White-label payments and payment facilitation
Turn payments into a strategic trusted scalable asset
Own the experience, not the complexity
Launch with trusted payment infrastructure that helps you shape the Merchant experience, revenue model and use of payment data. Build long-term value with a ready-to-launch Platform.
One Platform. Everything behind it.
Every connection, product and capability you need to own and operate payments.
The payment landscape is changing
$2.6tn
revenue generated by global payments across 3.8tn transactions in 2024.¹
€100bn+
McKinsey estimates European embedded finance revenue could exceed €100bn by 2030.²
70%
of payments and product executives surveyed named integrating legacy systems as an obstacle.³
¹ McKinsey, Global Payments Report. ² McKinsey, Embedded Finance report ³ Aite-Novarica, Payments Modernization and Technology Impact report
A PayFac model that fits your business
Start at the stage that suits your business today. Stay there or add capabilities as your needs evolve, all on the same Flowes Platform without rebuilding.
“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
Make payments a revenue line, not an overhead
Earn every time your Merchants transact
Set your own pricing and take a share of every payment your Merchants process. Their success becomes yours.
Optimise every Merchant touchpoint
Own every interaction with your Merchants: onboarding, checkout, reporting.
A Platform that scales with you
Enable new payment methods or routes, without rebuilding or migrating Platforms.
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 businesses Merchants rely on
ISVs, ISOs, Merchants of Record and Marketplaces all run on the same Platform.
Platforms and SaaS
Turn payments into a strategic asset and gain ultimate ownership of the Merchant relationship.
Sales organisations
Merchant of Record
Your company’s name on the receipt, with every sub-Merchant verified and paid out automatically.
Marketplace solutions
Manage commissions and seller payouts. One payment in, every party paid automatically.
A payment experience that reflects your brand
Give your Merchants a consistent journey from day one, with the flexibility to add capabilities as your business grows
