Move money like information.
Flowa Pay is the payments infrastructure for businesses that move value across borders — one API for cards, wallets, account-to-account and real-time rails, settled in minutes.
Payment methods and rails we integrate for merchants
Rates, in real time.
Live · updates every 60s
Reference rates from public market data, for information only. Flowa Pay does not provide crypto trading, brokerage or investment services.
Accept, orchestrate and settle — end to end.
Everything you need to move money globally, in a single integration engineered to bank-grade reliability.
Every way the world pays
Cards, wallets, account-to-account and real-time rails through one API — with routing that lifts approval rates automatically.
Explore acceptance →Intelligent routing
Least-cost, highest-approval provider selection with cascading retries, failover and real-time health.
Explore orchestration →Fast, reconciled settlement
Multi-currency settlement with full reconciliation and payout rails that move in minutes, not days.
Explore settlement →A single view of money in motion.
Monitor every transaction, provider and payout in real time. One dashboard, one API, complete observability.
- Real-time authorization & settlement tracking
- Provider health, retries and least-cost routing
- Automated reconciliation and reporting
Infrastructure for every kind of business.
Marketplaces
Split payments, payouts and compliant onboarding at scale.
Explore →PSPs & fintechs
White-label acquiring and orchestration under one contract.
Explore →Banks
Modern rails and settlement without replatforming.
Explore →Global commerce
Local acceptance and payouts in 70+ markets.
Explore →SaaS & subscriptions
Recurring billing with recovery and smart retries.
Explore →Travel & mobility
High-value, cross-border flows with strong controls.
Explore →Enterprise-grade by default.
Enterprise-grade reliability
Built like critical financial infrastructure, with redundancy and observability end to end.
Compliance-first
Embedded KYC/KYB, sanctions and adaptive fraud scoring with full audit trails.
FINTRAC-registered
FLOWA PAY INC. is a registered Money Services Business in Canada (C100000902).
Full-stack platform
Acceptance, orchestration and settlement in one integration — no stitching providers.
Global reach
Local acquiring and real-time payout rails across six continents.
Developer-first
Clean REST APIs, signed webhooks and a full sandbox — integrate in days, not quarters.
Cards, wallets, Open Banking and real-time rails.
What teams achieve with Flowa Pay.
Five providers → one integration
Consolidate regional providers and make reconciliation trivial.
Higher approval rates
Least-cost, highest-approval routing lifts authorization automatically.
Compliance your partners trust
Embedded KYC/KYB and audit trails satisfy banking partners out of the box.
Bank-grade controls, developer-grade tooling.
We present only verified credentials and are transparent about what is in progress — with an API designed for institutional integration.
// Create a payment — one call, any rail const payment = await flowa.payments.create({ amount: "1200.00", currency: "EUR", method: "auto", // card · wallet · A2A settlement: "instant", customer: { id: "cus_9f2a" } }); // → routed, screened & settled payment.status; // "settled"
Answers for teams doing diligence.
FLOWA PAY INC. is registered as a Money Services Business with FINTRAC in Canada (registration no. C100000902). MSB registration is a legal requirement — it is not a licence or endorsement. We do not hold banking or e-money licences, and we say so plainly.
Most teams integrate the core API in days. We provide clean REST endpoints, signed webhooks and sandbox access, with solution engineers available for enterprise rollouts.
Cards, major wallets, account-to-account and real-time rails, plus local methods in the markets you sell into, through one integration. Which specific methods and schemes you can offer depends on merchant category, jurisdiction, underwriting and the applicable payment or acquiring partner, and is confirmed during onboarding.
KYC/KYB, sanctions and PEP screening and adaptive fraud scoring are embedded in onboarding and in the transaction flow, with full audit trails on every decision.
Funds are reconciled through a unified ledger and settled in your chosen currencies, with real-time payout rails that move in minutes and automated statements for your finance team.
Yes. Our orchestration layer routes across your existing acquirers and ours, so you can add or migrate providers without re-integrating — and use least-cost, highest-approval routing across all of them.
Yes — recurring billing with smart retries, dunning, and network-token and account-updater support to reduce involuntary churn from failed renewals.
A digital, risk-based onboarding flow with embedded identity (KYC) and business (KYB) verification. Most teams complete onboarding and integrate the core API within days.
Transparent, volume-based pricing tailored to your method mix, markets and settlement needs. We provide a tailored quote after a short scoping conversation.
Yes — a sandbox that mirrors production for building and testing, and enterprise customers receive priority support with defined response-time SLAs.
Ready to move money without friction?
Talk to our team about acquiring, orchestration and settlement built for enterprise scale.