Generated by All in One SEO Pro v4.9.7.2, this is an llms-full.txt file, used by LLMs to index the site. # Flute ## Posts ### [What We’ve Been Building Toward: Meet Flute](https://stg-flute-staging.kinsta.cloud/blog/what-weve-been-building-toward-meet-flute/) **Published:** May 29, 2026 **Author:** Leah Bodenhamer **Content:** You run a growing business. Payments should be the easy part. For many owners, it wasn’t even a real choice. A sales rep called the previous owner, a deal got done, and you’ve been running on infrastructure that wasn’t built for you. Or maybe you did pick your processor, but you chose speed over fit. You needed to take payments immediately, so you went with the biggest name you knew. It got you live in an afternoon. But ‘easy to get started’ turned out to be the only thing it was good at, and the barriers you hadn’t considered started showing up fast. ## **You’ve been forced into a bad tradeoff** If you run a salon, restaurant, vet clinic, jewelry store, or other growing business, you know exactly what we’re talking about. You do real volume, and you generate real revenue, but the options have been the same: - A legacy account with a rep and transparent pricing, but technology that feels like it hasn’t been touched since 2009 - Modern software that looks great until you hit the rigid pricing, the fine print on account ownership, and the risk of frozen funds Up to now, you’ve had to pick which set of problems you can live with. ## **The mission was already there** The people who built Aurora understood this. They built the infrastructure, developed the merchant relationships, and kept improving the platform even when the brand didn’t keep pace. Everything was already here except the name. ## **Why we rebranded to Flute** Rebranding to Flute means the platform we spent years building finally has a name that matches it. We built a full-stack payment platform with our own gateway, our own FSP license, sponsored BINs, and multi-processor connectivity. And more features are on the way. We own every layer, end-to-end. We’re not cobbling together third-party tools and hoping they hold. We own the infrastructure. We control the economics, the experience, and the outcomes for you. That matters more now than ever. Look at where the market is. You’re more aware than ever of what you’re giving up under a legacy model. Flat-rate pricing used to feel like simplicity. Now it’s just stifling. When you’re processing high volume, the difference between flexible, transparent pricing and a flat markup is hundreds or thousands of dollars a month. At the same time, the bar for software has also risen. You know what good technology looks like. You shouldn’t have to go backward just to get a merchant account. We’re the only option that doesn’t ask you to. ## **What that means for you** The longer you’re on Flute, the more the platform works for you. Working capital is underwritten by your actual processing volume, so it fits your real cash flow. Instant payouts, analytics, and recurring billing all get more valuable the longer you stay. The same goes for SaaS platforms and ISO partners. The technology is easy to build on, and support actually knows your account. When you sign up, you get a merchant account in your name. Funds settle on your timeline, disputes get handled by someone who actually knows your business, and you’re never buried in fine print. ## **Your payments, without compromise** Flute is a new name on a platform we’ve been building for years. We built it for owners who’d run out of patience with what the market had to offer. If that’s you, let’s talk. — Derek **Categories:** Uncategorized **Audiences:** Associations, Growing businesses, ISO agents, SaaS providers, Software developers **Post Flags:** Featured **Topics:** Customer experience, Flexible payments --- ### [Get Paid Faster: A Guide to Instant Payouts](https://stg-flute-staging.kinsta.cloud/blog/get-paid-faster-a-guide-to-instant-payouts/) **Published:** May 28, 2026 **Author:** Leah Bodenhamer **Content:** Every time a customer swipes their card, money moves. The problem is, it can take a while for those funds to finally get to you. On average, it takes between two and three business days for card sales to reach your business bank account. That might not sound like much time, but for businesses managing payroll, restocking inventory, and covering daily operational costs, settlement times create a real cash-flow gap. [Research from U.S. Bank](https://www.synergystrategies.com/top-reasons-why-businesses-fail-by-source-jessie-hagen-u-s-bank/) found that 82% of growing businesses experience cash flow problems, even though most generate revenue. That means the problem isn’t what’s coming in; it’s when it actually arrives. The [Federal Reserve’s Small Business Credit Survey](https://www.fedsmallbusiness.org/reports/survey/2024/2024-report-on-payments) confirms this. They found that access to card payment funds is one of the most frequently cited challenges small business owners face, with most waiting an average of two to three days after a transaction to see those funds. Running out of cash is a contributing factor in [38% of business failures](http://cbinsights.com/research/report/startup-failure-reasons-top/) — a number that speaks more to timing than to performance. Today, there are tools designed specifically to address this: instant payouts. These solutions give growing businesses access to earned revenue in minutes, any day of the week — including weekends and holidays — without applying for credit or waiting on traditional banking timelines. Let’s take a look at what instant payouts are, how they work, and how they compare to other funding options. ## **What are instant payouts?** When you accept a card payment, the transaction doesn’t immediately translate to accessible cash. There’s a settlement period, which is the time it takes for the card networks, the acquiring bank, and your payment processor to complete the transfer of funds. For most businesses, this takes two to three business days. Instant payout solutions eliminate most of that wait. Instead of holding funds until the settlement cycle finishes, these tools allow businesses to access revenue from their completed card sales on the same day. That means, unlike banks, which operate on strict schedules, instant payouts are available around the clock, including on weekends and holidays. What makes instant payouts distinct from a same-day ACH transfer or next-day deposit isn’t just speed, but availability. You’re not filing a transfer request during business hours and hoping it clears. Instead, you initiate the payout when you need it, and funds arrive in your debit card or bank account within minutes. Because the process works within your existing payment setup, you don’t have to deal with any third parties. Everything is available in the payment software you already use every day. Most solutions charge a small fee per transaction, typically a percentage of the amount you access. Look for solutions that show you the exact cost before you confirm, with no hidden fees and no ongoing subscription costs, so you only have to pay when you take out funds. ![Food truck owner handing an order to a customer, a mobile business that uses instant payouts to close the gap between card sales and available cash](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Mobile-eats-landscape-image-5-1024x683.png)## **Instant payouts vs. merchant cash advances** ### **What’s the difference?** On the surface, both options put money in your hands more quickly than traditional settlements. But the way they work and what they cost are vastly different. A merchant cash advance (MCA) provides a lump sum of capital upfront in exchange for a portion of your future sales. You repay it through automatic daily or weekly deductions from your card receipts, plus fees expressed as a factor rate. Because you’re receiving money you haven’t earned yet, an MCA is a form of financing, which means businesses are often left with a bigger bill than they bargained for. MCA fees often translate to annual percentage rates that are higher than what traditional business loans charge — sometimes reaching triple digits depending on the terms. An instant payout solution works differently. You’re not borrowing anything; you’re just accessing money from card sales you’ve already completed. There’s no repayment schedule because there’s nothing to repay — the accessed amount reconciles automatically through your normal payout process. Here’s a quick breakdown of the differences between merchant cash advances and instant payouts: #### **Merchant cash advances** - Upfront capital drawn against future sales - Repaid through automatic daily deductions (typically a fixed percentage of card receipts) until the full balance is cleared - High costs with rates that are often well above traditional business loans - A credit check and formal application are usually required Merchant cash advances are best for larger capital needs like big expansions, major equipment purchases, or gaps traditional lenders won’t fill. #### **Instant payouts** - Access money from sales you’ve already made — no borrowing, no debt - Pay a small, flat fee per payout when you use it - Qualify based on your processing history, not a credit check Instant payouts are best for bridging short-term gaps between when you earn revenue and when it lands in your account If you’re looking for more capital to fund an expansion or a purchase that exceeds your recent card volume, a business loan or line of credit may be the right option. But if your goal is to close the gap between earning revenue and spending it without taking on new debt, an instant-payout solution is worth a closer look. ## **Why instant payouts matter to SMB growth** Waiting a few days might be manageable in most cases, but when your business runs on tight margins or needs a last-minute replacement, waiting periods can feel like an eternity. Seasonal businesses feel this most acutely. For instance, a restaurant packed every Friday and Saturday still needs to pay suppliers and staff by Monday, and traditional banking timelines weren’t built with that in mind. The broader issue is that cash flow constraints don’t always signal a struggling business. Many growing businesses that run into cash-flow friction are doing everything right — they’re just waiting longer than they need to for their payouts. ### **What can you use your money for?** There are typically no restrictions on how funds accessed through instant payouts can be used, so you’re free to use the money however you need to. A few common use cases include: - **Payroll and staffing costs**: Pay your team on schedule without juggling settlement timing - **Inventory restocking**: Reorder before you run out, even mid-week or over a weekend - **Supplier and vendor payments**: Maintain supplier relationships and avoid late fees - **Rent and utilities**: Keep operations running without waiting on a deposit to clear - **Equipment repairs**: Address unexpected maintenance before it disrupts your business - **Time-sensitive opportunities**: Act on a bulk purchase discount or a limited-time deal before the window closes - **Seasonal businesses:** Use instant payouts to smooth out cash flow during off-peak periods When sales are steady, but the settlement timeline creates a gap, having funds on demand can mean the difference between keeping up and falling behind. ![Hair stylist washing a client's hair at a salon, a personal care business that relies on instant payouts to manage cash flow between card settlements](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Beauty-salon-landscape-image-1024x683.png)## **How do instant payouts work?** Most instant payout solutions are embedded directly within your existing payment platform, so there’s no separate account to open, no new application to complete, and no additional software to learn. Once you’re enrolled (typically a one-time process based on your payment processing history), you can initiate a payout at any time. First, choose the amount you want to access, up to the available balance from your card sales. Solutions will typically set a per-request maximum to manage risk on both sides. Before you confirm a payout, double-check any associated fees. The best solutions will require a one-time, upfront payment and nothing else. Once everything is approved, funds will be credited to your debit card or bank account within minutes. One thing to remember is that your standard payout schedule won’t be disrupted by using an instant payout solution. You’re not pulling from future sales; you’re just accessing money from sales you’ve already completed. That means the funds you pull out early are reconciled through your normal settlement process. Eligibility is generally based on your payment processing history, including how long you’ve been active with your processor and your transaction volume over time, rather than a credit check. That makes the process faster and more accessible to growing businesses that may not qualify for traditional financing. When evaluating instant payout solutions, look for: - Availability on weekends and holidays, not just standard business hours - Transparent fees that are shown before you commit, with no surprises after the fact - Fund delivery in minutes, not hours - A pay-per-use model with no subscription or monthly fees - An embedded experience within your current payment platform ## **Stop waiting for money you’ve already earned** For growing businesses that process card payments, the gap between earning revenue and accessing it is a real operational challenge. Thankfully, it’s one that can be solved. Instant payouts won’t replace your standard settlement process, but they’ll give you a reliable, on-demand option for the moments when timing matters most. At Flute, our Instant Payouts solution was built for exactly this. Eligible Flute merchants can access up to $10,000 from their daily card sales in minutes, any time, any day — including weekends and holidays — directly from the Flute dashboard. There’s no credit check, no borrowing, and no new tools to learn. We’ll show you a simple, transparent fee upfront, and you only pay when you choose to use it. If you’re already a Flute merchant, navigate to the “finance” section of your dashboard to see if you’re eligible. If not, [reach out to our team](https://flute.com/contact-us/) to learn more. Your earned revenue shouldn’t have to wait. With Flute, it doesn’t. **Categories:** Uncategorized **Audiences:** Associations, Growing businesses, ISO agents, SaaS providers **Post Flags:** Top Post **Topics:** Business growth, Faster payouts, Understanding payments, Working capital --- ### [Working Capital Loans: What They Are and How They Work](https://stg-flute-staging.kinsta.cloud/blog/working-capital-loans-what-they-are-and-how-they-work/) **Published:** May 28, 2026 **Author:** Leah Bodenhamer **Content:** Cash flow is one of the most persistent challenges growing businesses face. You might have strong sales, a loyal customer base, and a product people love, but if money isn’t coming in fast enough to cover what’s going out, growth can stall. Unfortunately, traditional funding options that are supposed to help often make things harder, with lengthy applications, credit checks, collateral requirements, and weeks of waiting, all for an uncertain outcome. The good news is that the landscape is shifting. A new generation of working capital solutions has emerged that’s faster, more accessible, and built around how businesses generate revenue. So, whether you’re eyeing a bulk inventory order, planning to bring on staff before a busy season, or just trying to keep operations steady during a slow stretch, there’s a path forward that doesn’t involve a bank branch or a pile of paperwork: working capital loans. ## **What is working capital, and how does it work?** Working capital, at its most basic, is the money a business has available to fund its day-to-day operations. It’s the difference between your incoming revenue and your short-term expenses — cash on hand versus bills due. For many growing businesses, that balance is tighter than it should be. [According to PYMNTS](https://www.pymnts.com/smbs/2025/study-finds-cash-flow-crisis-deepening-for-small-businesses-amid-tariffs-and-consumer-pullback), roughly 50% of small businesses rely on day-to-day sales or existing cash to stay afloat. That can leave small- and medium-sized businesses (SMBs) without the funds they need for: - Investing - Unexpected costs - Seasonal expenses - Funds for expansion Working capital solutions are funding products designed to bridge that gap. You may also see them described as revenue-based financing or merchant cash advances, depending on the provider. Rather than large, long-term loans intended for capital investments, these products provide shorter-term access to cash that you can put to work right away. Here’s how it works: 1. A provider reviews your recent sales performance and revenue history to determine how much you’re eligible for 2. You receive an offer within your existing payment portal and agree to the terms 3. Funds are deposited into your account, often within one to two business days Repayments are based on a small percentage of your daily or weekly sales, which means what you pay back rises and falls with your actual revenue. And because payments are automatic, you never have to keep track of deadlines or invoices. ## **How is working capital different from traditional bank loans?