Payment processing

A better approach to payment processing

Don’t let payments slow you down. Flute is the flexible payments platform built to give you more control without unnecessary complexity. Whether you’re making your first sale or scaling operations, meet customer expectations and stay focused on what matters most.

Person typing on a laptop with a credit card and smartphone nearby on a wooden desk, suggesting online shopping or payment
Move money your way. When it comes to payments, you shouldn’t be forced to choose between control and simplicity. That’s why we give you both: flexible options that let you run payments your way with the choice to evolve as your business grows — in a platform designed to meet the needs of everyday businesses like yours.

Accept all types of payments

Take payments every way your customers choose to pay, whether that’s in-person, on the go.

Control your costs

Minimize and offset processing costs with flexible pricing models.

Scale payments your way

Pick and choose which parts of Flute’s payment stack you want for your business.

Stay secure and compliant

Safeguard against chargebacks and disputes while keeping customer data safe.

“They evolve with the industry. Partnering up with them certainly is extremely comfortable, and if you're looking for a long-term relationship, that's the kind of makeup you want in your partner.”

rainier-cendana
President & CEO, Vitreous Alliance
Flexible payments
Take any kind of payment, anywhere. Customers expect more ways to pay than ever, whether that’s by card, phone, watch, or whatever else. Meet those expectations and accept any payment method seamlessly, so you never miss a sale and make every transaction effortless.

In person

Accept payments in person — at the counter, in-store, and at events — with seamless face-to-face transactions.

Mobile

Use a mobile point-of-sale device or use your phone or tablet to accept payments anywhere you go.

Online

Give customers the ability to check out securely from their own device.

Virtual terminal

Taking orders over the phone or remotely? Use the virtual terminal to enter any payment manually.

Modular paymentsSecure at every layer

One view across all devices

Track performance, monitor activity, and reconcile every mobile payment across devices from a single dashboard, even when you’re away from the office.

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Built-in protection with every transaction

We ensure that every transaction is protected by enterprise-grade security and compliance. We handle PCI compliance, encryption, and tokenization while giving you ways to combat fraud and reduce chargebacks.

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Pricing

More features. More flexibility. More affordable.

Our platform is completely modular, meaning you can adjust your pricing accordingly. We don’t lock you in to any features, so you can take whatever you need and leave the rest.

FAQ

Flute is built to work with the tools your business already relies on — including many of the most common point of sale and invoicing systems. And because Flute brings payments, invoicing, recurring billing, and business management together in one place, you may find you can simplify your stack over time rather than manage multiple providers. Contact us to confirm compatibility with your specific setup.

If you’re running a growing business and managing payments across disconnected tools — one for processing, another for invoicing, another for reporting — then yes. Flute brings all of it together: payments, invoicing, recurring billing, business management, working capital, and fraud protection, all under one login. Less time switching between systems means more time focused on your business.

Yes. Flute is PCI compliant, which means your business meets the payment card industry’s data security standards without having to figure it out on your own. We handle the compliance infrastructure so you don’t have to — and we’ve built fraud protection directly into the platform to help keep every transaction safe.

Yes. Flute supports Zero Cost Processing (ZCP), which gives you the option to pass processing fees to customers rather than absorbing them yourself. This includes Cash Discounting, Surcharging, and Dual Pricing — each suited to different business types and state requirements. Our team can walk you through which approach makes sense for your business.

Flute uses PCI-compliant infrastructure, end-to-end encryption, and built-in fraud protection to keep your transactions and customer data secure. Fraud monitoring runs across every transaction on the platform — you don’t need to configure it separately or rely on a third-party tool. If something looks off, Flute flags it.

Resources

Tools and guides to support your work

Small business owner behind an espresso machine who uses Flute's new payment platform for his merchant services

What We’ve Been Building Toward: Meet Flute

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Smiling plant shop owner holding a potted plant in her store, a small business that benefits from working capital solutions to manage inventory and cash flow

Working Capital Loans: What They Are and How They Work

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Café owner serving customers at the counter, a growing business that benefits from instant payouts to access card payment funds the same day

Get Paid Faster: A Guide to Instant Payouts

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