FINTRAC-registered MSBC100000902

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.

Speak to an expert →Explore the platform

Powering payments across a global network of partners

Countries reachable

Transactions / month

Processed / month

Median settlement

Figures are illustrative placeholders for design and will be replaced with verified, auditable metrics before launch.

One platform

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 →

Orchestrate

Intelligent routing

Least-cost, highest-approval provider selection with cascading retries, failover and real-time health.

Explore orchestration →

Settle

Fast, reconciled settlement

Multi-currency settlement with full reconciliation and payout rails that move in minutes, not days.

Explore settlement →

The control plane

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

Book a demo →

flowapay

4242 •••• •••• 8419

Card holder

FLOWA BUSINESS

Volume processedLIVE

trailing 30 days · illustrative

Card · Visa · EUapproved · 1.2s

SEPA Instant · settlecomplete · 1.9s

Wallet · routingoptimized

Built for your sector

Infrastructure for every kind of business.

🛒

Marketplaces

Split payments, payouts and compliant onboarding at scale.

💳

PSPs & fintechs

White-label acquiring and orchestration under one contract.

🏦

Banks

Modern rails and settlement without replatforming.

🌐

Global commerce

Local acceptance and payouts in 70+ markets.

📈

SaaS & subscriptions

Recurring billing with recovery and smart retries.

✈️

Travel & mobility

High-value, cross-border flows with strong controls.

Why Flowa Pay

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, SDKs and webhooks — integrate in days, not quarters.

Trusted by operators

Teams that move at scale, move with us.

“We collapsed five regional providers into one integration. Approval rates climbed and reconciliation became trivial.”

Head of Payments

Global marketplace · sample

“The orchestration layer paid for itself in a month. Smart routing lifted our auth rate by double digits.”

VP Finance

Subscription platform · sample

“Compliance-first was the deciding factor — embedded KYB satisfied our banking partners out of the box.”

Chief Risk Officer

Fintech scale-up · sample

Quotes are illustrative samples pending attributable customer references.

Compliance & infrastructure

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.

FINTRAC MSB registrationVerified · C100000902

PCI DSSIn progress

SOC 2 · ISO 27001In progress

GDPR & data protectionAligned

Sanctions & PEP screeningEmbedded

KYC / KYB onboardingEmbedded

// 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"

FAQ

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, SDKs, webhooks and sandbox keys, with solution engineers available for enterprise rollouts.

Cards (Visa, Mastercard, Amex and more), major wallets, account-to-account and real-time rails such as SEPA Instant, Faster Payments, PIX and UPI — 200+ methods across 70+ markets.

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.

Ready to move money without friction?

Talk to our team about acquiring, orchestration and settlement built for enterprise scale.

Speak to an expert →Read the docs