** Traditional bank loans are built around a lending model designed for a different era of business. To qualify, you typically need several years of operating history, strong personal or business credit, collateral like real estate or equipment, and a detailed business plan. Even then, the process can take weeks or months, and approval isn’t guaranteed. That model leaves a significant portion of businesses behind. [Goldman Sachs research](https://www.goldmansachs.com/pressroom/press-releases/2025/small-businesses-face-challenges-accessing-capital-uncertainty-around-tax-and-trade-policy) found that 77% of small business owners worry about access to capital. And [PYMNTS data](https://www.pymnts.com/smbs/2023/working-capital-solutions-offer-small-businesses-stability-amid-surge-in-bankruptcies/) shows that only about 39% of Main Street SMBs have access to financing sources like business credit cards and working capital loans. Newer working capital solutions take a fundamentally different approach. Rather than leading with credit history, they look at actual business performance: how much revenue a business is generating, and how consistently. That shift matters because a business with healthy sales but a limited credit history can still qualify, opening the door to funding for a much broader range of owners. Speed is another factor. While traditional loans can take 30 or more days to fund, most working capital solutions are designed to provide businesses with funds in one to two business days. In many cases, offers are pre-generated based on existing payment processing data, which means you’re looking at a real, personalized number before you’ve filled out a single form. ![Small business owner on the phone while managing inventory in a warehouse, using working capital to restock and keep operations running smoothly](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Capital-lending-blog-header-2-1024x538.jpg)## **How does eligibility and repayment work?** Because working capital solutions are built around revenue rather than credit, the eligibility framework is different from what you’d encounter at a bank. Providers that offer this type of financing typically assess eligibility based on four key factors: - Your average monthly sales volume - How long you’ve been processing payments - The consistency of your transaction history - The overall health of your payment accounts Credit scores and collateral typically aren’t part of the equation. That makes these products accessible to businesses that are operationally strong but may not have a long credit history. It’s also great for newer businesses and those that have dealt with financial setbacks in the past. One practical upside of this model is that the more consistently you process sales, the stronger your eligibility will be. For instance, some providers update offers dynamically as your revenue grows, so access to capital can scale with your business SMBs face a lot of challenges when it comes to accessing financing through traditional channels. For instance, the World Bank Group found that there’s a [$5.7 trillion financing gap](https://www.worldbank.org/ext/en/topic/competitiveness/small-and-medium-enterprises-smes-finance) across 119 emerging markets and developing economies. Revenue-based working capital offers a meaningful alternative for the businesses that gap leaves behind. On the repayment side, it’s important to look for working capital solutions that calculate repayment as a percentage of daily sales rather than a fixed monthly payment. That’s because a fixed payment stays the same whether you had your best week of the year or your slowest. On the other hand, a sales-based repayment adjusts automatically, which means you pay less on slower days and more on days when sales are high. This framework protects your margins on slow days and helps prevent cash flow issues. The best capital solutions also charge a single, fixed fee (sometimes called a factor rate) rather than an interest rate that compounds over time. That means you know the full cost of your loan upfront, with no surprises as you repay it. ## **What can you use working capital for?** One of the advantages of most working capital solutions is that they don’t come with strict restrictions on how the funds are used. That’s intentional — because every business’s priorities are different, and the most urgent opportunity today may look nothing like the one next quarter. Let’s break down a few examples. #### **Inventory** Inventory is one of the first areas businesses often invest their new capital. Whether you’re stocking up ahead of a high-demand season, taking advantage of a bulk-pricing opportunity from a supplier, or trying to avoid stockouts that cost you customers, fast access to capital lets you act when the timing is right rather than when your bank account allows it. #### **Equipment** Equipment upgrades follow a similar logic. New equipment often means higher capacity, better efficiency, or services you couldn’t offer before. But the cost is typically front-loaded while the benefit takes time to materialize. Working capital can close that gap without disrupting day-to-day operations. #### **Staffing and training** Staffing and training are other common use cases. Bringing on an extra team member before a busy season gets underway, instead of scrambling to hire once it’s already peaked, requires capital that most businesses don’t have just sitting by. The same applies to training a team on a new system or service. #### **Marketing and development** Marketing and business development round out the picture. Running a campaign, attending an industry event, or investing in a new channel all require upfront spending. Working capital lets businesses act on those opportunities without drawing down the operational reserves they depend on. Beyond those specific categories, a lot of businesses simply use working capital to strengthen their cash position. A buffer provides flexibility when unexpected expenses hit or when a major customer takes longer than expected to pay. ![Veterinary team examining a small dog in a clinic, a growing business that can use working capital loans to invest in equipment and staffing](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/AdobeStock_190647189-1024x683.jpeg)## **How to get started** [PYMNTS research](https://www.pymnts.com/smbs/2025/90percent-of-smbs-say-embedded-finance-is-now-essential) found that 90% of SMBs say access to embedded financial products and services is essential to their operations. However, [separate PYMNTS data](https://www.pymnts.com/smbs/2025/study-finds-cash-flow-crisis-deepening-for-small-businesses-amid-tariffs-and-consumer-pullback) shows that only about 44% have access to the working capital solutions they need. The best working capital solutions are ones that fit into how your business already operates. Look for providers that evaluate eligibility based on your actual sales volume, offer funding without a drawn-out application process, and structure repayment in a way that adjusts with your revenue. Transparency around fees matters too; a clear, fixed cost upfront is much more manageable than a rate that shifts over time. If you’re already processing payments through a platform that offers embedded capital, start there. Ideally, your offer will be built around your transaction data, with minimal processes and quick funding. Flute Capital is designed to do exactly that. As part of the Flute payments platform, eligible businesses receive working capital offers based on their actual payment processing history — no credit check, no collateral, and no separate application required. The process takes minutes, funding arrives within one to two business days, and repayment adjusts with your daily sales, so your cash flow stays protected. If you’re already processing with Flute, check your dashboard to see if there’s an offer ready for you. Or reach out to a [member of our team](https://flute.com/contact-us/) to learn how to get started. **Categories:** Uncategorized **Audiences:** Associations, Growing businesses, ISO agents, SaaS providers **Post Flags:** Top Post **Topics:** Business growth, Working capital --- ### [Understanding Embedded Finance: Beyond Payments ](https://stg-flute-staging.kinsta.cloud/blog/understanding-embedded-finance-beyond-payments/) **Published:** May 28, 2026 **Author:** Leah Bodenhamer **Content:** Software platforms are transforming how people pay, borrow, and manage money. In the past, customers relied on separate banks, lenders, or insurers to complete financial tasks. Today, more of these services are being built directly into the digital products people already use. This shift is called embedded finance, and it’s one of the most impactful trends in financial technology. For SaaS (software-as-a-service) executives, product leaders, and business owners, embedded finance unlocks new ways to grow platform value, generate revenue, and build stronger customer relationships. With the right partner, platforms can add features like payment acceptance, recurring billing, and even banking tools like lines of credit, deposit accounts, and disbursements — without taking on the complexity of becoming a bank. Let’s take a closer look at what embedded finance is and how it can help you grow your software company, expand revenue, and build a happier, stickier user base. ## **What is embedded finance?** Embedded finance is the process of integrating financial services like payments, lending, insurance, or banking into software that was not originally designed for finance. For instance, a pet care company might use its scheduling platform to book appointments and send invoices within the app. Or, an auto repair shop might let customers finance their bill through its business management software. In both cases, the businesses don’t have to go through a separate vendor for payments or lending; the features are built directly into the core platform, offering a more seamless and intuitive user experience. The biggest benefit of embedded finance is convenience. Users don’t have to juggle multiple vendors, bounce between platforms, or log into different systems to get things done. Instead, everything happens in one place. That means users have access to more relevant, curated financial solutions that keep them engaged and capture more value from every transaction. ### **Beyond payments: lending, insurance, banking as a service** Embedded finance isn’t limited to payment processing. Many solutions also include: - Lending solutions like BNPL (buy now, pay later) or [working capital](https://risewithaurora.com/working-capital/) financing - Insurance offerings that can be added at the point of sale - Banking services like automated account creation, custom deposit accounts for faster deposit availability, or debit card issuance Each element of embedded finance is designed to work seamlessly within the software company’s native application. ![Two business professionals reviewing an embedded finance integration on a laptop during a meeting](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/AdobeStock_1280565701-1024x540.jpeg)## **3 key benefits of embedded finance** Software companies are embracing embedded finance not just because it’s more convenient for users, but because it helps platforms grow and open new revenue streams. Here are three benefits to consider: ### **Customer retention and platform stickiness** When your users can do more inside your software, they’re more likely to stay long-term. Payments are often the first step. Instead of directing users to an outside payment page, embedded payments allow them to complete transactions through your application, whether it’s in-person with a point of sale (POS) system, with an app on their iPhone, or through an e-commerce marketplace integration. The convenience of simplifying daily workflows and accelerating checkout builds loyalty. It also allows you to offer services like recurring billing, stored payment methods, and digital invoicing to keep customers connected to your platform over time. You worked hard to earn your customers, and offering the right financial tools can help you keep them. ### **New revenue from payment activity** Another reason SaaS companies invest in embedded finance is that it opens a new revenue stream without having to manage or build payments infrastructure from scratch. Every time a customer makes a payment, you earn a share of the transaction. Over time, this can become a major contributor to your company’s bottom line, especially as you gain more users. Remember, not every embedded payment solution offers revenue sharing, so it’s important to ask upfront what your earnings will be. The right partner will also provide the APIs, embeddable components, onboarding tools, and compliance support needed to operate in the background, while you focus on growth. ### **Fully branded user experience** Brand matters, especially for companies that have invested in their design and customer experience. With embedded payments, for instance, payment flows remain inside your software platform and reflect your branding. This includes checkout pages, receipts, account management screens, and more. This continuity reinforces your brand at every touch, building recognition and trust with your users. Your embedded finance partner should offer full control over the look and feel of your payment experience. There’s no need to redirect users to a third-party processor or use off-brand forms, so be sure to ask providers about flexible APIs and easy-to-use interface components that you can style to match your brand. ![Two small business owners at an outdoor market reviewing their software platform and embedded payment tools on a laptop](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/AdobeStock_710332543-1024x576.jpeg)## **Embedded finance in action** Embedded finance is growing in popularity across a variety of industries, and for good reason. Here are a few examples of how embedded solutions can be valuable if you’re a vertical software provider: - **Veterinary platforms** can offer recurring wellness plans with automatic card billing, helping clinics get paid on time while cutting down on manual follow-ups and admin work - **Jewelry software providers** can support large purchases with secure bank payments inside the app, reducing credit card fees and lowering risk on high-value transactions - **Transportation and logistics platforms** can use text to pay and itemized electronic invoices to speed up payments and create more predictable cash flow across locations - **Funeral home management software** can provide branded, discreet payment links for both pre-need and at-need services, making a sensitive process easier for families - **Bike shops** can use embedded working capital loans to expand their demo fleet of high-margin eBikes Each of these examples shows how embedded financial solutions not only simplify operations but also open up new revenue opportunities. ## **Integrating financial services: how to get started** Embedded finance isn’t just a trend — it’s an expectation. As users expect more from their software tools, platforms that offer integrated financial services will stand out. At Flute, we give SaaS companies and software platforms a fast, reliable way to embed payments and capital products into their native solutions. With modern APIs, strong support, and a clear revenue model, we can help you move from payment processing to full financial integration – and in the process, deliver more value to each customer, increase retention, and increase your profitability per customer. If you’re ready to embed payments and other financial tools into your software solution, [reach out to our team](https://flute.com/contact-us/) for more information. **Categories:** Uncategorized **Audiences:** SaaS providers, Software developers **Post Flags:** Top Post **Topics:** Developer solutions, Embedded payments, Flexible payments, Payment processing, Understanding payments --- ### [Countertop or Mobile? How to Choose the Right Card Reader ](https://stg-flute-staging.kinsta.cloud/blog/countertop-or-mobile-how-to-choose-the-right-card-reader/) **Published:** May 28, 2026 **Author:** Leah Bodenhamer **Content:** You’ve been running your boutique from the same spot for years, and the countertop device behind your register has done the job well. One weekend, you’re invited to set up a booth at the local farmers’ market. You’re excited to get out and meet some new customers, but don’t give much thought to how you’ll take payments. The problem is, your usual hardware is designed