Flowt Spend × Flowt Processing
Run both sides through Flowt.
Pay a lot less.
When you accept cards and pay vendors through one platform, the rewards on your spend offset what you pay to process. The result is a materially lower cost of moving money across the whole business.
+$57K
Net annual benefit*
*illustrative: $5M on each side. We’ll model your numbers.
The thesis
Most businesses pay twice.
Once when they take card payments (2.5%+ in processing fees). And again when they pay vendors, by leaving card rewards on the table because half their vendors won’t accept cards. Bundling closes that loop.
Standalone vs bundled
Same flow, a lower rate.
Standalone
2.9%
Your Flowt Spend rate when you run it on its own.
Bundled
2.25%
Process with us too and your Spend rate drops to 2.25%.
Bundle FAQ
Common questions.
Does my inbound volume need to match my outbound volume?
Not exactly, but the closer they are, the cleaner the math. When inbound and outbound volumes are within ~30% of each other, the offset typically lands near zero. We’ll model your specific flow and tell you exactly where the math falls before you commit.
Is this a discount, or actually different math?
It’s different math, not a discount. We don’t lower our individual product rates when you bundle, and we don’t need to. The economics work because your card rewards now offset your processing fees inside one relationship. The “discount” is yours to keep, as card rewards on AP spend you couldn’t put on a card before.
Do I have to start both products at once?
No. Most customers start with one (typically Spend) and add the other when their numbers grow into it. The bundle pricing kicks in automatically once both are live.
What if my card rewards aren’t 2%?
We do a card portfolio review as part of onboarding to make sure you’re on the right cards for your spend categories. Most customers can move to a 2% baseline within a quarter. Higher with category-specific cards.
Is this available to anyone?
It’s available to any business that has card flow on both sides. We do require a brief underwriting review for Processing. Most customers approve in 2 to 5 business days.
The math
Worked example.
A business doing $5M annually on each side, using real flows and rates with no funny accounting.
Annual flow$5M inbound · $5M outbound
Flowt Processing fees
$5M inbound × 2.5% interchange-plus
$5M inbound × 2.5% interchange-plus
−$125,000
Card rewards on outbound spend
$5M outbound × 2% avg rewards
$5M outbound × 2% avg rewards
+$100,000
Float value
45 days × $5M × 6% cost of capital
45 days × $5M × 6% cost of capital
+$37,000
Early-pay discounts captured
$5M outbound × 1.5% avg discount
$5M outbound × 1.5% avg discount
+$75,000
Flowt Spend processing
$5M outbound × 2.6% Growth rate
$5M outbound × 2.6% Growth rate
−$130,000
Net annual benefit
+$57,000
Effective card cost: −1.1% (you net positive on card flow)