FlowPay Payment Gateway

FlowPay Payment Gateway is a single access point for managing digital collections and payments via a single API.

The solution orchestrates the entire lifecycle of a payment request and enables partners to offer multiple payment methods with a single integration, including Payment Initiation and account-to-account transfers, cards, SEPA Direct Debit, BANCOMAT Pay and other enabled channels.

The gateway simplifies operational and regulatory complexity by centralising consent management, controls, transaction statuses, receipts, and notifications. The checkout can be customised in terms of look and language to ensure brand continuity, while the modular architecture lets partners activate only the payment methods they need and add new ones without redesigning the integration.

FlowPay also supports advanced features such as tokenisation and recurring payments, as well as Bulk Payments (multiple invoices and documents settled with a single payment), Split Payments (a single payment distributed among multiple beneficiaries) and Locked Payments (funds held until a predefined condition is met).

An API-first platform designed for software providers, marketplaces, fintechs and companies that want simple, scalable and controlled payment experiences embedded in their processes.