to stay put: plugged in and wired to a counter. Now that the weekend has arrived, you’re left with two options — cancel your market appearance or scramble for a last-minute solution. Going back to the drawing board when you’re in growth mode isn’t fun. But choosing the right payment hardware is a lot easier when you understand your options before you need them. Whether you’re just getting started or dipping your toe into a new market, it’s important to invest in the right technology from the start. Here’s how to tell your options apart and choose what’s right for your business. ## **The two main types of payment hardware** Most payment hardware, whether it’s a card reader, a countertop device, or a mobile setup, falls into one of two categories: countertop and mobile. Understanding the difference and what each is actually built for is important when you’re just getting started or looking to expand. ### **Countertop payment devices** A countertop device, sometimes called a countertop card reader or credit card machine, is a fixed unit that lives at your point of sale, like at the register or service counter. These devices connect to a power source and the internet (via Wi-Fi or Ethernet) and are designed for consistent, high-volume sales. They typically feature larger screens, more processing power, and in many cases, built-in receipt printers and customer-facing displays. ### **Mobile payment devices** Mobile payment hardware is designed for movement. These include compact mobile card readers, wireless handheld devices, and small card readers that attach to a smartphone or tablet — letting you accept payments from anywhere: a table, job site, pop-up market, or festival. Customers increasingly want to pay where they are, on their terms. A payment setup that can’t keep up with your business when you need to take it on the go creates friction before the transaction even begins. ## **The case for countertop hardware** For brick-and-mortar businesses with a defined checkout area, countertop hardware makes a lot of sense. Stability is the biggest advantage. A device with a reliable power source and a wired or strong Wi-Fi connection can process transactions reliably, without the battery concerns or signal drops that mobile devices can sometimes cause. When every second at checkout counts, that reliability matters. Countertop devices also tend to offer a better user interface and a more complete feature set. Larger screens make it easier for customers to interact with their transactions, view details, enter a PIN, or sign. Many countertop models also include integrated receipt printers, barcode scanners, and customer-facing screens that streamline checkout from both sides of the counter. #### **Where countertop hardware tends to work best:** - Brick-and-mortar retailers with dedicated checkout areas - Quick-service restaurants and cafés where customers order at the counter - Professional services (salons, spas, medical offices) where clients pay at the front desk - Grocery stores and other high-volume retail environments Countertop devices are stationary by design, so if you need to bring the payment experience to your customers, a countertop-only setup won’t get you there. Countertop devices can also be pricier than smaller, mobile options. For businesses just getting started, a larger piece of hardware might not be worth the upfront investment. ![Smiling café owner helps two customers at the counter while one taps to pay at the point of sale terminal](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/AdobeStock_1394757992-1024x683.jpeg)## **The case for mobile payment hardware** Mobility changes the customer experience in ways that are hard to overstate, and the numbers reflect it. [Federal Reserve data](https://www.frbservices.org/news/research/2025-findings-from-the-diary-of-consumer-payment-choice) shows U.S. consumers now use mobile phones for roughly 23% of all monthly payments, a figure that’s nearly tripled since 2018. Among young adults aged 18 to 24, that number jumps to 45%. Customers are paying on the go, and they expect that convenience everywhere they shop. Food trucks, pop-up vendors, on-site contractors, and mobile groomers need payment options that are as flexible as they are. But mobile credit card readers aren’t just for businesses on the move. Consider what they can do for a restaurant. On a busy Friday night, your server can take an order on a handheld device, return to the table at the end of the meal, and process the payment right there. No trip to the back, no shared device, and no passing cards across the table. According to the [National Restaurant Association](https://restaurant.org/education-and-resources/resource-library/new-report-examines-the-technology-landscape-in-todays-restaurants/), 62% of full-service restaurant diners said they’d use a tablet to pay at the table, and 63% said they’d be comfortable paying by smartphone. They still want human interaction, but they’re open to tech when it makes the checkout easier. That’s a strong signal, and a real opportunity for restaurants to adapt. Mobile hardware is also typically more affordable to get started with than a full countertop setup, making it an accessible entry point for businesses in their early stages or operating on tighter margins. There are limitations, though, that are worth considering. For instance, battery life is a genuine concern, especially during long event days or outdoor markets where charging isn’t always available. Signal reliability can vary by location and carrier. And for businesses processing very high transaction volumes quickly, a mobile credit card reader’s smaller size and screen may not match the processing power of a purpose-built countertop setup. **Mobile hardware tends to work best for:** - Food trucks, farmers market vendors, and event-based businesses - Home service professionals: contractors, cleaners, landscapers, and mobile stylists - Restaurants adding tableside payment to the dining experience - Growing businesses that need flexibility before committing to a permanent setup ## **What’s the best card reader for small businesses?** For many business owners, the answer isn’t one or the other: it’s a combination. As mentioned earlier, a full-service restaurant might keep a countertop device at the bar *and* provide waitstaff with handheld devices to take tableside payments. Similarly, a boutique might have hardware at the front desk and equip floor staff with mobile devices, so customers don’t have to wait in line. The goal isn’t to pick a category, but to build a payment setup that supports your long-term goals, no matter how or where you do business. ## **A few more features worth keeping in mind** Once you’ve settled on the right device type, there are a few extra features to consider. None of them are dealbreakers, but they can make a real difference in how smoothly things run day to day. ### **Receipt printing** Most countertop devices come with a built-in receipt printer. Mobile hardware often doesn’t. If you regularly hand customers a paper receipt, look for a device that includes a printer or budget for an external Bluetooth device. Many mobile setups support email or text receipts as an alternative, which cuts down on paper and simplifies your setup without losing the confirmation customers expect. ### **Magnetic stripe card support** Chip and contactless cards are the standard today, but magnetic stripe cards are still in use. [Federal Reserve data](https://www.frbservices.org/news/research/2025-findings-from-the-diary-of-consumer-payment-choice) shows that debit and credit cards combined account for about 65% of U.S. consumer transactions. That said, not every cardholder has a contactless-enabled card yet. If your device handles swipe, chip, and contactless, you’ll never have to turn someone away because of how their card is set up. ### **Automated tipping prompts** Restaurants, coffee shops, mobile grooming services, and delivery operations live on tips. If that includes you, look for a device that prompts customers at checkout with suggested tip amounts. It takes the mental math off the customer and encourages them to leave a little something extra. For businesses where gratuity is part of how your team gets paid, that one feature can add up quickly. ### **Cash discounting and dual pricing** Every card transaction comes with a processing fee. [Cash discounting and dual pricing](https://flute.com/products/dual-pricing-surcharging/) are two ways to offset that cost without absorbing it entirely. With cash discount programs, card payments will automatically include processing costs on top of your base price, while customers who pay in cash will receive a small discount. Dual pricing shows both prices side by side at checkout. Both models are legal nationwide, though state and card network rules vary. If protecting your margins is a priority, look for hardware that natively supports these programs. ![Customer receives her order at a food truck while paying with her mobile phone, as other customers wait in line](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/mobile-eats-landscape-image-3-1024x683.jpg)## **How to choose what’s right for your business** The best payment hardware doesn’t call attention to itself. It works quietly in the background, letting you focus on your customers and your business. Start by thinking honestly about your operation. Where do transactions happen: at a counter, at a table, in the field? Do customers come to you, or do you go to them? How many payments do you take on a typical day? A 2025 PYMNTS report found that [one in three customers would skip a purchase entirely](https://www.pymnts.com/study_posts/what-consumers-do-when-their-go-to-credit-choice-is-unavailable/#:~:text=What%20Consumers%20Do%20When%20Their,skip%20or%20delay%20their%20purchase) if their preferred payment method was unavailable. That means getting your hardware right is one of the best ways to close the gap between what customers expect and what you offer. Here are a few questions to ask yourself before you make a final decision: - Where do I need to accept payments: at a counter, at a table, at a job site, or at events? - How important is battery life versus a stable, wired connection for my typical setup? - Do I need to print receipts on-site, or are digital receipts enough for my customers? - Will my customers be using older cards that require magnetic stripe support? - Does my business depend on tips, and would automated prompts benefit my team? - Would a cash-discounting or dual-pricing program help protect my margins? - Am I building one fixed location, multiple locations, or a mobile-first operation? If you get stuck, ask your payment provider to walk you through your options. The best provider will partner with you to find the ideal solution for your business. Payment hardware is one of those things you don’t notice when it works well — and notice immediately when it doesn’t. Choosing the right setup doesn’t have to be complicated. Whether you’re setting up your first location or expanding into new channels, understanding the difference between countertop and mobile hardware and knowing which features to look for makes it easier to serve your customers and be successful in the long term. Flute offers payment hardware built for growing businesses, with flexible options, transparent pricing, and tools that give you full visibility into your payments and your margins, all in one place. Ready to find the right fit? Explore our [payment hardware options](https://flute.com/products/hardware/) or reach out to a member of our team to get started. **Categories:** Uncategorized **Audiences:** Growing businesses **Topics:** Flexible payments, In-person payments, Mobile payments, Payment processing, Understanding payments --- ### [The SMB Guide to No-Fee Credit Card Processing](https://stg-flute-staging.kinsta.cloud/blog/the-smb-guide-to-no-fee-credit-card-processing/) **Published:** May 28, 2026 **Author:** Leah Bodenhamer **Content:** Credit card fees often feel like an unavoidable cost for growing businesses. Every swipe takes a portion of your revenue, cutting into your profits and making it harder to invest in growth or cover daily operations. In 2023, businesses paid [a total of $224 billion in swipe fees](https://merchantspaymentscoalition.com/credit-and-debit-card-swipe-fees-totaled-224-billion-2023-nearly-one-third-more-previously-believed), nearly a third more than in previous years. As more consumers pay with credit cards and digital wallets, that number will only grow. But what if you could shift the cost of card acceptance to your customers in a clear, compliant way, without simply raising prices across the board? No-fee credit card processing allows you to do just that. With this model, businesses can use surcharging, cash discounting, and dual pricing to keep more of what they earn, let customers choose how to pay, and maintain transparent pricing. Let’s break down how no-fee processing works, the tools and compliance requirements involved, and what it means for your day-to-day operations. ## **How do credit card processing fees work?** Before you can get rid of card fees, it’s important to understand how they work and what you’re paying for. In general, there are three main types of processing fees, including: - **Interchange fees:** Charges set by the card networks and paid by your bank to the customer’s card-issuing bank. They vary based on card type, how the transaction is processed, and your industry - **Assessment fees:** Fees set by the card networks for using their payment networks. They vary based on transaction type and whether the payment is domestic or international - **Processor markups:** What your payment processor charges for managing your transactions. These costs cover technology, customer support, and service-related costs A lot of payment processors advertise low base rates, but final costs can sometimes include hidden fees like PCI-compliance charges, batch processing, or monthly minimums. Equipment leasing or cancellation fees may also pop up. Although they might not seem like much on the surface, payments-related fees can add up quickly. That’s why it’s important to understand what you’re expected to pay and what you can potentially negotiate with the right provider. ## **What is no-fee credit card processing?** No-fee or [zero-cost card processing](https://flute.com/products/dual-pricing-surcharging) enables businesses to pass credit card fees to their customers, so they can keep more of what they earn. The right partner will walk you through your options so you can stay compliant and maintain clear, transparent pricing. How does no-fee processing work? There are three main ways to offset credit card fees, including surcharging, cash discounting, and dual pricing. #### **Surcharging** With surcharging, you can add a small fee to your total bill to cover processing costs. For instance, you might add a 2.5% fee to a $50 bill, bringing the total to $51.45. Because credit cards come with higher processing costs, surcharging wouldn’t affect debit card or cash payments. #### **Cash discounting** Instead of charging customers more for using credit cards, cash discounting lets you to reward buyers who pay in cash. Unlike surcharging, this model shows a higher default price and then applies a discount when cash or other low-cost payment methods are used. For instance, you might list the cost of a latte at $5.50, but drop it to $5.00 when a customer pays in cash. #### **Dual pricing** Dual pricing lets you showcase two different prices — one for credit cards and one for cash or debit — so customers can see the difference in real time and make an informed decision about how they want to pay. All three models are strictly monitored and require clear disclosure and compliance with federal, state, and card network regulations. We’ll get to that in a bit. ## **What are the benefits and challenges?** Zero-cost credit card processing is a fantastic way to pass along fees and protect your revenue. But, since it’s such a highly regulated model, there are some potential challenges to keep in mind. So, let’s break down the pros and cons. ### **Benefits of no-fee processing** - **Reduced credit card fees:** By passing along processing costs to your customers or encouraging them to use lower-cost payment methods, you improve profit margins and cash flow consistency - **Less work:** Most modern payment systems handle surcharging and cash discounting automatically with minimal staff overhead. This frees up your time to focus on running your business and delivering a stellar customer experience - **Happier customers:** By offering a discount for paying with cash, ACH, or debit cards, you can reward customers rather than penalize them. This not only saves you money, but also improves the overall shopping experience ### **Challenges of no-fee processing** - **Customer reaction:** It’s easy to frame cash discounting as a reward, but if you choose surcharging instead, you should be prepared to navigate poor customer reactions. Clear signage, upfront communication, and staff education are all crucial for navigating customer feedback - **Competitive pressure:** If rivals don’t pass on fees or appear to offer “free” card payments, you may need to reframe your strategy - **Regulatory complexity:** No-fee processing options — especially surcharging — are subject to greater industry compliance requirements. Unless you’re careful, mistakes can lead to chargebacks, fines, or account termination ![Client using a reformer at a wellness studio that uses cash discounting to reduce credit card processing fees](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Fitness-training-landscape-image-2-1024x538.jpg)## **What industries benefit most?