One platform to accept, orchestrate and settle.
Flowa Pay unifies payment acceptance, intelligent routing and multi-currency settlement into a single enterprise integration — so you can launch faster, lift approval rates and see every flow in one place.
Accept every way the world pays
Cards, digital wallets, account-to-account and real-time rails through one API and one contract. Add methods and markets without new integrations.
- Cards, wallets, bank payments and local methods
- Local and cross-border acquiring routes through licensed partners
- Tokenization and network-token support where available
- Hosted, embedded and headless checkout
Route to the best path, automatically
Cascading, retries and least-cost logic select the optimal provider for every transaction in real time — lifting authorization rates and reducing cost.
- Least-cost and highest-approval routing
- Automatic failover and reason-aware retries
- Real-time provider health and routing rules
- A/B routing and performance analytics
Fast, reconciled settlement
Multi-currency settlement with full reconciliation and payout rails. A single ledger reconciles every provider, method and currency.
- Settlement in the currencies you operate in
- Automated reconciliation and itemised statements
- Bank, card and wallet payout rails where supported
- Unified ledger across every provider
From application to live in days
Risk-based KYC/KYB and a guided integration take merchants from signup to first transaction quickly — without compromising on diligence.
- Digital, risk-based onboarding
- Business, ownership and sanctions verification
- Sandbox keys and reference integrations
- Solution engineering for enterprise rollouts
Take payment the way each customer and each market prefers.
Card payments
Accept credit and debit cards through one integration, with tokenization, 3-D Secure and authorization logic designed to lift approval rates.
Explore →Digital wallets
Wallet checkout removes the keyboard from the payment step: the customer authenticates on their device and a tokenized credential is presented for authorization.
Explore →Bank payments & A2A
Account-to-account payments move funds directly between bank accounts, with no card network in the middle and no chargeback mechanism attached.
Explore →Alternative payment methods
In most markets the preferred way to pay is not an international card. APMs give you the local method customers already use, without a separate integration for each one.
Explore →Payment links
Create a link, send it, get paid. Payment links give teams a way to take a real, reconciled payment with no development work at all.
Explore →Hosted payment page
A checkout page Flowa Pay hosts, brands to your business and keeps current with scheme, authentication and method changes, so you do not have to.
Explore →Recurring payments
Subscription revenue is lost to failed renewals far more often than to cancellations. Recurring support is built around keeping stored credentials alive and recovering the ones that fail.
Explore →Lift approval rates, cut cost per transaction and control risk.
Payment orchestration
One integration in front of many providers, with a routing engine that chooses the best path for every single transaction and fails over when a provider degrades.
Explore →Smart routing
The rule layer inside orchestration: the dimensions you can route on, how precedence works, and how to test a change before it touches live traffic.
Explore →Authorization optimisation
A meaningful share of declines are not the issuer refusing the customer. They are avoidable: stale credentials, thin data, the wrong route, a retry at the wrong moment.
Explore →3DS & authentication
Authentication that satisfies the rules without taxing every customer: frictionless where it is allowed, challenge where it is required, exemptions where they apply.
Explore →Fraud & risk management
Rule-based transaction screening, velocity controls and monitoring that run before the authorization is submitted, with every decision recorded.
Explore →Acquire, convert, settle and pay out across markets.
Global acquiring
Access to domestic and cross-border acquiring routes through licensed partners, with multiple MIDs and redundancy so one route is never the whole business.
Explore →Payouts
Send money out as reliably as you take it in: bank payouts, batch and API payouts, beneficiary management and status tracking that reconciles back to your ledger.
Explore →Settlement
Settlement is where payments become money in your account. It needs to be explainable to the cent: what settled, when, in which currency, and what was deducted.
Explore →Multi-currency
Three different currencies are involved in a cross-border payment, and confusing them is the most common cause of a reconciliation break.
Explore →Onboard merchants, see everything, reconcile to the cent.
Merchant onboarding
How a business becomes a live Flowa Pay merchant: identity and business verification, ownership, screening and risk-based review, run as our own compliance process.
Explore →Reporting & analytics
Approval, decline, volume and cost broken out by every dimension that matters, with transaction search and exports that finance can actually use.
Explore →Reconciliation
Multi-provider processing creates multi-provider reconciliation. A unified ledger matches transactions to settlements across every provider, currency and fee line.
Explore →One REST API, predictable webhooks and a full sandbox.
Acceptance and acquiring routes across supported marketsFlowa 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. Availability depends on merchant category, jurisdiction, underwriting and the applicable payment or acquiring partner.
Common questions
Yes. A single API and one contract cover acceptance, orchestration and settlement across every method and route enabled on your account.
Yes. Orchestration routes across your providers and ours, so you can add or migrate providers without re-integrating.
No. Flowa Pay provides the payment technology and orchestration layer. Acquiring, scheme settlement and regulated payment services are delivered by licensed acquiring and payment partners under their own authorisations.
Funds are reconciled through a unified ledger and settled in your configured currencies, with itemised statements that decompose to transaction level.
Method availability depends on merchant category, jurisdiction, underwriting and the applicable payment or acquiring partner. We scope it against your actual markets during onboarding.
Ready to move money without friction?
Talk to our team about acquiring, orchestration and settlement built for enterprise scale.