Flowt Spend

Pay any invoice with your card.
Even the ones who don’t take cards.

Card or no card on their end, we route the payment so your vendor gets paid the way they want, and you earn rewards on every dollar.

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$1M per swipeEarn valuable Credit Card Rewards+30-55 days to pay bills

Why Flowt Spend

Working capital you didn’t know you had.

Pay anyone
Vendors don’t need to accept cards.

We charge your card and send ACH, so your vendor sees a normal payment.

High-value
Up to $1M per transaction.

Most card-based AP tools cap out at $50K. We’re built for the payments that actually move the needle. Supplier invoices, equipment, real estate, payroll services.

Working capital
30 to 60 days of free float.

Pay vendors today. Settle with your card 30 to 60 days later. Capital that doesn’t show up on your debt schedule.

Rewards at scale
Your AP becomes an asset.

Reward points, Miles, Cashback, Early Pay Discounts. Earned on millions in spend. The biggest line item on your P&L finally gives something back.

The dashboard

Every payment, in one view.

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

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

How it works

Four steps, start to finish.

Step 01
Add your vendors

Bulk import or paste in a few. We verify and onboard them. They don’t need to do anything.

Step 02
Charge your card

Pay any invoice up to $1M with your business card, authorized instantly.

Step 03
We pay the vendor

We send ACH on the back end, your vendor gets paid normally, and you keep the float.

Step 04
Earn and reconcile

Rewards land on your statement. Transactions sync to your books.

Day 0Add your vendor
Day 0Charge your card
Day 0-2Vendor gets paid
Day 30-60You settle your card

From the field

“With Flowt, we can pay contractors on time while keeping our cash position balanced. This is critical when expanding into new locations.”
MT
Mark Tung
CEO of The Made Group

Better Together

Accept cards too? Bundle and pay 0%.

If your business also takes card payments, your Flowt Spend price goes to 0% for a significant volume of spend.

Pricing

Pay only when you transact.

No setup fees, no monthly minimums, no per-vendor charges. Bundle Flowt Processing and your Spend rate goes to 0%.

Starter
2.9%per transaction

For teams just getting started with card-based AP.

  • Up to $75K per transaction
  • Unlimited vendors and users
  • Email support, under 24h
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Most Popular
Merchant Processing Bundling
0%

For businesses combining card processing with Flowt Spend.

  • Bundled merchant + AP rates
  • Net-effective cost reduction
  • Single dashboard
  • White-glove onboarding
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Growth
2.6%*per transaction

For teams running real volume.

  • Up to $1M per transaction
  • Priority approvals
  • Dedicated success manager
  • Credit card portfolio review & rewards optimization
  • Multi-level approval workflows
  • Card specific rates
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* Rate dependent on card selection and volume commitments.

Indicative rates, with final pricing confirmed on your quote.

Flowt Spend FAQ

Common questions.

How can you pay vendors who don’t accept credit cards?
We charge your card and send ACH to your vendor. They never see a card transaction, so it just looks like a normal payment.
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.
What cards can I use?
Most major business cards and card programs work with Flowt, including partners like Collide, CorePay, and Bill.com. If you have a card, you can probably put your spend on it.
Do my vendors need to sign up for anything?
No. We just need their payment details, which you already have.
How long does it take to get set up?
Most teams are running their first payment within less than 10 minutes.
Is there a setup fee?
No. You only pay when you transact. No monthly minimums, no per-vendor charges, no hidden fees.
What’s the difference between Flowt Spend and Flowt Processing?
Flowt Spend is for outbound payments: you pay your vendors with a credit card, even if they don’t accept cards. Flowt Processing is for inbound payments, accepting card payments from your customers. They work great together, and bundling lowers your effective rate.
Can I switch plans?
Anytime. Upgrade in-app, or contact us to move to bundled pricing. No prorations to deal with.
Do you offer volume discounts?
Yes. Past $1MM monthly volume we’ll offer custom pricing. Just reach out.

Put your AP to work.

Setup takes 10 minutes. Your vendors don’t need to do anything.

Extend payments by 30-60 days.

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