** Businesses with narrow profit margins, frequent credit card transactions, or high-ticket services typically see the most benefits from lower processing fees. Industries might include professional services, specialty retail shops, field services, or other operations where card costs affect profitability. Here are a few real-world examples: #### **Health care** A family practice that processes $50,000 in monthly credit card payments can use dual pricing to eliminate fees without disrupting workflows, especially if their payment platform integrates with their electronic health record systems. #### **Personal care & wellness** A yoga studio with $120 monthly memberships can offer discounts to customers who use cash or ACH payments instead of credit cards. Offering more flexibility keeps members happy while allowing the studio to keep more of its profits. #### **Jewelry retail** A jewelry retailer could use dual pricing to list cash and credit prices for a ring, allowing it to keep the price consistent while adding a clear card fee. They could also offer split payments, so customers can use multiple payment methods or split a purchase between them. ## **Is no-fee credit card processing legal?** Yes, no-fee processing models like surcharging, cash discounting, and dual pricing are legal in most states. That said, all three come with their own rules and regulations. Staying compliant is crucial to avoid fines and maintain your business’s good standing, so it’s important to find a payments provider who will help you understand the intricacies of credit card regulations. For instance, surcharging is not allowed in all states. Connecticut and Massachusetts prohibit surcharging altogether, while other states have strict rules around disclosure and communication. Card networks like Visa and Mastercard also require advance notice and cap surcharges (usually at 3%). Businesses also need to list surcharges as separate line items on receipts. Businesses can’t apply surcharges to debit cards and need to ensure pricing stays consistent across all locations. When in doubt, talk to your payments provider about zero-cost processing. The best providers will explain everything you need to know and will walk you through the steps required to stay compliant. Here are a few rules to keep in mind as you’re considering whether to adopt this payment model: - **Transparent disclosures:** Businesses must clearly disclose surcharges before transactions are complete. For cash discounts, the posted price should reflect the real cost, and the discounted amount should be clearly visible - **State and card network rules:** Some states prohibit surcharges altogether, while others allow them under specific rules. Ask your provider whether you qualify - **Card network rules:** The big card brands like Visa require at least 30 days’ notice before implementing a surcharge. They also have guidelines around what to list on your receipts - **Misclassification:** Surcharges only apply to credit card transactions, not debit or prepaid cards ![Small business team reviewing no-fee credit card processing options on a laptop in their office](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Legal-financial-landscape-image-4-1024x683.png)## **Getting started: 9 steps to a successful integration** Implementing no-fee credit card processing requires thoughtful planning to ensure compliance, transparency, and a positive customer experience. Here are nine steps to evaluate your eligibility, choose the right pricing approach, and roll out no-fee processing with confidence. 1. **Assess your fit:** Review your transaction volume, average ticket sizes, customer payment habits, margins, and sensitivity to price changes to determine whether a no-fee model makes sense for your business 2. **Review laws and card network rules:** Take the time to understand state and local regulations, card brand requirements, and any other restrictions related to surcharging, dual-pricing, or cash discounting. Your payments provider can help with this 3. **Select your pricing model:** Choose the approach that fits your business and customer base best, or use a combination of the three 4. **Select your technology:** Choose a payment platform and point of sale (POS) system [that supports no-fee processing](https://flute.com/products/payment-processing/). Your solution should automatically calculate and display fees or discounts, integrate with your existing systems, and provide clear reporting 5. **Notify card networks (if required):** If you decide to implement surcharging, notify Visa and Mastercard in advance and confirm that your technology and hardware are properly configured to meet network rules 6. **Prepare signage and train staff:** Develop clear signage and online messaging, and train staff so customers understand their payment options and employees can confidently explain your new policy 7. **Test and pilot:** Run test transactions to confirm fees are applied correctly, receipts display accurate pricing, and the customer experience works as intended. If it’s possible, run the pilot in a limited environment 8. **Monitor and adjust:** Track your transaction mix, customer feedback, and financial impact so you can refine your pricing, messaging, or workflows as needed 9. **Scale and optimize:** Roll out your new policy more broadly once you’re confident that your technology is ready to go, you have clear communication in place, and you’re compliant with any state and industry rules and regulations ## **Finding the right partner** With no-fee processing, you can turn a common business expense into a strategic advantage. With the right setup, you can eliminate card fees, maintain compliance, and give customers more ways to pay. But the best results will come from partnering with the right payments provider — someone who is intimately familiar with your industry and can walk you through everything you need to get started. As you talk to potential providers, be sure to ask the following questions: - Do you integrate with my existing POS, e-commerce, or billing systems? - Do you offer built-in support for surcharges, cash discounts, and dual pricing? - Do you support automated workflows and reporting? - Do you offer compliance features like notice displays, receipt formatting, and card brand registration? - Do you provide [detailed analytics](https://flute.com/products/dashboard-and-reporting/) showing which payment methods are being used and how fees are managed? - Are your terms transparent? - Do you offer full disclosure of how fees, discounts, and alternative payment methods might impact my finances? Don’t settle for a provider that doesn’t fully support no-fee processing. By understanding your options and implementing them carefully, this model can help you control costs and grow while keeping customers happy long-term. If you’re feeling the squeeze from credit card fees, it’s worth looking into whether this option makes sense for you. Reach out to [a member of our team](https://flute.com/contact-us/) to learn more. **Categories:** Uncategorized **Audiences:** Growing businesses **Topics:** Cost savings, Understanding payments, Zero-cost processing --- ### [Amazon Prime Day for Small Businesses: 6 Ways to Win](https://stg-flute-staging.kinsta.cloud/blog/amazon-prime-day-for-small-businesses-6-ways-to-win/) **Published:** May 28, 2026 **Author:** Leah Bodenhamer **Content:** Maria runs a specialty kitchen store just off the main square. For one week every summer, the sidewalk outside her shop gets quiet, and it has nothing to do with the heat. Her customers are scrolling Prime Day deals, loading digital carts, and waiting for a little grinning box to show up on their doorstep. Foot traffic moves to someone else’s cart, and Maria spends the week watching it happen. If you run a business, you know the feeling. Amazon Prime Day has grown into one of the largest shopping events of the year. In July 2025, U.S. consumers spent an estimated [$24.1 billion online](https://www.digitalcommerce360.com/article/amazon-prime-day-sales/) across the four-day event, nearly the same as Black Friday and Cyber Monday combined. That’s a lot of money flowing away from independent retailers, service providers, and local businesses. Thankfully, Prime Day doesn’t have to be a total loss. Growing businesses have real advantages that the biggest players can’t match, like personal relationships, flexible payment options, and hands-on service. Let’s look at six sales strategies to help you stay competitive during Prime Day and the weeks that follow. We’ll focus on how your payments setup can do a lot of the heavy lifting and how to prepare before the big day this June. ## **Why Prime Day is hard for growing businesses** Prime Day does two things well: - It compresses weeks of shopping into a few days - It gets shoppers thinking about value People who might have walked into your store in August are now checking whether they can get something similar online for less. But you don’t need Amazon’s scale to give customers a reason to buy from you. You just need to meet them where they are, with the offers, payment options, and experiences that fit how they actually want to shop. ![Shopper browsing an independent boutique with her phone in hand, choosing a small business over a big-box online retailer](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/AdobeStock_1295719689-1-1024x683.jpeg)## **How to compete with Amazon on Prime Day** Let’s dive into six strategies you can follow to hold your own during the Prime Day rush. Mix and match what works for your business, and lean into the payment-focused tactics, since those are the ones big retailers can’t personalize the way you can. ### **1. Run your own sales event, but time it strategically** Going head-to-head on price during Prime Day is usually a losing game. Instead, run your own event that leads up to or follows Prime Day. For example, a pre-Prime Day promo can capture shoppers who haven’t committed yet, while a post-Prime Day event can pull in people who missed out or are still comparison shopping. Keep the sale focused and easy to understand. Bundles are fantastic for attracting buyers without lowering prices. If you’d prefer to offer a discount, a straightforward 10% off site-wide sale usually lands better than a complicated tiered promotion. And don’t forget the checkout itself; a great offer loses its shine when the payment process is clunky, so make sure your checkout supports repeat purchases, digital wallets, and online options that match how your customers pay. ### **2. Offer flexible payment options** One of the biggest reasons customers choose online giants during Prime Day is how little effort the checkout process requires. Your card, address, and preferences are already saved, so buying feels like tapping a button. The Baymard Institute found that [18% of U.S. shoppers](https://baymard.com/lists/cart-abandonment-rate) abandoned an online purchase last quarter because the checkout process was too long or complicated, not because they changed their minds about buying. The best way to fix this is with tokenized payment data. When a customer pays, their information is saved as a secure token that stands in for the card number. The next time they buy something, they don’t have to re-enter their payment details — they just click “buy now,” and they’re done. Digital wallets like Apple Pay and Google Pay are also tokenized, so accepting them gives repeat customers a fast, secure way to pay online and in-store. The customer gets a premium, no-friction experience, and your business never holds the actual card data, which keeps most of the PCI compliance burden off your plate. [70% of consumers](https://www.pymnts.com/checkout-conversion/2025/70-percent-of-shoppers-prioritize-payment-method-when-deciding-where-to-shop) say the availability of their preferred payment method is very or extremely influential in deciding where to shop. That means offering flexible, one-click payment options is key to competing with bigger players during special events. ### **3. Launch or spotlight a small business rewards program** A small-business rewards program is one of the best ways to bring customers back, and Prime Day offers a great opportunity to launch one or to promote the one you already have. Research published in Harvard Business Review found that increasing customer retention by just [5% can boost profits](https://hbr.org/2014/10/the-value-of-keeping-the-right-customers) by 25% to 95%. The simplest loyalty programs tend to work best: a punch card, a points system tied to spend, or a tiered program that rewards frequency. You can also tie rewards to specific payment methods, like double points for customers who pay with a saved digital wallet or who enroll in autopay. ### **4. Build recurring revenue with subscriptions** If you sell items or services that customers need more than once, consider setting up a subscription or membership program. Here are a few examples of what that might look like: - A coffee roaster offers a bean club so customers can get a new blend delivered right to their doorstep each month - A pet supply store auto-ships food every six weeks, so pet owners never have to worry about running out - A cleaning service offers regular, scheduled visits instead of only one-off jobs Subscriptions give you predictable revenue, smooth out seasonal dips like the Prime Day slump, and build the kind of relationship big retailers struggle to replicate. They also make life easier for your customers, since they don’t have to reorder, rebook, or remember to shop for necessities. ### **5. Make pickup effortless with click and collect** Prime Day’s real hook isn’t always the price. It’s the convenience: a customer gets something delivered in a day or two without spending hours browsing aisles. One way to match that convenience without slashing shipping costs is with click and collect. This option, also called buy online, pick up in store (BOPIS), lets customers purchase on your website and pick up their order within hours, not days. The demand is already there. U.S. click-and-collect retail sales are [projected to hit $177.9 billion](https://capitaloneshopping.com/research/omnichannel-statistics/) in 2026, up more than 15% year over year, and 85% of BOPIS shoppers report making an [additional purchase](https://capitaloneshopping.com/research/buy-online-pick-up-in-store-statistics/) when they come in to pick up an order. That’s a built-in opportunity to turn a single online purchase into a larger in-store sale, and it works across categories, from clothing and home goods to specialty foods and service packages. ### **6. Win after the sale with better retention** A customer who buys from you during Prime Day and has a great experience can be yours for years. Use the weeks after Prime Day to follow up thoughtfully, with a thank-you note with a small credit, a text reminder about a related product, or an invitation to your rewards program. Your payment data is a powerful tool here. Knowing when customers buy, how often, and what they prefer will help you personalize their experience. That personal touch is what turns a Prime Day impulse buy into a regular customer. ![Inside an independent specialty retail shop with clothing racks and product displays, the kind of small business competing for customers during Prime Day](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Consignment-resale-landscape-image-3-1024x683.jpg)## **A quick checklist for Prime Day week** Here’s a list of things you can do right now to get ready: 1. Audit your checkout to make sure it supports digital wallets and contactless payments 2. Choose a promotion window that sits just before or just after Prime Day 3. Promote your rewards program everywhere your customers see you: email, social, and in-store signage 4. Review your subscription or auto-refill options and make sure they’re visible at checkout 5. Set up or simplify your click and collect process so customers can buy online and pick up the same day Remember, doing two or three of these well will move the needle more than trying to do all five at once. If you’re not sure what to change in your payments setup, your provider is the right place to start — they can tell you what’s already built in and where to go next. ## **Compete with Amazon on experience, not price** This Prime Day, the question isn’t