Flowt Processing
Accept payments anytime, anywhere.
Transparent processing that bundles with Flowt Spend for maximum efficiency. Choose a flat rate or interchange-plus, and pay less when you run both sides through Flowt.
Pricing
Transparent pricing.
Pick the structure that fits how you run. Bundle Flowt Spend and your effective rate drops.
Flat rate
2.9%+ 20¢ / txn
- 0% Flowt Spend Fee via Flowt Credits*
- One simple rate on every card
- No tiers, no statements to decode
- Best for simpler, lower-volume merchants
- Pay vendors on Flowt Spend platform for FREE
Interchange-plus
+0.30%+ $0.20 / txn
- 0% Flowt Spend Fee via Flowt Credits*
- Pass-through interchange & assessments
- Fixed, transparent Flowt margin
- Best at higher volume and larger tickets
- Pay vendors on Flowt Spend platform for FREE
Most popular
Compliant Cash Discounting / Surcharge
Negotiated Rates
- 0% Flowt Spend Fee via Flowt Credits*
- Compliantly surcharge processing fees**
- Offer cash discounting to offset processing fees
Doing +$1M per month in sales?
Custom interchange-plus pricing.
From the field
“The Flowt impact on our bottom line was the equivalent of adding multiple new locations without any added cost. It was easy, seamless and the return was exceptional.”
GP
Greg Plummer
Airport concession operator
+$50MM
Better Together
Pay vendors too? Bundle and your effective rate approaches zero.
Run inbound processing and outbound card-funded payments through Flowt, and the rewards from Flowt Spend often offset most or all of your processing fees.
Processing FAQ
Common questions.
What does “interchange-plus” actually mean?
Interchange is what the card networks (Visa, Mastercard, etc.) charge to process a transaction. It’s set by them, not us. Interchange-plus means we pass that cost straight through to you and add a fixed, transparent margin on top. No tier games, no hidden markup.
How does this compare to flat-rate processors like Square or Stripe?
Flat-rate processors charge the same percentage on every transaction (e.g. 2.9% + 30¢). That’s simple but expensive at scale. Interchange-plus saves you money the moment your average ticket size or volume crosses the breakeven point. For most businesses doing $500K+ in card volume per year, that’s a meaningful difference.
What card networks and types are supported?
Visa, Mastercard, American Express, and Discover. All card types. Credit, debit, business, consumer, rewards. Tokenized recurring billing, level 2/3 data, and B2B optimizations are all supported.
How long does underwriting take?
Most accounts approve in 2 to 5 business days. We have a dedicated underwriter on your account, not a ticket queue.
Can I bundle this with Flowt Spend?
Yes, and it’s the most popular configuration. When you run both inbound processing and outbound card-funded payments through Flowt, the rewards from Spend often offset most or all of your Processing fees.