New white-label proposition helps payment businesses to bring embedded payment services to market faster and create new revenue opportunities.
LONDON, UK – 4 November 2026 – Cardstream Group has launched Flowes, its white-label Payment Facilitation-as-a-Service proposition, designed to help acquirers, platforms, payment service providers (PSPs), independent software vendors (ISVs) and independent sales organisations (ISOs) build and grow their own payment solutions.
Supported by Discover® Network, Diners Club International®, and Equifax, the launch will be marked at an exclusive event at Tower Bridge Walkways in London on 4 November, bringing together leaders from across the payments ecosystem to explore the proposition and its role in the next generation of embedded payments.
Flowes enables partners to build payment propositions around their own brand and commercial model, while using established infrastructure and services. Its capabilities support PayFac, Virtual PayFac, Marketplace and Merchant of Record models, helping businesses to take greater ownership of the payment experience while minimising the complexity involved.
For acquirers, Flowes can help activate new Payment Facilitators, Merchant of Record businesses, Marketplaces and channel partners within days rather than months. Existing providers can streamline operations by re-platforming without upfront capital costs. New Payment Facilitators can onboard their own Merchants within minutes and get to market within days.
Platforms, PSPs, ISVs and ISOs can embed payment acceptance into their services more rapidly, create additional revenue opportunities and make more of their existing Merchant relationships. Flowes also provides multi-acquirer connectivity and supports payment models beyond traditional card acceptance.
Key leaders remarked on the collaboration:
Adam Sharpe, CEO of Flowes, said: “The payments landscape is changing rapidly, and businesses increasingly want to own the customer experience and the commercial relationship around payments. Flowes helps reduce the complexity involved, allowing our partners to launch their own payment propositions quickly, under their own brand and commercial model.”
Jamie Heath, VP of Global Acceptance at Discover Network, agrees with Adam about businesses increasingly wanting to own the customer experience. He said: “We are pleased to support the launch of Flowes because we recognise that embedded payments for platforms is a rapidly growing opportunity. This is because businesses want to have more control over the experience that their customers have and the general payments process. The payments space is changing fast, and it is good to see that Flowes is delivering solutions that will continue to add real value.”
Adam Sharpe added: “Flowes is about giving businesses greater ownership of payments. As embedded payments continue to grow, the organisations closest to the Merchant increasingly want greater control over the experience, the commercial model and the value they create. Flowes gives them the infrastructure to do that without having to build the entire payments stack themselves.”
Dan Carr, who is the Principal at Flagship Advisory Partners, commented: “Embedded payments are transforming European payments distribution, as software platforms increasingly influence how Merchants buy payment services. To capitalise on this shift, platforms require partners that let them own key Merchant touchpoints and take on more of the payments value chain as they grow. That challenges payment providers, many of which were built to serve Merchants directly rather than equip platforms with the flexible onboarding, pricing, funds flow and risk management tools they expect. Flowes is a timely addition to the market, giving payment providers those capabilities out of the box so they can grow alongside their platform partners.”
To accompany the launch, Flowes has released a new white paper series. The first instalment, Own the Experience, Not the Complexity, explores how businesses can transform payments into a strategic business asset.
Download the first instalment: https://flowes.com/own-the-experience-not-the-complexity
Flowes is a white-label payments proposition that helps acquirers, PSPs, ISVs, ISOs and other payment businesses launch, operate and grow embedded payment services under their own brand and commercial model.
Supporting Payment Facilitation-as-a-Service, Marketplace and Merchant of Record models, Flowes combines flexible payment infrastructure with multi-acquirer connectivity and the capabilities needed to support Merchant onboarding, payment acceptance and ongoing payment operations.
Flowes enables businesses to take greater ownership of the payment experience, create new revenue opportunities and bring new payment propositions to market faster.
ENDS