whether you can outspend Amazon but whether you can provide a better experience. By offering a variety of unique promotions and simple, invisible ways to pay, you can make it easier and more rewarding for customers to buy from you than from anyone else. At Flute, we build tools that turn checkout, both online and in-store, into one connected experience — the kind that keeps customers coming back long after Prime Day ends. Ready to see what that looks like for your business? [Get started today](https://flute.com/contact-us/). **Categories:** Uncategorized **Audiences:** Growing businesses **Topics:** Business growth, Customer experience, Flexible payments, Online payments, Understanding payments --- ### [How Payment Links Help Businesses Get Paid Faster](https://stg-flute-staging.kinsta.cloud/blog/how-payment-links-help-businesses-get-paid-faster/) **Published:** May 28, 2026 **Author:** Leah Bodenhamer **Content:** The stretch between finishing a job and seeing the money hit your bank can be the most stressful part of the month. The work is done, the customer is happy, and yet payroll, rent, and inventory bills keep coming, whether or not the invoice gets paid. That gap is wider than it should be. According to the [2025 Intuit QuickBooks report](https://quickbooks.intuit.com/r/small-business-data/small-business-late-payments-report-2025/), 56% of U.S. small businesses are currently owed money on outstanding invoices, with an average of $17,500 sitting in unpaid bills per business. Nearly half of businesses reported that some of their invoices were more than 30 days overdue. Friction is one of the biggest culprits of unpaid invoices. Every step between “here’s what you owe” and “you’ve been paid” is another chance for a payment to slip. That means the fastest way to close that gap is to remove unnecessary steps — and that’s exactly what payment links are built to do. ## **Late payments are quietly draining cash flow** Business owners feel the pinch of slow payments long before any number on a balance sheet shows it. According to the Federal Reserve’s 2024 Report on Payments, nearly four in 10 small employer firms (39%) said [slow-paying customers are a challenge](https://www.fedsmallbusiness.org/reports/survey/2024/2024-report-on-payments), and another 20% pointed to time-consuming processes like billing customers. When funds are delayed, owners often turn to higher-interest credit cards, postpone hires they were ready to make, defer equipment purchases, and shelve growth plans. The QuickBooks data shows that businesses hit hardest by overdue invoices are more likely to lean on loans and lines of credit just to cover ordinary operating costs. There’s also a less visible cost: the time your team spends managing the back-and-forth. Reminder calls, mailed re-statements, and “did you ever get the invoice?” emails take hours away from work that actually grows the company. You’ve probably never put a price on those hours, but the cost is there all the same. ## **What is a payment link, exactly?** [A payment link](https://flute.com/products/invoicing/) is a secure URL that a customer can use to pay for a product or service. You generate the link in your payment platform, then share it via email or text. The customer taps the link, lands on a mobile-friendly checkout page, enters their card information, and then the payment is on its way to your account. Payment links offer a faster, more convenient payment experience, so customers can pay instantly from their phone instead of waiting for a paper invoice. There’s no app for the customer to download, no website to log into, and no special hardware on your end. ## **Paper invoices add steps customers don’t want to take** Picture a contractor who wraps up a job on Monday and mails the invoice Tuesday morning. Best case, it lands in the customer’s mailbox on Friday. Then it sits. We all know the type — the customer who lets the mail pile up for a week before getting around to it, or the household where half the envelopes go straight to recycling without a second look. Even the customer who opens the invoice the day it arrives still has work to do. They have to call the office to read off a card number or type a long URL into a browser. Each extra step is another chance to put the payment off until tomorrow, next week, or the next time someone calls to follow up. Now picture the same scenario with a payment link. The job ends, and the contractor sends a text or email before leaving the driveway. The customer taps the link on their phone, pays however they want to (including by ACH, EFT, or card), and the money is on its way. Customers have already moved on from paper. One study found that [only 7% of consumers paid bills by check in 2024](https://www.atlantafed.org/research-and-data/surveys/survey-and-diary-of-consumer-payment-choice), with half of all bill payments now being made electronically from a bank account. If your customers have moved to digital payments, why hasn’t your business? ![Home services contractor inspecting a component in a workshop, representing field service businesses that can use payment links to get paid faster after completing a job](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/craftsman-lifting-frame-workshop-1024x683.jpg)## **Where payment links make the biggest impact** Payment links aren’t tied to one type of business. That means that if your company ever needs to send an invoice, request a deposit, or close a sale on the spot, a link will probably be your best option. Here are a few common use cases: - Health care practices collecting copays, balances, and remote bills before the visit - Service businesses (contractors, cleaners, and consultants) sending payment requests onsite after completing the job - Retail and e-commerce sellers closing sales through social messages and text - Field sales teams and event vendors taking payments on the spot from a phone - Subscription and recurring billing for memberships, retainers, and ongoing services With payment links, customers can pay where they already are, and you don’t have to deal with long waits. You’ll see a shorter list of unpaid invoices and spend fewer hours chasing payments each week, so you can spend more time focusing on what really matters. ## **What to look for in a payment link platform** Not every payment link is built the same, and the wrong setup can create new headaches in place of the old ones. Before choosing a provider, be sure to ask about the following: - PCI-DSS Level 1 compliance and tokenization, so customer [data stays protected](https://flute.com/products/fraud-prevention-security/) - A wide mix of accepted payment methods, including ACH, credit cards, and debit cards - Support for one-time and recurring billing inside the same dashboard - Real human support that picks up the phone when something goes wrong The goal is to find a tool that fits how your business already works, so you can start accepting digital invoice payments right away. ## **Faster payments start with removing friction** Customers want to pay digitally, and slow, manual collections are quietly costing you real money. The businesses getting paid faster are the ones making it easier, not harder, to hand over a card. Payment links meet customers where they already are and shrink the time between “invoice sent” and “money in the bank,” so your team can reclaim the hours that used to go to chasing checks. If your invoicing process still leans on paper, plastic, or phone calls, the upgrade is overdue. [Reach out to Flute](https://flute.com/contact-us/) to see how we can put faster, more flexible payments to work for your business. **Categories:** Uncategorized **Audiences:** Associations, Growing businesses **Topics:** Flexible payments, Understanding payments --- ### [How to Lower Your Credit Card Processing Fees ](https://stg-flute-staging.kinsta.cloud/blog/how-to-lower-your-credit-card-processing-fees/) **Published:** May 28, 2026 **Author:** Leah Bodenhamer **Content:** Every time you buy something with a credit card, a small portion of that sale goes to processing fees. Most consumers don’t see those costs, but for small businesses, merchant processing costs can add up quickly. Credit card fees usually range from 1.5% to 3.5% of the total sale. As a small- or medium-sized business (SMB), if you sell a $100 item, between $1.50 and $3.50 of that transaction will be divided among banks, networks, and processors before the rest reaches your bank account. As your volume grows, so will the cost of taking payments. For instance, if your business does $100,000 per month in credit card transactions, between $1,500 and $3,500, on average, will go toward paying those fees. In 2023, U.S.-based businesses paid [$224 billion in credit card processing fees](https://merchantspaymentscoalition.com/credit-and-debit-card-swipe-fees-totaled-224-billion-2023-nearly-one-third-more-previously-believed). Although there’s no way to get around card fees altogether, there are opportunities to minimize them. So, let’s break down the different types of credit card processing fees and what you can do to lower them. ## **What are credit card processing fees?** Credit card processing fees — or processing rates — are the cost businesses pay to accept credit and debit card payments for their goods and services. Fees are split between a few people in the payments ecosystem, including: - Card-issuing banks - Card networks - Payment processors - Gateways Every time your customer swipes, dips, or taps their card, those organizations take a slice of the sale. Understanding who gets what will help demystify the cost of accepting credit cards and give you leverage when comparing providers. #### **Issuing banks** Card-issuing banks like Citi, Chase, and Wells Fargo collect the largest share of fees, also known as interchange fees. These costs cover everything from assumed credit risk to fraud protection and transaction handling. #### **Card networks** Card networks like Visa, Mastercard, Discover, and American Express charge assessment fees for access to their infrastructure. These costs support the secure global systems that make card transactions possible. #### **Payment processors** Payment processors are the companies that manage transaction logistics, deposit funds into your merchant account, and offer value-added tools like advanced reporting, customer support, or point of sale (POS) integrations. These companies often charge a markup or service fee to cover their services. #### **Payment gateways (if separate)** During online transactions, payment gateways securely transmit a customer’s payment information to the processor. Gateways are often built into the processor’s platform, but if you’re using a separate, third-party gateway, there may be additional fees. ![Small business owner in an apron checking his phone in his repair shop, reviewing merchant processing fees and transactions](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Blog-body-image-How-to-Lower-Your-Credit-Card-Processing-Rates--1024x683.jpg)## **The types of merchant processing fees you might see** Credit card fees often go beyond the standard percentage per transaction. Here’s a breakdown of the most common fees you might encounter as a business owner. ### **What are interchange fees?** Interchange fees are set by the card networks and paid by a merchant’s acquiring bank to the card-issuing bank to compensate issuers for costs like fraud risk, transaction processing, and cardholder rewards. Interchange fee rates can range from 1.15% to 3.25% or more per transaction. These costs vary by card type, transaction method, and industry. - **Card type:** A standard debit or credit card with no rewards program will often have reduced interchange fees compared to a credit card with a generous rewards program - **Transaction method:** In-person card payments typically have lower fees than online transactions, where the buyer is not physically present. This is because e-commerce payments run a higher risk of fraud, since the payer’s identity can’t be verified - **Industry:** High-risk industries like gaming and travel typically have higher fees than those considered low-risk ### **What are assessment fees?** Assessment fees are charged by card networks like Visa and Mastercard for processing transactions through their payment networks. These fees are typically around 0.13% to 0.15% of each transaction. Although they’re more consistent than interchange fees, assessment fees can vary based on factors like transaction type or whether a payment is domestic or international. ### **What are processor markup fees?** Processor markup reflects what payment processors charge for providing the technology and services needed to manage transactions, including payment authorization, transaction routing, and customer support. Processors play an important role in the payments ecosystem by ensuring transactions move securely and reliably from one party to the next. Processor costs vary based on pricing model, but the most common include: - Flat-rate pricing - Tiered pricing - Interchange-plus ### **What are gateway fees?** Gateway fees are the charges payment gateway providers collect to handle online transactions. Gateway pricing often includes one or both of the following: - A monthly fee (typically $10 to $25) - A per-transaction fee (often $0.05 to $0.10) ### **What other fees can I expect from payment providers?** There are a few more costs to be aware of, ranging from monthly minimums to fraud-related chargeback fees. Here’s a quick look at some of the most common ones: - **PCI compliance fees:** These fees usually cost between $75 and $150 per year and cover the costs of maintaining PCI DSS (Payment Card Industry Data Security Standard) compliance, which protects consumer card data - **Monthly minimums:** Some providers require that you process a minimum monthly volume. If you don’t reach that threshold, they may charge an additional $25 to $50 each month to cover their operating costs - **Chargeback or retrieval fees:** These fees apply when customers dispute a transaction and can cost anywhere from $15 to $100 each time a chargeback occurs. Some processors also charge for retrieval requests, even if the dispute is resolved in your favor - **Statement or account fees:** These are monthly administrative fees, usually $5 to $15, that cover account maintenance and printed statements. You can typically avoid these costs by negotiating with your provider ![Bartender preparing a cocktail at a small business bar, where credit card processing fees apply to every transaction](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Blog-body-image-2-How-to-Lower-Your-Credit-Card-Processing-Rates--1024x683.jpg)## **3 common payment pricing models** Payment providers structure their credit card processing fees in several different ways. Here are the three most common models you’ll see. ### **Flat-rate pricing** Flat-rate pricing is a fixed-fee structure in which businesses pay the same rate for each transaction. For instance, a payment company might charge 2.6% + $0.10 every time you take a payment, regardless of what you sold or the final price. It’s the most expensive pricing structure. While it’s convenient for some merchants, flat-rate processing rates can quickly add up and erode profit margins in high-volume businesses. Here are the pros and cons of flat-rate payment pricing: **Pros:** - It’s easy to understand - Costs are predictable - It’s suitable for small or low-volume businesses **Cons:** - It’s often more expensive overall - You may end up paying more for low-cost transactions ### **Tiered pricing** Tiered pricing divides transactions into three categories based on card type and payment processing method. Transactions are categorized as: - **Qualified:** Debit or basic credit cards - **Mid-Qualified:** Cards that are entered manually, or cards with some rewards - **Non-Qualified:** Premium rewards or corporate cards In tiered pricing, interchange rates are the lowest for qualified transactions and the highest for non-qualified transactions. This structure also includes a percentage-based fee based on the card type. Overall, tiered pricing is generally less expensive than flat-rate pricing since you don’t have to pay as much for qualified transactions. Here are the pros and cons of this pricing model: **Pros:** - Tiered pricing is more nuanced than flat-rate pricing - Businesses can access lower interchange rates for qualified transactions **Cons:** - Monthly fees can be hard to predict, since they depend on the types of cards that customers use ### **Interchange-plus pricing** This model charges the actual interchange fee plus a fixed markup from the processor. For instance, you might pay 1.8% + $0.10, depending on the card and how it’s used. With interchange-plus pricing, you always pay the underlying rate plus a consistent, clearly defined markup that goes to the processor. This model lets you to cut costs on qualified transactions while knowing exactly how much will be sent to your processor. **Pros:** - Interchange-plus pricing is transparent, so you see exactly what goes to the bank and to the processor - It scales well with business growth - It’s typically the most cost-effective model **Cons:** - It’s more complex to understand - Your monthly statements may include more line items ![Jeweler using a rotary tool to polish a ring at a small business workshop bench](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/AdobeStock_358995164-1024x576.jpeg)## **How can I lower my credit card processing rates?