Flow is built and run by Dark Water Ventures, Inc. It is the payment engine inside every Dark Water product and is also available on its own.
Your business name, not ours. You set the name (5 to 22 characters) when you open your account. Your own bank statement shows each payout as FLOW PAYOUT.
Payouts go to your bank on a rolling schedule. Card payouts commonly become available sooner than bank-debit payments. Timing varies with account history, processor review, weekends, bank holidays and payment method, and the first payout on a new account can take longer.
Only the link. They do not need an account or an app. They choose card or bank, pay, and get a receipt by email.
Your customer types their routing and account number. The first time, we confirm 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.
No monthly fee. The Flow fee is 0.25% on bank payments, 0.5% on card payments, never more than $10.00 per payment. Card and bank network processing is deducted at cost.
Yes, all or part of it, from the Payments page. The fee treatment is shown before you confirm each refund.
You will see it in your account with the reason and the date your reply is due. If the dispute is lost, the payment is reversed.
Yes. Create an API key on the Developers page and drop in one small file. Your software can create payments, check them and receive a notice when they are paid.
Yes. On the pay page they pick a date on a calendar, or choose Recurring for weekly, every two weeks or monthly. Flow collects it on the day. If it fails, Flow tries once more three days later, then turns it off and emails you both.
Yes, if they want one. They sign in with a link we email them, no password. They can see receipts, change the date of an upcoming payment, cancel it, or remove a saved card or bank account.
No. Sign-up, identity checks, bank setup, payments and payouts all happen inside Flow.
Yes. In Pay links press Add to website and paste one line into your site, or install the WordPress plugin, or use the link on a button in Wix, Squarespace or Shopify. It works on any site, whoever built it.
No. Stop any time.
Create your account, connect your bank, send your first payment link. No monthly fee. No long-term contract. Clear transaction pricing.
by Dark Water