The market has shifted. Your payment infrastructure hasn't.
We are Flowes. Our PayFac-as-a-Service Platform breaks traditional payment models, giving you ownership of your payments.
Who we are
Flowes helps payment businesses to bring embedded payments services to market faster and create new revenue opportunities.
Supporting PayFac-as-a-Service, Marketplace and Merchant of Record models, its white-label capabilities help partners develop payment strategies around their own brand and commercial model, with less infrastructure to build and maintain.
Flowes is part of the Cardstream Group with offices in Taunton and London, with teams working across the UK.
What Flowes stands for
“Flowes®” are fundamental to everything we enable.
From payment transactions and Merchant applications to onboarding, settlement, revenue and commissions, our technology connects and orchestrates the many flows that power modern payments.
But Flowes represents more than the movement of money and information. It reflects the flexibility of Payment Facilitation as an umbrella for multiple operating models – supporting Marketplaces, Merchant of Record and PayFac propositions, while enabling partners to move through our service offerings, from Virtual PayFac (VPF®) to Full PayFac and beyond, as their ambitions and requirements evolve.
Flowes is about removing friction, enabling choice and giving Platforms greater control over how payments and value move through their ecosystems.
“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.”
Jamie Heath
VP of Global Acceptance, Discover Network