** Credit card processing rates aren’t just a transactional expense — they directly impact your total cost of ownership over time. That means a seemingly small difference in fees can translate into thousands of dollars annually, especially for businesses with high sales volumes. Thankfully, with the right strategies, you can lower processing fees and keep more of what you earn without changing how you do business. Here are seven practical ways to get started: #### **Choose the right pricing model** Interchange-plus is the best pricing model for most businesses. It separates card network costs from processor markup fees, so you always know exactly where your money is going and save more long-term. #### **Ask about zero-cost processing** No fee payment processing options let you compliantly pass your merchant processing costs along to your customers. When choosing a payment provider, ask if they support cash discounting, dual pricing, or surcharging so you can keep more of what you earn. #### **Negotiate processor markups or flat fees** Payment processors have more wiggle room in their pricing than you might think. Ask about how you can lower your per-transaction fee or monthly service charges — especially if sales are steady. #### **Buy hardware instead of leasing it** Leasing card terminals might sound convenient, but the long-term cost can be up to five times higher than buying hardware outright. Payment equipment usually pays itself off after just a few months. #### **Ask how your business type might affect your rates** High-risk businesses (like CBD, firearms, gaming, and travel) often have to pay higher interchange rates to cover the increased risks of fraud, chargebacks, and legal restrictions. On the other hand, business-to-business (B2B) and business-to-government (B2G) companies may be eligible to apply for Level 2 or Level 3 processing, which offers lower processing fees in exchange for more detailed transaction data. Understanding what type of business you operate can often help you navigate and even reduce credit card fees. #### **Stay PCI-compliant to avoid extra charges** Being PCI-compliant protects your customers’ data and prevents costly non-compliance fees. #### **Review monthly statements carefully** Take the time to fully understand your monthly statements and keep a close eye out for vague charges labeled “regulatory fees,” “service add-ons,” or “batch fees.” These might be unnecessary or inflated. If something looks off or is unclear, ask your provider to explain or justify the charges. Small changes can lead to major savings, especially as your business grows. At Flute, we’re here to help you get the best deal and keep more of what you earn on every transaction. To learn more, [reach out to a member of our team](https://flute.com/contact-us/). **Categories:** Uncategorized **Audiences:** Growing businesses **Post Flags:** Top Post **Topics:** Business growth, Cost savings, Payment processing, Understanding payments --- ### [How to Accept Contactless Payments: A Guide for Growing Businesses ](https://stg-flute-staging.kinsta.cloud/blog/how-to-accept-contactless-payments-a-guide-for-growing-businesses/) **Published:** May 28, 2026 **Author:** Leah Bodenhamer **Content:** You only have a few minutes before your meeting, but it’s your turn to pick up coffee. You drop into a local cafe, place your order, and reach for your wallet — only to realize you left it at home. There’s no time to double back, so you pull out your phone, hold it near the terminal, and in seconds, the payment is done. You grab your drinks and are out the door with time to spare. As a customer, that kind of payment experience feels effortless. As the coffee shop owner who made it possible, you didn’t just make a sale; you earned a regular. Consumer expectations are shifting. People are reaching for their phones instead of their wallets, tapping cards instead of swiping them, and choosing businesses that make checkout feel invisible. Younger shoppers, especially those who’ve grown up with digital payments as the norm, won’t think twice about going elsewhere if a business can’t accommodate how they want to pay. And that’s backed by data: [70% of consumers](https://www.pymnts.com/checkout-conversion/2025/70-percent-of-shoppers-prioritize-payment-method-when-deciding-where-to-shop) say the availability of their preferred payment method is very or extremely influential in deciding where to shop. If you’re a business owner who’s been wondering whether contactless payments are worth the effort, or even what they actually are, this guide is for you. We’ll cover how to accept contactless payments, what consumers expect, the real benefits for your business and your customers, and what they actually cost. ## **What are contactless payments?** Contactless payments are any transactions completed without swiping a card, inserting a chip, or exchanging cash. Instead, they rely on wireless technology, most commonly near-field communication (NFC), to pass payment data between a device and a reader. In practice, that looks like a customer tapping a phone or smartwatch near a payment terminal to pay through Apple Pay, Google Pay, or Samsung Pay. It also includes contactless-enabled credit and debit cards. Most cards issued in the past few years include this feature by default, indicated by the small wave icon on the card’s face. It also includes QR code payments, where a customer scans a code on a screen or printed display to complete a transaction through a mobile app. Contactless payments are more convenient than traditional methods: the customer taps, scans, or hovers their device, and they’re done. It also allows businesses to accept payments from a much wider range of devices and payment methods than traditional card readers. Here’s a quick breakdown of the most common types of contactless payments: - **Digital wallets:** Apple Pay, Google Pay, and Samsung Pay all use near-field communication. The customer taps or holds their device near the reader, and the transaction completes in seconds - **Contactless cards:** Standard credit and debit cards with an embedded NFC chip also support contactless payments. No app required, just a tap - **QR code payments:** A customer scans a code with their phone camera to complete a payment through an app or web browser. This is common in restaurants, markets, and service-based businesses ## **How consumer preferences are shaping payments** The shift toward contactless payments isn’t a trend on the horizon; it’s already the mainstream. [Mastercard reported](https://www.pymnts.com/mastercard/2024/mastercard-contactless-payments-now-70percent-in-person-transactions/) that 70% of all in-person transactions on its network were contactless in the third quarter of 2024, and that number is growing. That means contactless payments have moved from early-adopter territory into everyday use. Younger shoppers are driving much of this shift; for many of them, using a digital wallet for business and personal transactions is already second nature. [Worldpay’s 2026 Global Payments Report](https://www.businesswire.com/news/home/20260331165747/en/Gen-Z-Driving-the-Shift-from-Cards-to-Digital-Wallets-New-Research-from-Global-Payments-Suggests) found that digital wallets are the most-used online payment method for 39% of 18-to-24-year-olds and 41% of 25-to-34-year-olds. The same report projects that by 2030, $4.1 trillion in U.S. spending will flow through digital wallets, a 64% increase from 2025. This matters across all industries, not just retail. Consider a home services contractor who just finished a week-long renovation project. Their customer wants to settle up on the spot, but they don’t have any digital payment options available, so they mail an invoice instead. That invoice takes a week to arrive, only for the customer to then misplace it. Instead of receiving their money on the spot, cash flow stalls, and the contractor has to spend weeks chasing down their payment. It’s not only a bad experience for the customer, but it’s bad for the business, too. Contactless options solve this problem, allowing the contractor to process the transaction immediately rather than waiting weeks (or months) for their customer to pay a paper invoice. The data makes it clear what’s at stake. A [2024 Applause Digital Payments Survey](https://www.businesswire.com/news/home/20240807906137/en/Limited-Payment-Options-Poor-Translations-and-Bugs-Force-Consumers-To-Abandon-Digital-Transactions-Per-Applause-2024-Digital-Payments-Survey) found that 76% of consumers are likely to abandon a transaction if they can’t pay the way they want. And [research from PPRO](https://www.ppro.com/news/retailers-risk-losing-customers/) found that 42% of U.S. consumers said they’d walk away from a purchase if their preferred payment method wasn’t accepted. These aren’t customers who reconsidered and came back. In most cases, they went somewhere else. ![Man at resale store about to use contactless payments to purchase his clothes](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Consignment-resale-landscape-image-1024x683.jpg)## **The 6 benefits of contactless payments** ### **For your business** For growing businesses, there are three places you’ll see the greatest benefits: checkout completion rates, the ability to serve shoppers without adding more time, and more customers. **Fewer abandoned sales:** Payment friction is notorious for quietly draining your revenue. When customers can’t pay the way they want, they often don’t say anything; they just don’t complete the transaction. Removing that barrier is one of the best ways to improve your conversion rate without changing anything else about your business. **Faster service:** A tap takes seconds. Compare that to inserting a chip and waiting for approval, counting out change, or flipping through a wallet for the right card. For businesses with consistent foot traffic, like cafés or retail stores, that speed adds up fast. Straightforward transactions mean more throughput, shorter lines, and a better experience for everyone. **A broader customer base:** Gen Z and Millennial shoppers have strong preferences when it comes to paying for goods and services. Offering the payment options they already use will help you reach more people and build lasting loyalty. ### **For your customers** On the other side of the counter, the benefits to your customers are just as tangible. They’re the kind that build goodwill and bring people back. **Speed and convenience:** This is what customers feel most immediately. [Worldpay’s 2026 Global Payments Report](https://www.worldpay.com/en/global-payments-report) notes that consumers are drawn to digital wallets because they’re fast, safe, and easy to use. A smooth, fast transaction is a small thing that leaves a lasting impression. **Better security:** Contactless payments are more secure than magnetic stripe swipes, which surprises a lot of people. NFC transactions use tokenization, so instead of transmitting a customer’s real card number, the terminal receives a one-time token that applies only to that specific transaction. There’s no static data to intercept and no card number to copy, so your customers are protected at every step. **Payment flexibility:** Not every customer carries the same thing. One shopper might have their phone, another might have a contactless card, and another might only have a smartwatch. When your business accepts a range of contactless options, customers can pay with whatever they have on hand. That kind of flexibility is easy to offer and hard for customers to forget. ## **Are contactless payments secure?** Security is often the first question business owners raise, both about protecting their operations and their customers. It’s a fair question, but fortunately, contactless payments are among the most secure payment types available. NFC payments use end-to-end encryption and tokenization to secure each transaction. That means when a customer taps their phone or card, the terminal receives a unique encrypted token in place of their actual card information. Because tokens don’t represent specific card numbers, even if that data were somehow intercepted, it would be useless to fraudsters. Let’s compare that to magnetic stripe cards. The data embedded in a magnetic stripe is static, so it’s the same on every single swipe. That makes it possible for fraudsters to copy data using special equipment, which is why mag stripe card fraud has historically been so common. NFC-based payments don’t carry that vulnerability. The biggest fraud risk for most businesses today isn’t contactless transactions; it’s outdated hardware that doesn’t support modern encryption standards. Upgrading to contactless-enabled devices will not only make it easier to meet customer expectations but also help keep your business safe. ![Woman about to take an order at a restaurant.](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/independent-dining-landscape-image-4-1024x683.jpg)## **How much does it cost to offer contactless payments?** Contactless payments, including NFC-enabled cards and digital wallets like Apple Pay and Google Pay, have the same interchange rates as standard chip card transactions, so your rates depend on your payment processor and the type of card being used, not on how the customer pays. The main upfront consideration is hardware. If your current device doesn’t support NFC, you may need to upgrade. That said, most modern point of sale systems include NFC capabilities as a standard feature, so most businesses just need to enable the functionality rather than buy new equipment. For businesses looking to reduce costs even more, zero-cost processing programs allow you to accept all payment types without dealing with processing fees. When set up correctly, these programs compliantly shift the cost to customers who choose to pay by card, keeping your margins intact regardless of how they pay. With the right provider, that can mean offering more flexibility while spending less on processing. ## **Contactless payments aren’t the future. They’re the expectation** The way people pay is constantly changing. Consumers (especially younger ones) are making decisions about where to spend their money based in part on whether a business offers the payment experience they’re used to. That’s a real consideration, and one that growing businesses can’t afford to ignore. When you make it easy to pay, you make it easier for customers to choose your business over someone else’s. Flute makes contactless payments simple. With transparent pricing, NFC-ready hardware, and built-in zero-cost processing options, our platform is designed for growing businesses that want powerful payment tools without a high price tag or complicated setup. Getting started is easier than you think. [Talk to our team](https://flute.com/contact-us/), and we’ll find the right setup for your business. **Categories:** Uncategorized **Audiences:** Growing businesses **Topics:** Business growth, Flexible payments, Understanding payments --- ## Pages ### [Home Page](https://stg-flute-staging.kinsta.cloud/) **Published:** March 25, 2026 **Author:** Nerraj Thakur **Content:** Your money on your terms# The payments platform that grows with you. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) - ![ICCFA](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/iccfa-logo_webp.webp) - ![NLA](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/nla-logo_webp.webp) - ![Sportsinc](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Logo_webp.webp) - ![JA-logo](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/ja-logo_webp.webp) - ![American-gym-society](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/american-gym-society_webp.webp) - ![OGR](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/org-logo_webp.webp) - ![CFDA-logo](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/CFDA.webp) - ![GCLA-logo](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/GCLA_webp.webp) - ![IFDF-logo](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/IFDF_webp.webp) - ![ILLBA-logo](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/ILLBA_webp.webp) - ![MFDEA-logo](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/MFDEA_webp.webp) - ![NBDA logo: gray letters with a blue gear-shaped accent and light blue 'national bicycle dealers association' text beneath](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/NBDA_webp.webp) - ![WFDA-logo](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/WFDA_webp.webp) - ![NELA-logo](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/nela-logo_webp.webp) - ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/iccfa-logo_webp.webp) - ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/nla-logo_webp.webp) - ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Logo_webp.webp) - ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/ja-logo_webp.webp) - ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/american-gym-society_webp.webp) - ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/org-logo_webp.webp) - ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/CFDA.webp) - ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/GCLA_webp.webp) - ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/IFDF_webp.webp) - ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/ILLBA_webp.webp) - ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/MFDEA_webp.webp) - ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/NBDA_webp.webp) - ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/WFDA_webp.webp) - ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/nela-logo_webp.webp) ![payment svg](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/ic-payment-svg.svg) **Payment tools for every part of your business.