If you're processing $50K+/month, Flowpay helps you cut bloated payment fees with transparent cost-plus pricing, real support, and a migration team that handles the heavy lifting.
Flat monthly fee
Above cost — that's it
Merchants managed
NMI integrations
Cost plus 20 basis points per transaction. That's it. You pay the true cost of the transaction plus our small 0.20% margin. No setup fees, no volume caps, no percentage of your revenue taken away as you scale.
At $100K/month volume, here's what you're actually paying with each provider — including their platform fee.
Every card transaction has a real base cost charged by banks and card networks. Most processors blend that together, mark it up heavily, and make it hard to see what you're really paying.
The real, non-negotiable cost of every card transaction. Goes directly to Visa, Mastercard, and the customer's bank. Every processor pays this — most just don't show you.
~1.5% – 2.5% depending on card typeThat's our entire markup. 20 basis points. On a $100 transaction, that's 20 cents to Flowpay. Compare that to the $1.00+ markup most processors take.
0.20% flat — same for every transactionOne flat fee covers your gateway, dashboard, chargeback management, risk monitoring, live support, and every integration. No per-feature add-ons.
Flat — doesn't increase with volumeStripe would charge you $3.20 for the same transaction. That's $1.10 back in your pocket — every single time.
We've been managing payments and chargebacks for over 2,000 merchants. We built Flowpay because every business deserves better infrastructure at a fair price.
The most transparent pricing model in payments. You pay the true cost of each transaction — nothing hidden — plus our small 0.20% margin.
We handle every dispute end-to-end. Our team fights chargebacks on your behalf with processor relationships to win.
Full fraud monitoring, velocity checks, and risk review — all handled by our team. You process. We protect.
Real humans, always on. Not a chatbot. When something goes wrong at 2am, someone picks up the phone.
Built-in subscription management, dunning logic, failed payment retries, and card updater. Everything growing businesses need.
Powered by NMI's integration ecosystem — connecting to billing platforms, ERPs, shopping carts, and CRMs your team already uses.
We have direct relationships with TSYS and Fiserv — two of the largest acquirers in the world. No middlemen.
Tokenization, encryption, and Customer Vault — all Level 1 PCI compliant. The highest industry standard.
Full transaction visibility with real-time dashboards, settlement reporting, and exportable data for your finance team.
Tell us what you're processing and who you're with now.
We show you whether Flowpay is a fit and what pricing could look like.
From integrations to migration support, we help you get live with minimal disruption.
Process with a setup that makes more sense as you grow.
Flowpay is powered by NMI's gateway, giving you access to 150+ direct integrations across every category your business needs.
Subscription & Billing
Accounting & ERP
E-Commerce & Shopping Carts
CRM & Marketing
CMS & Website Builders
Developer Tools
If you're doing volume, there's a good chance you're paying more than you need to. Let's look at the numbers. No setup fee. No hard sell. We'll tell you if it's a fit.
No setup fees. No contracts. Cancel anytime.