Every way the world pays, through one API.
Cards, wallets, account-to-account and real-time rails, added as configuration rather than as new integrations. Which methods your business can offer is confirmed during onboarding.
Global cards and digital wallets
Bank and instant rails
Availability depends on merchant category, jurisdiction, underwriting and the applicable payment or acquiring partner. Methods are confirmed for your business during onboarding rather than enabled by default.
What each one is, and when it earns its place
Cards
Credit and debit acceptance on the international schemes, with 3-D Secure, tokenization and routing applied per transaction. The most widely accepted instrument, and the one where approval optimisation earns the most.
Explore →Digital wallets
Device wallets that replace the card form with a biometric confirmation and present a tokenized credential. They settle exactly like a card and typically convert better on mobile.
Explore →Bank payments and A2A
Funds moved directly between bank accounts, with the customer approving inside their own banking app. Lower cost per transaction, no stored card credential, and no scheme chargeback right.
Explore →Local and alternative methods
The method a given market actually prefers, which is often not an international card. Added as configuration against the integration you already have.
Explore →Six differences that matter operationally
Adding a method is a configuration change, but the methods themselves do not behave the same way. These are the differences that affect your checkout, your support team and your finance process.
What determines the methods you can offer
- Merchant category. Some methods are not available for some categories, whatever the volume.
- Jurisdiction. Where your entity is established, and where your customers are.
- Underwriting. The outcome of your assessment, by us and by the relevant partner.
- Partner availability. Each method is delivered through a licensed payment or acquiring partner, and their coverage is the practical limit.
Flowa Pay provides the payment technology and orchestration layer. Acquiring, scheme settlement and regulated payment services are provided by licensed acquiring and payment partners under their own authorisations.
Third-party marks appear only where Flowa Pay is contractually permitted to show them. All marks are the property of their respective owners.
Method questions
The useful answer is which methods matter in your markets and which your category and jurisdiction allow, so we scope that with you rather than publishing a count. Availability depends on merchant category, jurisdiction, underwriting and the applicable payment or acquiring partner.
Yes. Enabling a method is configuration against the integration you already have, so no checkout rebuild is required.
Timing differs by rail, but reconciliation does not. Every method lands in the same ledger and the same itemised statements.
We tell you during scoping rather than enabling something that will fail underwriting or decline in production.
Only where we are permitted to. We do not publish partner names, logos or prospective relationships we are not authorised to state.
Expand your payment coverage
Tell us your markets and we will scope the methods worth enabling for your business.