** Flute gives power back to growing businesses and all those who support them. One platform that lets you choose the features you want — without the complexity or costs you get with other platforms. Accept ## Take payments wherever and however you do business ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/new.webp) In person Accept payments in-person, whether that’s at the counter, at the table, in the field, or anywhere else. Bring your own device — including your phone — or choose from our wide range of point-of-sale devices. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/in-person-payments/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/Tap-to-pay-light.gif) Tap to pay Give customers the convenience they expect with fast, secure contactless payments across phone, watch, or card. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/payment-processing/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/03/mobile_result.webp) Mobile Take payments from your phone or a mobile POS, giving your customers the option to pay by card, tap, QR code, and more. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/mobile-payments/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/03/online_result.webp) Online Doing business online or over the phone? Create PCI-compliant payment pages, set up recurring billing, use a virtual terminal to process orders manually, and more. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/online-payments/) Manage ## Gain control of your finances ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/03/dashboradandreporting_result.webp) Dashboard and reporting Our customer management tools help SaaS platforms onboard, manage, and support their merchant customers in one place. Automate lifecycle workflows, centralize support, and gain real-time visibility across your entire merchant base. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/03/invoicing_result.webp) Invoicing Send customizable, on-brand invoices that support multiple payment options, including credit, debit, ACH, and digital wallets. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/invoicing/) Grow ## Scale at your speed ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/Recurring-billing.gif) Recurring billing Remove friction from subscriptions and repeat orders with recurring billing that allows you to store tokenized customer payment data in our secure customer vault. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/recurring-billing/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/03/workingCapital_result.webp) Working capital Don’t let cash flow slow you down. Get fast access to working capital so you can cover expenses, invest in growth, or whatever you need for your business. No hidden fees, fine print, or complicated rates — just funding when you need it. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/working-capital/) Protect ## Keep your business safe ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/Fraud-Protection.gif) Fraud protection Reduce risk with tools that help keep payment data safe and encrypted. Built-in fraud protection safeguards you against chargeback abuse, card testing, and other common attacks. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/fraud-prevention-security/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/03/networkTokenization_result.webp) Network tokenization Network-issued tokens change after each use, preventing payment declines and protecting sensitive customer data. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/network-tokenization/) **Pricing**. Good technology should be affordable. [ See pricing ](https://stg-flute-staging.kinsta.cloud/pricing/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/03/tile1_result.webp) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/03/tile2_result.webp) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/03/tile3_result.webp) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/03/tile4_result.webp) ## For the growing businesses that power everyday America Personal care & wellness Family & home essentials Food & drink Retail & specialty goods Professional services Automotive & transportation Keep service running smoothly behind the counter and tableside - [ Beauty salons ](https://stg-flute-staging.kinsta.cloud/industry/beauty-salons/) - [ Nail salons ](https://stg-flute-staging.kinsta.cloud/industry/nail-salons/) - [ Spas ](https://stg-flute-staging.kinsta.cloud/industry/spas/) - [ Fitness & training ](https://stg-flute-staging.kinsta.cloud/industry/fitness-training/) ![Personal Care](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/03/personal_care_wellness_webp.webp) Keep service running smoothly behind the counter and tableside. - [ Childcare ](https://stg-flute-staging.kinsta.cloud/industry/childcare/) - [ Pet care ](https://stg-flute-staging.kinsta.cloud/industry/pet-care/) - [ Death care ](https://stg-flute-staging.kinsta.cloud/industry/death-care/) - [ Home & field services ](https://stg-flute-staging.kinsta.cloud/industry/home-field-services/) ![Home essentials](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/03/home_essentials_webp.webp) Keep service running smoothly behind the counter and tableside. - [ Coffee & cafes ](https://stg-flute-staging.kinsta.cloud/industry/coffee-shops-cafes/) - [ Independent dining ](https://stg-flute-staging.kinsta.cloud/industry/independent-dining/) - [ Market stalls ](https://stg-flute-staging.kinsta.cloud/industry/market-stalls/) - [ Mobile eats ](https://stg-flute-staging.kinsta.cloud/industry/mobile-eats/) ![Food_drink](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/03/food_drink_webp.webp) Keep service running smoothly behind the counter and tableside. - [ Jewelry ](https://stg-flute-staging.kinsta.cloud/industry/jewelry/) - [ Independent retail ](https://stg-flute-staging.kinsta.cloud/industry/independent-retail/) - [ Sports & outdoors ](https://stg-flute-staging.kinsta.cloud/industry/sports-outdoors/) - [ Consignment & resale ](https://stg-flute-staging.kinsta.cloud/industry/consignment-resale/) ![Retails_good](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/03/retail_specialty-_goods_webp.webp) Keep service running smoothly behind the counter and tableside. - [ Legal & financial ](https://stg-flute-staging.kinsta.cloud/industry/legal-financial/) - [ Health care ](https://stg-flute-staging.kinsta.cloud/industry/health-care/) - [ Veterinary ](https://stg-flute-staging.kinsta.cloud/industry/veterinary/) - [ Nonprofits ](https://stg-flute-staging.kinsta.cloud/industry/nonprofit/) ![Professional Service](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/03/professional_service_webp.webp) Keep service running smoothly behind the counter and tableside. - [ Automotive ](https://stg-flute-staging.kinsta.cloud/industry/automotive/) - [ Luxury transportation ](https://stg-flute-staging.kinsta.cloud/industry/luxury-transportation/) - [ Logistics & moving ](https://stg-flute-staging.kinsta.cloud/industry/logistics-moving/) - [ Marine & powersports ](https://stg-flute-staging.kinsta.cloud/industry/marine-powersports/) ![Automotive](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/03/automotive_transportation_webp.webp) Hardware ## Need hardware? Have hardware? No problem. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) Portable ![Portable](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/03/portable.webp) Mounted ![Mounted](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/03/mounted.webp) Use the app ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/03/usetheapp.webp) With a range of payment terminals to choose from, allow your customers to pay in person however they want, whether they’re swiping, tapping to pay, or scanning a QR code — at the counter or on the go. Or bring your own devices to integrate seamlessly with the Flute platform. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) ![Grpahic webp](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/Graphic_v1_webp.webp) ## Developers **Built with developers in mind.** Make Flute your own, with all the APIs, SDKs, and gateways you need to integrate payments into your software. [Learn more](http://Developer.flute.com) Partners ## Bring the best of Flute to your portfolio ![laptop](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/ic-laptop.svg) ### SaaS companies Embed payments and financial tools directly into your platform with a flexible, API-driven stack that helps you launch fast, control the experience end to end, and create new revenue streams — without unnecessary complexity. [ Learn more ](https://stg-flute-staging.kinsta.cloud/partnerships/saas-software-isv/) ![users](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/ic-users.svg) ### ISOs Grow and manage your portfolio with tools that simplify merchant onboarding and give you deep insights into your client’s needs. [ Learn more ](https://stg-flute-staging.kinsta.cloud/partnerships/agent-iso/) ![landmark](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/ic-landmark.svg) ### Associations Flute’s simple and reliable financial infrastructure helps you deliver more value for your members, saving them costs and helping generate more revenue for your organization. [ Learn more ](https://stg-flute-staging.kinsta.cloud/partnerships/associations/) ## Get paid. Get moving. Get Flute. Stop payments from being a pain point and turn them into the smoothest part of your business. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) --- ### [Contact Us Saas Isv](https://stg-flute-staging.kinsta.cloud/contact-us-saas-isv/) **Published:** May 27, 2026 **Author:** Nerraj Thakur **Content:** Payments-led growth for software companies. Let’s build. DCIT / BusinessMind “BusinessMind for Jewelers is a cloud-based point-of-sale system purpose-built for jewelry retailers. It streamlines operations with integrated inventory management, CRM, and POS, all designed for multi-store environments. Adding Flute gives our customers a fully integrated solution that keeps everything in one place.” Raffi Minassian President Flute “Software providers need payment experiences that feel seamless and modern for both their teams and their customers. Integrating Flute helps developers simplify operations, streamline payments, and deliver greater financial visibility within their platforms.” [ John Badovinac ](https://www.linkedin.com/in/john-badovinac-90382176/) SVP of Embedded Commerce LimoGrid “By integrating Flute’s payment technology, our platform gives operators a powerful set of tools in one place. From managing a few airport transfers to running a large charter service, transportation businesses can stay organized, get paid faster, and serve clients better.” [ Conrad Karl ](https://www.linkedin.com/in/conrad-karl-240a26157/) Director of Business Development ### We’ll contact *you*! Loading form... Sales ## [ sales@flute.com ](mailto:sales@flute.com) Customer support ## [ support@flute.com ](mailto:support@flute.com) --- ### [Contact Us](https://stg-flute-staging.kinsta.cloud/contact-us/) **Published:** May 14, 2026 **Author:** Nerraj Thakur **Content:** The payments platform that grows with you. Reach out to get started. The Autopsy Doctor "Our clients appreciate having options, and they really like seeing how much they save. We saved over $20,000 last year, which meant we didn't have to raise our rates. It's a win-win, and we save time, too, because there's just less back-and-forth." Marcie Schultz Administrator National Bicycle Dealers Association “We’re thrilled to partner with Flute to support our members with reliable, affordable payment solutions. Their consistent attendance at our trade show events and genuine care for the needs of our retailers reflect the kind of partnership that truly strengthens our industry.” [ Heather Mason ](https://www.linkedin.com/in/heather-mason-9620b588/) Executive Director Vitreous Alliance “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 Cendaña ](https://www.linkedin.com/in/rainier-cenda%C3%B1a-8850bb175/) President & CEO Loading form... Sales ## [ sales@flute.com ](mailto:sales@flute.com) 833-336-5993 Customer support ## [ support@flute.com ](mailto:support@flute.com) 833-287-6722 --- ### [Contact Us Agent Iso](https://stg-flute-staging.kinsta.cloud/contact-us-agent-iso/) **Published:** May 27, 2026 **Author:** Nerraj Thakur **Content:** A processor built for the people selling it. Let’s talk. Tru Payments “Working with Flute has been a game‑changer. From day one, it didn’t feel like a vendor–client relationship — it was a true partnership. Flute listens, adapts, and builds solutions tailored to our needs, pulling everything together as an all‑in‑one platform. Their approach delivers seamless, efficient payment operations — and we love it.” [ Don Bregin ](https://www.linkedin.com/in/donbregin/) Managing Partner, ETA Certified Payments Professional Rectangle Health “Partnering with Flute has been a wonderful experience. Everyone at Flute has been fabulous to work with — we appreciate the responsiveness and continued support we receive from the entire Flute team.” [ Allyson Thut ](https://www.linkedin.com/in/allyson-thut-aba52812/) Director of Partner Development Vitreous Alliance “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 Cendaña ](https://www.linkedin.com/in/rainier-cenda%C3%B1a-8850bb175/) President & CEO ### We’ll contact *you*! Loading form... Sales ## [ sales@flute.com ](mailto:sales@flute.com) Customer support ## [ support@flute.com ](mailto:support@flute.com) --- ### [Contact Us – Associations](https://stg-flute-staging.kinsta.cloud/contact-us-associations/) **Published:** May 27, 2026 **Author:** Nerraj Thakur **Content:** Recurring revenue for your association. Real savings for your members. Jewelers of America “Jewelers of America, the largest jewelry trade association in the United States, is proud to have a partnership with Flute. They provide a clear value for our membership, and this has helped us with member acquisition and retention. Our members have benefited from Flute’s excellent credit card processing rates, saving members money through their discounted services.” [ Regina Ciarleglio ](https://www.linkedin.com/in/reginaciarleglio/) Director of Membership National Bicycle Dealers Association “We’re thrilled to partner with Flute to support our members with reliable, affordable payment solutions. Their consistent attendance at our trade show events and genuine care for the needs of our retailers reflect the kind of partnership that truly strengthens our industry.” [ Heather Mason ](https://www.linkedin.com/in/heather-mason-9620b588/) Executive Director California Funeral Directors Association “Flute has been a strong, consistent supporter of our association, profession, and the members we serve. They participate on our committees, exhibit at our convention, sponsor our events, and are a trusted resource on all matters related to credit card processing, and we have been proud to partner with them.” [ Matthew Peralta ](https://www.linkedin.com/in/matthewhperalta/) Executive Director ### We’ll contact *you*! Loading form... Sales ## [ sales@flute.com ](mailto:sales@flute.com) Customer support ## [ support@flute.com ](mailto:support@flute.com) --- ### [Payment Processing](https://stg-flute-staging.kinsta.cloud/products/payment-processing/) **Published:** May 28, 2026 **Author:** Nerraj Thakur **Content:** 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. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) ![Person typing on a laptop with a credit card and smartphone nearby on a wooden desk, suggesting online shopping or payment](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/r_Stylistic_Mobile-payments-2-2-scaled.webp) 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. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards.svg) ### Accept all types of payments Take payments every way your customers choose to pay, whether that’s in-person, on the go. