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.

Flowes split settlement: a £240.00 payment divided automatically into £150.00 for the seller, £30.00 for a delivery partner, a £20.00 platform fee and £40.00 VAT.
Flowes split settlement: a £240.00 payment divided automatically into £150.00 for the seller, £30.00 for a delivery partner, a £20.00 platform fee and £40.00 VAT.
FLEXIBLE PLATFORM JOURNEY

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.

Flowes merchant of record flow: a customer payment is processed into a Master Funds Account, then settled to the supplier, the service provider and the MoR platform.
Flowes merchant of record flow: a customer payment is processed into a Master Funds Account, then settled to the supplier, the service provider and the MoR platform.
WHITEPAPER

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.

Cover image for Flowes' whitepaper - Own the experience, not the complexity
PLATFORM FEATURES

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. 

Embedded payment screens inside a partner’s product: Merchant onboarding, an earnings and payouts dashboard, and an invoice paid by card

Ready to get started?

The infrastructure your Merchant of Record model needs, ready to switch on.