Cards and bank payments on one page that carries your name. Send a link, show a code, put a button on your site, or let your software ask.
They all land on the same pay page and the same ledger. Use the one that fits the moment.
A web address that opens your pay page. Name it, set the amount or leave it open, copy it. Text it, email it, post it. Once or forever.
Every pay link and invoice has a QR code. Show it on your phone or print it on the counter. Customers point their camera and pay on their own phone.
Press Add to website on any pay link and paste one line into your site. There is a WordPress plugin too, and the link works on a button in Wix, Squarespace or Shopify.
Line items, a printable page, a pay link at the bottom and reminders before, on and after the due date. See invoicing.
Leave the amount blank and the customer types what they owe. Good for tips, deposits of any size and "pay what you owe" situations.
Your software asks Flow for a payment and gets back a link. When it is paid, Flow tells your software. One small file does it.
Your business name at the top, the amount, and two ways to pay. No account to create, no app to install, no password.
Your customer picks. You see one fee per payment on your payout statement, whichever they choose.
Credit and debit cards. The card is approved in seconds and the payment shows as Paid at once; the money reaches your bank in a later payout. Best for deposits, bookings, class seats and anything under a couple of thousand dollars.
3.4% + $0.30 per payment, less on large ones.
The customer types their routing and account number. The first time, Flow confirms the account with a one-cent deposit that carries a short code; they enter the code and the payment goes through. It takes one to two business days to clear. Best for rent, large invoices and anything that repeats.
$9.00 on a $1,600 rent. Never more than $15.00.
The part most payment tools leave to you. Flow handles it in the same account.
Your customer gets a receipt by email with your name on it. You get a notice with who paid, how much and what for. Both are kept in the account.
Refund all or part of any payment from the Payments page. The fee treatment is shown before you confirm. The customer is told right away.
If a bank payment bounces, Flow marks it, emails you, and tells any connected software so the balance reopens. Nothing silently disappears.
If a customer disputes a card charge, you see it in your account with the reason and the date your reply is due, and you reply from there. If the dispute is lost, the payment is reversed.
Your customers can sign in with a link Flow emails them, no password, to see receipts, move or cancel an upcoming payment, or remove a saved card or bank account.
Every payment, refund, return and dispute sits in one list, and every deposit to your bank lists the payments inside it. See payouts and records.
Pay links, QR codes, pay buttons, invoices, scheduled and recurring payments, refunds, disputes and the customer account all work now, for businesses in the United States.
Flow does not sell card readers today. For in-person payments, show your QR code and the customer pays on their own phone in seconds.
Flow collects in US dollars and pays out to a US bank account.
Flow only moves money electronically. If a customer pays you by check, record it in your own books; Flow will not see it.
Create your account, connect your bank, send your first payment link. One price per payment, one deposit, your name on everything. No monthly fee.
by Dark Water