Payments by Dark Water

The payment layer for your business.

Accept cards and bank payments. Send links, automate collections, and keep payments connected to your business, under your own name.

Start accepting paymentsSee how Flow works
No monthly feeNo long-term contractClear transaction pricing
flow.darkwater.work/app
Example data
Available balance$12,480.20Next payout Monday
On the way$4,312.402 payouts in transit
Collected this month$61,905.0038 payments, 2 refunds
CustomerAmountMethodStatusReference
J. Rivera$1,850.00BankPaidUnit 2B, October rent
Luna Studio$150.00Visa 4242PaidBridal trial deposit
M. Chen$6,500.00BankProcessingInvoice 1042
North Jersey Lash Academy$495.00Mastercard 8821PaidFall course, seat 7
D. Okafor$1,600.00BankReturnedUnit 4A, October rent

Your payments should look like your business.

Your name

Customers interact with your business, not a generic payment portal.

Card and bank

Accept cards and bank payments from the same Flow account.

Automatic collections

Customers pay now, pick a date, or authorize weekly, two-weekly or monthly payments.

One ledger

Payments, refunds, returns, invoices and payouts stay connected.

From a link to a reconciled payout.

Every step happens inside Flow. Pick one to see it.

  1. Create linkName it, set the amount
  2. Send itText, email, QR or your site
  3. Customer choosesCard or bank, now or later
  4. Payment confirmedYou both know in seconds
  5. Receipt sentYours and theirs, your name on it
  6. Payout reconciledEvery payment inside each deposit
New pay link
October rent, Unit 2B
$1,850.00
Create link
Link ready
flow.darkwater.work/p/x7k2m9
CopyQREmailAdd to site

One line of code puts a pay button on any website. WordPress plugin included.

HH
Harbor HomesSecure payment
$1,850.00
BankCard
Pay nowPick a dateMonthly
Confirm
Payment received
$1,850.00 from J. Rivera, bank, confirmation FL-1042

Bank debits show as Processing until the bank settles them, then Paid. Flow never marks a bank payment final early.

Receipt from Harbor Homes
Your payment of $1,850.00 to Harbor Homes for October rent went through.

Sent to the customer. You get a matching notice. Both carry your name, never ours.

Payout, Oct 6
12 payments$18,450.00
Refunds-$150.00
Processing and Flow fees-$96.70
Deposited to your bank$18,203.30

Your name, not ours.

Flow powers the payment. Your business stays in front: your name and colour on the pay page, your name on the receipt, and your name on the card or bank statement where the networks allow it.

  • Pay page shows your business name and brand colour
  • Receipts go out under your business name
  • Statement descriptor is yours, up to 22 characters, set once in Settings
  • Flow appears only in small print, as the platform behind the payment

Card networks and banks set the rules for what a statement can show. Flow passes your name through those rules; it cannot override them.

What the customer's statement shows

Oct 1HARBOR HOMES-$1,850.00
Oct 3LUNA STUDIO-$150.00
Oct 4NJ LASH ACADEMY-$495.00

What your bank statement shows

Oct 3FLOW PAYOUT+$4,312.40
Oct 6FLOW PAYOUT+$18,203.30

Example lines.

Bank or card. The customer chooses, you get one ledger.

Bank payment

Lower processing cost. Takes a few business days to settle.

  • Rent
  • Large invoices
  • Recurring bills
  • Business to business

Card

Confirmed in seconds. Costs more per payment.

  • Deposits and bookings
  • Consumer payments
  • Convenience
  • Customers who want their card rewards

Two fees, both in the open.

The Flow fee pays for the platform. The processing cost goes to the card and bank networks. You see both on every payment.

Bank payment

0.25%Flow fee, capped at $10.00

Plus processing 0.8%, capped at $5.00 per payment.

Card payment

0.5%Flow fee, capped at $10.00

Plus processing 2.9% + $0.30 per payment.

No monthly fee, no setup fee, no fee on failed payments. Work out your cost on any amount.

Built for businesses that send a bill and wait.

Property management

Rent, deposits and fees by bank, with autopay on the due date.

Contractors and services

Invoices paid by bank the day you send them.

Beauty and personal services

Deposits and balances from one link in your bio.

Courses and classes

Sell a seat with a link. Students pay, you get the roster.

From invoice to paid.

Create your account, connect your bank, send your first payment link. No monthly fee. No long-term contract. Clear transaction pricing.

Start accepting paymentsSee pricing