Flow Payments Review

July 4, 2022

Flow Payments is a processing solutions company catering to high-risk merchants. Although its services work for all types of businesses, high-risk merchants are its forte. It has partnerships with banks and payment processors to offer the lowest transaction rates in the industry.

Below is an overview of merchant services offered by Flow Payments:

  • Payment gateway integrations
  • Payment processing for credit cards, debit cards, and ACH payments
  • E-commerce integrations
  • Terminals for retail businesses
  • Chargeback management tools


Flow Payments Merchant Services

High-Risk Merchant Accounts

Flow Payments is most known for its dealings with high-risk businesses. It provides them with a merchant account for high-risk, high-volume credit card processing. It takes advantage of its partnerships with banks and payment processors to set up accounts as quickly and efficiently as possible. The company also takes pride in providing domestic accounts instead of offshore accounts. This gives way to the lowest possible rates.


With Flow Payments, each merchant will have a dedicated specialist to assist them throughout the application process.

Payment Gateway

Flow Payments helps merchants set up a payment gateway. Options include and NMI. Payment systems are PCI compliant, which assures merchants of secure payment processing and customer details.


Payment Processing

With a payment gateway and merchant account, online merchants can process various payment methods. Acceptable credit card and debit card payments include Visa, Mastercard, American Express, and Discover. Merchants can also accept e-checks and ACH payments.

Apart from online transactions, Flow Payments also provides merchants with point-of-sale terminals to accept in-person payments. This includes credit card terminals, mobile card readers, and wireless units.

E-commerce Integrations

Flow Payments helps online merchants integrate their existing websites with third-party payment services and technology providers. This assures customers of a seamless purchasing experience in the merchant’s e-commerce store. Integrations include:

  • Accounting software: QuickBooks Online.
  • eCommerce platforms: WooCommerce, Shopify.
  • Chargeback mitigation tools.
  • Payment security tools.

Chargeback Prevent and Fraud Protection

E-commerce integrations include chargeback mitigation tools and payment security tools. For high-risk merchants, Flow Payments offers other tailor-fit services for chargeback and fraud prevention. The company’s website includes details on industry-specific solutions.


Flow Payments Fees, Rates, and Pricing

Processing Fees

Flow Payments’ rates will depend on the merchant and its needs. It takes into account multiple factors like the merchant’s industry, history, and transaction volume, to name a few. By assessing these in detail, it aims to provide the lowest possible rates. That said, Flow Payments offers different rate structures, like an interchange-plus pricing scheme or fixed monthly fees. The company will propose the most profitable solution for each merchant.

To get a quote from Flow Payments, you may submit a form through the website. It is free to request without pressure to commit.

Additional Fees

According to one review site, Flow Payments may charge some merchants monthly fees and early termination fees. These terms will depend on the final contract and vary per merchant.

Hidden Charges

According to its website, Flow Payments does not subject merchants to hidden fees and unnecessary expenses.



Flow Payments Complaints

Flow Payments has several reviews online, none of which include complaints or negative feedback about the company.

Rip Off Reports

There seem to be no rip-off reports against Flow Payments.

Other Complaints

Moreover, there are no other complaints about the company.


Flow Payments BBB Rating

Flow Payments is not an accredited company by the BBB.

BBB Reviews

It does not have any BBB reviews either.


Is Flow Payments Legitimate?

Flow Payments is a legitimate company with impressive credentials and a good reputation among merchants. The company was established in 2015. Its management team has a collective experience of over 40 years in the industry. Its website also shows information about its co-founder and managing partner, Brett Husak.

The company was labeled the Best High-Risk Processor for 2020 and 2021 by, a review platform for credit card processing companies. Similarly, it ranked as the “Best for High-Risk Businesses” by It is also an official member of the Forbes Business Council as of 2021.


There are no reports of scams involving Flow Payments.


The same goes for lawsuits. The company does not seem to be involved in any legal complaints.


Customer Reviews

Flow Payments has highly favorable ratings based on online reviews and merchant testimonials. It holds a 4.8-star rating based on 39 reviews in TrustPilot, while its Facebook page has one 5-star review. It also has a 4.6-star rating from the review site Overall, merchants praise the company for its excellent customer service and seamless and fast account setup. Some also highlight affordable monthly rates. Most testimonials also mention certain managing partners for being hands-on and helpful throughout the process.


The company’s website showcases success stories by merchants from different industries. They attribute their low transaction fees to the company’s efforts. They also applaud its seamless payment processing system and reliable customer service.



Flow Payments is a leading payment processing company for a reason. Apart from providing the usual payment solutions, it is most known for its affordable industry rates and efficient approval process. These claims are further proven by its positive customer reviews. Its skilled team is lauded for providing professional end-to-end support for merchants.

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