One company for both. We cut what you pay to accept cards — most merchants land near zero — and when you need working capital, the same team writes the check. Send one statement and we’ll show you both numbers in ten minutes.
What we do
Most merchants come to us for one and end up using both.
Three pricing structures — dual pricing, surcharge, or cost plus. We read your statements and put you on the one that costs you least, then handle the switch.
See pricing options →Working capital underwritten on your revenue, not your credit score. Three months of bank statements, a decision in 24 to 48 hours.
Request funding →Process
You send statements. We do the rest.
Three months of processing statements, or just your volume and current provider.
We model cost plus, dual pricing, and surcharge against what you pay now.
Application, underwriting, terminal programming, integrations, and migration.
Usually within a few business days, with support that answers the phone afterward.
Why Flowpay
We've managed payments for 2,000+ merchants. Good infrastructure shouldn't cost a percentage of your revenue.
You see the real cost of every transaction. Nothing blended, nothing hidden in a monthly fee.
We fight every dispute end to end. You process, we protect.
Real humans. When something breaks at 2am, someone picks up.
Subscriptions, failed payment retries, and card updater built in.
Surcharge caps, dual pricing signage, brand registration, and state rules — set up correctly the first time.
Direct relationships with TSYS and Fiserv. No middlemen taking a cut.
Integrations
150+ direct integrations across billing, accounting, e-commerce, CRM, and developer tools.
Get started
Ten minutes, no cost, no obligation — including the times the honest answer is to stay where you are.
See my options