Pay any invoice with your Credit card.
Even if ACH is required.

Flowt converts your credit card charge into an ACH so your vendor gets paid the way they prefer. You get 30 to 60 days of float + credit card points / cash back.

AND... there is no fee when bundled with other Flowt Services.

Start freeSee what it costs
Up to $1M Credit limit per swipeEarn valuable Credit Card Rewards+30-55 days to pay bills

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What Flowt does

Built for the people who move money.

Flowt lets you pay any vendor with a credit card, even the ones who don’t take cards. You earn rewards on every dollar you spend with Flowt and hold onto your cash 30 to 60 days longer... for FREE!

Pay any vendor with a card

We handle the conversion to ACH. You swipe, your vendor gets paid the way they want.

30 to 60 days of float

Pay vendors today, settle with your card later. That’s working capital that doesn’t cost you a loan or a line of credit.

Rewards on every dollar

Earn points, miles, and cashback on transactions up to $1M. AP becomes an asset instead of a line item.

What it costs

Simple pricing

There is NO FEE when bundled with other Flowt Services.

BUNDLED WITH OTHER FLOWT SERVICES0%in fees
Book a demo

Indicative rates, confirmed on your quote.

“Flowt has made it simple for us to maximize our American Express points on vendor payments, turning everyday expenses into meaningful rewards.”
RA
Robert Amoruso
CEO of Gideon Strategic Partners

See it in action

One dashboard for every payment.

Schedule, approve, and reconcile every vendor payment in one place, without bouncing between bank portals.

The Flowt dashboard — schedule, approve, and reconcile vendor payments in one place

Proof at scale

“Flowt transformed how we handle our largest payments, giving us the credit capacity we need and cashback benefits that directly strengthen our bottom line.”
CP
Corey Printup
CEO, Directional Capital
Business type
Multi-unit franchise owner & investor
Sales
+$400MM in sales

FAQ

Common questions.

How can you pay vendors who don’t accept credit cards?
We charge your card, then route the funds to your vendor via ACH. They never see a card transaction. From their side, it just looks like you paid them on time.
What’s the maximum I can pay per transaction?
Up to $1,000,000 per swipe on our Growth plan. We specialize in high-value B2B payments, most platforms cap out long before this point.
How do Flowt Credits work?
Flowt Credits are how you offset the 2.9% fee typically charged by Flowt. When you bundle Flowt Spend with credit card acceptance, Flowt Processing, all processing volume goes towards accumulating Flowt Credits which allow you to offset your Flowt Spend fees completely.
Do my vendors need to sign up for anything?
No. Your vendors don’t interact with Flowt at all. We just need their payment details (which you already have) and we take care of the rest.
How long does it take to get set up?
You can be running your first transaction in 10 mins, however if you would like to run transactions larger than $50k, we require a 15 minute phone screen.
What card networks are supported?
Visa, Mastercard, American Express, and Discover business cards. We work with most major issuers, so if you have a card, you can probably use it.