your pricing.
Bring your own hardware
Use the terminals you already own. Supported devices plug straight in.
Onboard Merchants faster
Merchants sign up through your flow. Identity, business and sanctions checks run in the background. All under your brand, with Flowes as the registered payment facilitator.
Scale on your own terms
Start as a Virtual PayFac, then take on more risk and more of the economics when you’re ready. Then when the volume justifies it, hold your own PayFac licence.
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.
Ready to get started?
The payment infrastructure your Merchant book needs, ready to switch on
