Merchant of Record payment solution
Run your Merchant of Record model on one Platform
One underwriting process gets you up and running. From there accept payments on every channel, settle into your chosen account and automatically pay out to the sellers, suppliers and fees behind it.
Simplify payouts and reconciliation
As the Merchant of Record, you receive one settlement with the Flowes Platform giving you all the tools you need to automatically manage funds.
Accept payments on every channel
Give buyers the ways to pay they expect: cards, digital wallets, payment links and MOTO, online or in person - all through one platform.
Control how funds are held and split
Hold, split and pay out funds across multiple parties on your terms. Deduct your own fee at source or pass it through to the right party.
Reduce errors, automate every payout
Set the split logic per sub-Merchant or Merchant group so it runs automatically every time. Each party is paid directly with your fee automatically deducted.
Merchant of Record payment journey
One customer checkout sold by the MOR platform, with payments processed under the Master Merchant MID and funds allocated to suppliers.
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.
Built for Merchants of Record
All the tools you need to simplify your operations.
Payment acceptance
Cards, wallets, payment links and MOTO, online and in person. Every method and connection your buyers expect, through one platform.
Reporting and audit trails
Every business and payment traced and evidenced, with settlement, fee and payout data available through the dashboard or available to embed into your own systems using the API.
Fraud screening
Real-time fraud screening and transaction monitoring across every business under your Merchant ID. Transactions process through sub-entities, so you see each party’s activity separately as well as the whole book.
Acquiring flexibility
Add an acquirer, launch in a new market or enable a new payment method without rebuilding your integration. Have a large Merchant who needs their own MID? Onboard them separately – the rest of your book is untouched.
How Flowes works for a Merchant of Record
Identity, business and sanctions checks run automatically, with directors confirmed in 20 minutes.
Each party’s share is calculated and paid out automatically, while you keep the single contracting relationship.
Keep everything on record
Every business approved and every payment traced, ready the moment an acquirer, scheme or regulator asks.
Ready to get started?
The infrastructure your Merchant of Record model needs, ready to switch on.
