Payment facilitation
Own the experience, not the complexity
Gain complete control of your Merchants' payment journey
Flowes removes the investment, infrastructure and compliance barriers to payment facilitation. Our PayFac Platform gives you the tools you need to launch fast and operate confidently.
Streamline your payments with our Platform
Flowes provides white-label infrastructure for PayFac-as-a-Service (PFaaS), with services to support the operating model that fits your business.
Cost-effective
Build on Flowes’ existing infrastructure, reducing the need to develop and maintain your own payment systems.
Live in weeks, not years
Setting up as a licensed PayFac takes on average 12–18 months. Going live with our PayFac model takes weeks.
Built to scale with you
Easily handle high onboarding and transaction volumes, so you can scale your operations on the same Platform.
Enhanced reporting
Comprehensive reporting tools give you better insights into your overall performance and that of your sub-Merchants.
Support your compliance processes
PCI DSS, AML/CFT and KYC supported through Merchant onboarding, compliance checks and risk management.
Unlock a new revenue stream
Gain control over your pricing, launch competitive offers and add payments as an additional revenue stream.
Future-proof your business
Continuous Platform and compliance updates ensure you always have access to the latest features and security enhancements.
Payment models to fit your business
Flowes provides infrastructure for PayFac-as-a-Service (PFaaS), Marketplace and Merchant of Record models.
A modular PayFac Platform
Pick and choose the services you need
Decide which services to launch with based on your business stage and growth plans. Add additional services and continue your journey as a PayFac when the volume and timing is right. Flagship describes PayFac adoption as a journey, with platforms taking on greater ownership over time.
Omnichannel gateway services
Settlement services
Risk management
Automated onboarding and compliance checks
Payment reconciliation and reporting
Chargeback dispute resolution services
“Embedded payments is 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.”
Dan Carr
Principal, Flagship Advisory Partners
Start where you are today. Move when you're ready.
Multiple routes to running smoother payments with Flowes. Choose how much risk to take on today, with the option to change your setup as your business grows.
Streamline your payment operations
Quickly and cost-effectively launch integrated payments for your business
