FloPay
Built for established merchants

Payment processing,
on your terms.

Free hardware, 24/7 US-based support, and a real rate quoted from your processing statement. We don't advertise a marketing rate — pricing is custom to your business and your card mix.

  • Free hardware
  • 24/7 support
  • Same-day approval
  • No setup fees
Built on the gateways & networks you already trust
Authorize.netNMIFluid PayVisaMastercardAmex
$2.4B
Processed annually
99.99%
Uptime guarantee
24/7
Live US support
20+
Years in payments
Why FloPay

The four things merchants actually care about.

01

A real rate, on your real statement. Or 100% covered with dual pricing.

Run the free statement audit for an instant savings estimate, then upload your latest processing statement and we'll confirm your custom rate. No hypothetical card-type math, no marketing rate — just what your business would actually pay. Prefer to remove processing costs entirely? Run a compliant dual-pricing program and the cardholder covers the fee.

Statement audit · in progress
Live
Statement received
Done
Effective rate calculated
Done
Rate quote prepared
Working
Sent to your inbox
Queued
Typical turnaround
Within the hour
02

Free hardware. No catch.

Clover, Micros, Union, Genius, Dejavoo — your choice, on us. Setup, shipping, and configuration included. Free with approved merchant accounts — no lease, no purchase, no hidden cost recovery in your rates.

Hardware · included
Clover Station Duo
Full cashier station
Included
Dejavoo QD4
Android handheld
Included
Also available
CloverMicrosUnionGeniusDejavoo
Ships free · setup included
03

Sub-200ms authorization

Optimized routing across Visa, Mastercard, Amex, and Discover keeps end-to-end auth fast. AI fraud checks run in parallel, not in series — so approvals don't wait on review.

TXN_AUTH · LIVE
Card scanned
+0ms
4242 ····
Tokenized
+12ms
sha256
Fraud check
+34ms
AI · pass
Network authorized
+148ms
Visa · approved
Settlement queued
+162ms
Same-day batch
Total: 162ms end-to-end
04

Support that picks up

US-based, 24/7, average pickup under 30 seconds. Real names, real faces, on-call from day one. Not a chatbot. Not an offshore script.

Marcus T.
Senior support · Long Island, NY
ONLINE · 03:42 ET
Hi — I see your settlement just hit. The $2,140 batch is in your Chase account. Anything else?
Perfect, thanks Marcus.
Avg. pickup time
27 seconds
How it works

From handshake to processing in one week.

Onboarding is the part most processors fumble. We handle PCI compliance, gateway integration, hardware provisioning, and underwriting in parallel — so you're live in days, not weeks.

01
Run the statement audit
Six quick questions, instant savings estimate. Upload your current statement and a specialist confirms your exact rate, side by side.
02
Receive your hardware
Free terminals shipped. Or integrate via API — Authorize.net, NMI, Fluid Pay.
03
Start processing
Real-time dashboard, same-day funding, 24/7 support. We never stop, so you don't have to.
We switched from Square last spring. The terminals were free, the team actually picks up the phone, and settlement hits same-day. After 20+ years in business we've worked with a lot of processors — this one feels different.
RM
Rosa Maldonado
Owner, Maldonado & Sons · 4 locations · Phoenix, AZ

A real rate, on your real statement.

Run the free statement audit — six quick questions for an instant savings estimate, then upload your statement and we'll confirm the exact number on your card mix, volume, and risk profile. No marketing rate, no hypothetical math.

What the audit gets you
  • Instant estimate
    Six quick questions, savings range on screen.
  • Exact rate from your statement
    Upload it and a specialist confirms your real number.
  • No commitment
    No SSN, no credit pull, no contract until you switch.