Flow Payments Logo

Flow Payments

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1 User Review
LAST UPDATED: August 26th, 2020

Flow Payments understands that the credit card industry can be a tough place to navigate for merchants that are hard to place or categorized as high risk. And many businesses will come across high fees, confusing interfaces, and lackluster customer support. 

Flow Payments changes all that by assigning an agent to an account for the entire lifetime of the account, flexible and full-featured payment processing options, all at the lowest rate possible. 

Clients can expect the following from Flow Payments:

  • Fast set up, friendly support, customized solutions
  • Straightforward pricing, no pricing increases, transparency
  • A dedicated account representative
  • Free cost analysis (solutions for any industry)

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The Good

  • Offers Merchant Services to High-Risk Companies
  • White-Glove Support
  • Fast Setup Times
  • Awards

Offers Merchant Services to High-Risk Companies

Together, the owners and operators of Flow Payments have over 40 years of experience in the merchant account industry. This experience comes with a few advantages. First, clients don’t have to worry about being rejected for their company type. Flow Payments offers merchant services for the following industries:

  • Nutraceuticals
  • Bad credit
  • Debt consolidation
  • Adult products
  • Payday and short-term loans
  • Seminars (real estate/self help/business)
  • Tech support
  • Credit repair
  • Collection agencies
  • Health and diet supplements
  • Gaming/gambling
  • Timeshares
  • Insurance
  • Hemp and CBD

Clients can utilize the many partnerships Flow Payments has. The company works with several processors and banks that offer some of the lowest rate plans in the marketplace. Flow Payments also offers payment alternatives such as cashless ATM, E-Check, and ACH processing. 

Flow Payments boasts that it doesn’t offer a “one size fits all” plan. This approach ensures that all clients receive personalized solutions that best corroborate with their business. 

White-Glove Support

It can often be frustrating and challenging to find a merchant account company that works with high-risk businesses and provides excellent customer service. Flow Payments boasts that all its clients receive personalized support, the minute they start filling out the application form. 

If you choose Flow’s services, you’ll be assigned a dedicated support team committed to providing superior service. 

Fast Setup Times

High-risk merchant accounts are known for lengthy setup times. And while it can take longer to place a high-risk merchant, Flow Payments believes that its clients deserve an answer and offer within a reasonable timeframe. 

To help combat long setup times, Flow Payment promises to treat every client as a priority, and all accounts are expedited in the most efficient manner possible. The company also claims that its payment specialists are experts in submitting applications to processors. 


Flow Payments has won several awards during its time in business. In both 2019 and 2020, it won the Best High-Risk Processing Company by PaymentProcessing.com.


The Bad

  • Undisclosed Information
  • No FAQ Section

Undisclosed Information

Unfortunately, Flow Payments’ website withholds some important information. The company claims to offer some of the lowest rate plans in the market, but that’s all the information consumers are provided. While we understand that the rates will vary on a number of factors, it would be useful if Flow Payments would give a range. That way, consumers can decide for themselves if it’s worth signing up with the company. 

Flow Payments also doesn’t disclose much information on its approval process. The company states that every account set up will be expedited and that its payment specialists are experts at submitting applications. Still, there is no information on what that means exactly. 

If you call and ask for more detailed information, Flow Payments will give it to you. But many potential customers would like to compare prices, rates, and services without having to contact the company directly. 

No FAQ Section

While the lack of a frequently asked questions (FAQ) page doesn’t directly affect Flow Payments’ offered services, it is an excellent resource for potential customers who would like to get more details about Flow Payments. The FAQ section allows site visitors to find answers to their questions in one place and not have to search the entire website. 


The Bottom Line

Flow Payments is a great option for those with businesses considered high-risk. The company has a number of partnerships and relationships with local banks and processors that offer a variety of cost-effective solutions. The company also boasts drastically improved setup times and superior customer support (two things that are often neglected throughout the industry).

 We would like to see Flow Payments offer more detailed information on its website, especially in regards to its pricing and plans. If you need more information, it's best to call the company and speak with a representative directly.

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Brice Erickson Lakeland, FL

Took a different approach than other processors to understand my business and help us accept payments efficiently.

1 year ago