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/invoice_spliting.svg) ### Control your costs Minimize and offset processing costs with flexible pricing models. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-next-day-payout.svg) ### Scale payments your way Pick and choose which parts of Flute’s payment stack you want for your business. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/shield-check.svg) ### 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](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/rainier-cendana-8w_webp-150x150.webp) [ Rainier Cendaña ](https://www.linkedin.com/in/rainier-cenda%C3%B1a-8850bb175/) 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 ](https://stg-flute-staging.kinsta.cloud/products/in-person-payments/) Accept payments in person — at the counter, in-store, and at events — with seamless face-to-face transactions. ## [ Mobile ](https://stg-flute-staging.kinsta.cloud/products/mobile-payments/) Use a mobile point-of-sale device or use your phone or tablet to accept payments anywhere you go. ## [ Online ](https://stg-flute-staging.kinsta.cloud/products/online-payments/) 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. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/white-graphic.svg) ### 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. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/fraud-prevention-security/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-content.svg) 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. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) ## FAQ Can I use your payments platform with my existing POS or invoicing system? 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. Would my business benefit from a comprehensive payments platform? 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. Is your payments platform secure and PCI compliant? 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. Can your platform pass card-processing fees to customers? 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. What security measures protect my transactions and data? 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](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/AdobeStock_325997922-768x512.jpeg) ### What We’ve Been Building Toward: Meet Flute [ Read More ](https://stg-flute-staging.kinsta.cloud/blog/what-weve-been-building-toward-meet-flute/) ![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](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/AdobeStock_499971827-768x512.jpeg) ### Working Capital Loans: What They Are and How They Work [ Read More ](https://stg-flute-staging.kinsta.cloud/blog/working-capital-loans-what-they-are-and-how-they-work/) ![Café owner serving customers at the counter, a growing business that benefits from instant payouts to access card payment funds the same day](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/AdobeStock_1394757992-1-768x512.jpeg) ### Get Paid Faster: A Guide to Instant Payouts [ Read More ](https://stg-flute-staging.kinsta.cloud/blog/get-paid-faster-a-guide-to-instant-payouts/) --- ### [Hardware](https://stg-flute-staging.kinsta.cloud/products/hardware/) **Published:** May 21, 2026 **Author:** Nerraj Thakur **Content:** [ ![portable device](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/portable_device.svg) Portable ](#portable) [ ![Mounted](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/mounted_device.svg) Mounted ](#mouted) [ ![Use App](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/use_app.svg) Use the app ](#use-the-app) Hardware. Every device for every way you sell. Portable ## Take payments wherever your business takes you. Portable devices give your staff the freedom to check out customers on the floor, at the table, or in the field — no fixed counter needed. Take payments wherever your business takes you. ![Sunmi-p3h](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Sunmi-P3H-img_webp.webp) ### Sunmi P3H Our most popular – integrates with the software you already use. ![Victa portable](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Victa-Portable-img_webp.webp) ### Victa Portable Full payment capabilities and a built-in printer — ideal for table-side service and busy lines. ![Victa-Mobile](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Victa-Mobile_webp.webp) ### Victa Mobile Lightweight mobile terminal with wireless connectivity and long-lasting battery for service on the move. ![Clover-flex](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Clover-Flex-img_webp.webp) ### Clover Flex An all-in-one device that works just as well on the counter as it does in your hand. ![Clover-Flex-Pocket](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Clover-Flex-Pocket_webp.webp) ### Clover Flex Pocket Ultra-portable card reader that fits in your pocket and accepts tap, swipe, and chip payments. ![Clover](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Clover-2_webp.webp) ### Clover Go Smartphone-connected reader that turns any phone into a payment terminal with minimal setup. ![Dejavoo QD4](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Dejavoo-QD4_webp.webp) ### Dejavoo QD4 Android touchscreen terminal with built-in printer for a polished experience at an affordable price. ![Dejavoo P1](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Dejavoo-P1_webp.webp) ### Dejavoo P1 Affordable, EMV-ready terminal with a built-in printer and reliable connectivity out of the box. ![Pax A35](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/PAX-A35_webp.webp) ### PAX A35 Android-powered touchscreen with printer and front-facing camera for coupon and QR code acceptance. ![First Data 150](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/First-Data-150_webp.webp) ### FD150 Affordable hardware that combines reliability and ease of use with dynamic currency conversion. Mounted ## A reliable home base for your payments. Countertop devices are designed for high-volume and quick service, so you can keep lines moving during your busiest hours. The home base for your payments. ![Sunmi-D3-Pro](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Sunmi-D3-Pro-img_webp.webp) ### Sunmi D3 Pro Android POS designed to keep salon checkout fast and lines moving. ![Clover-solo](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Clover-solo-img_webp.webp) ### Clover Solo Sleek countertop POS with built-in payment processing and access to the Clover app marketplace. ![Clover-duo-2](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Clover-duo-2-img.svg) ### Clover Duo 2 Premium dual-screen station with customer-facing display, built-in loyalty tools, and full inventory management. ![Clover-mini](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Clover-mini-img_webp.webp) ### Clover Mini Compact all-in-one POS with full access to the Clover app ecosystem and cloud sync. Use the app ## Skip the extra equipment and setup with a payment device that’s already in your pocket. With the Flute app, all you need is your iPhone, and you're ready to sell. All you need is your phone, and you’re ready to sell. ![Two columns of three rounded white bars on a black background, indicating a grid/list view toggle icon.](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Group-48097113_webp.webp) Coming soon Tap to pay for iPhone Accessories ## Pair your Flute hardware with receipt printers, PIN pads, scales, and barcode scanners, so you’re prepared for everything from quick transactions to full checkouts. Payment accessories for every occasion ![First-data-RP10](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/First-data-RP10-img_webp.webp) ### First Data RP10 Customer-facing PIN pad that pairs well with the FD150 for secure PIN entry at checkout. ![Clover-kds-24](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Clover-KDS-24-img_webp.webp) ### Clover KDS 24" A 24-inch kitchen display that streamlines order flow and cuts paper ticket waste. ![Clover-scale](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Clover-scale-img_webp.webp) ### Clover Scale Integrated scale that connects to your Clover POS for accurate weight-based pricing. ![Clover-cash-drawer](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Clover-cash-drawer-img_webp.webp) ### Clover Cash Drawer Secure cash storage that opens automatically when your Clover register completes a sale. ![Sim-cards](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/SIM-cards-img_webp.webp) ### SIM cards Wireless data connectivity for portable terminals, so payments don’t have to rely on Wi-Fi. ![Clover-zebra](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Clover-zebra-scanner-handheld-img_webp.webp) ### Clover Zebra Plug-and-play Zebra scanner that reads 2D, QR, and phone screens at retail speed. ## Straightforward pricing, no surprises. We offer flexible hardware at transparent prices. Getting set up shouldn’t cost more than it has to. With Flute, it doesn’t. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) --- ### [News](https://stg-flute-staging.kinsta.cloud/news/) **Published:** May 4, 2026 **Author:** Nerraj Thakur --- ### [About Us](https://stg-flute-staging.kinsta.cloud/about-us/) **Published:** April 22, 2026 **Author:** Nerraj Thakur **Content:** About Flute# Payments built for the people behind business. Since 2005, we’ve helped merchants, ISVs, and partners process payments securely — and grow with confidence. Our Story & Brand Since 2005, Flute has helped merchants, ISVs, and partners process payments securely and grow with confidence. Built on the belief that every business deserves enterprise-grade infrastructure, we empower companies with reliable, scalable solutions. Today, the Flute Platform supports thousands of businesses across diverse industries. We’re not just a payment processor – we’re a growth partner. Timeline ## An endless evolution ← 2022 2023 2024 2025 → Building a More Connected Commerce Experience for Retail Businesses ![resources image](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/resources-img_webp.webp) Building a More Connected Commerce Experience for Retail Businesses ![resources image](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/resources-img_webp.webp) Building a More Connected Commerce Experience for Retail Businesses ![resources image](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/resources-img_webp.webp) Building a More Connected Commerce Experience for Retail Businesses ![resources image](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/resources-img_webp.webp) Building a More Connected Commerce Experience for Retail Businesses ![resources image](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/resources-img_webp.webp) “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](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/rainier-cendana-8w_webp-150x150.webp) [ Rainier Cendaña ](https://www.linkedin.com/in/rainier-cenda%C3%B1a-8850bb175/) President & CEO, Vitreous Alliance Careers We're growing fast and looking for people who love solving real problems for real businesses. At Flute, you'll work with a team that's obsessed with merchant success – and has fun doing it. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards-v1.svg)## Remote-Friendly Work from wherever you do your best thinking. Flexible schedules and distributed teams. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/table-columns-split.svg)## Growth-Oriented Clear career paths, mentorship programs, and education stipends to keep you moving forward. ![arrow-up](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/banknote-arrow-up.svg)## Full Benefits Comprehensive health, dental, vision, and 401k — because your wellbeing matters. ![chevrnos](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/chevrons-down.svg)## Real Impact Your work directly shapes the experience of thousands of business owners across the country. [View Open Roles](https://workforcenow.cloud.adp.com/mascsr/default/mdf/recruitment/recruitment.html?cid=748fa5c7-2f75-46ab-8ca9-4c8b7ea817f9&ccId=19000101_000001&lang=en_US) Leadership ## The team behind Flute. ![Avin-Arumugam](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Avin-Arumugam-img.webp)### Avin Arumugam Chief Product & Technology Officer [ ![linkedin-profile](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/ic-linkedin-sz-28.svg) ](https://www.linkedin.com/in/avinaru/) ![Derek-Dean](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Derek-Dean.webp)### Derek Dean Chief Executive Officer [ ![linkedin-profile](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/ic-linkedin-sz-28.svg) ](https://www.linkedin.com/in/dfdean/) ![Dom-Litten](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Dom-Litten.webp)### Dom Litten Chief Commercial Officer [ ![linkedin-profile](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/ic-linkedin-sz-28.svg) ](https://www.linkedin.com/in/dominiclitten/) ![Derek- Maxwell](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Derek-Maxwell.webp)### Derek Maxwell Chief Information Officer [ ![linkedin-profile](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/ic-linkedin-sz-28.svg) ](https://www.linkedin.com/) ![Mara-kamat](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Mara-Kamat.webp)### Mara Kamat Chief People Officer [ ![linkedin-profile](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/ic-linkedin-sz-28.svg) ](https://www.linkedin.com/in/mara-kamat/) ![Ryan-Cross](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Ryan-Cross.webp)### Ryan Cross Chief Financial Officer [ ![linkedin-profile](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/ic-linkedin-sz-28.svg) ](https://www.linkedin.com/in/ryan-cross-3a56b01/) 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](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/AdobeStock_325997922-768x512.jpeg) ### What We’ve Been Building Toward: Meet Flute [ Read More ](https://stg-flute-staging.kinsta.cloud/blog/what-weve-been-building-toward-meet-flute/) ![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](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/AdobeStock_499971827-768x512.jpeg) ### Working Capital Loans: What They Are and How They Work [ Read More ](https://stg-flute-staging.kinsta.cloud/blog/working-capital-loans-what-they-are-and-how-they-work/) ![Café owner serving customers at the counter, a growing business that benefits from instant payouts to access card payment funds the same day](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/AdobeStock_1394757992-1-768x512.jpeg) ### Get Paid Faster: A Guide to Instant Payouts [ Read More ](https://stg-flute-staging.kinsta.cloud/blog/get-paid-faster-a-guide-to-instant-payouts/) --- ### [Marine & powersports](https://stg-flute-staging.kinsta.cloud/industry/marine-powersports/) **Published:** May 15, 2026 **Author:** Nerraj Thakur **Content:** ![marine-powersports-home-banner](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/marine-powersports-home-banner.webp) Marine and powersports # Powersports and marine payment processing [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) Why marine and powersports businesses choose Flute. Accept payments dockside, at events, or in the shop with the same professional tools that larger operations use. Flute’s affordable powersports POS software works anywhere you do business, at a price that makes sense. - ## Flexible payment options - ## Mobile, off-site payments - ## Secure, high-ticket transactions - ## All-in-one reporting dashboard “Flute listens, adapts, and builds solutions tailored to our needs, pulling everything together as an all‑in‑one platform. Their personalized attention and flexibility mean we never have to chase different rails or vendors. This approach delivers seamless, efficient payment operations — and we love it.” ![donbregin](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/donbregin_webp-150x150.webp) [ Don Bregin ](https://www.linkedin.com/in/donbregin/) Managing Partner, ETA Certified Payments Professional Tru Payments Professional payments, from the shop to the dock. Boat dealers, marinas, and powersports retailers use Flute to collect deposits on big-ticket sales, run mobile payments at the dock or on the show floor, and track every transaction from one dashboard. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards-v1.svg)## [Flexible payment options](https://stg-flute-staging.kinsta.cloud/products/payment-processing/) Accept credit and debit cards, contactless payments, and mobile wallets in person, online, or over the phone. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/table-columns-split.svg)## [Mobile, off-site payments](https://stg-flute-staging.kinsta.cloud/products/mobile-payments/) Collect payments on the spot, anywhere you do business. Take Flute’s mobile readers to boat shows, dockside service calls, or off-site deliveries. ![arrow-up](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/banknote-arrow-up.svg)## [Secure, high-ticket transactions](https://stg-flute-staging.kinsta.cloud/products/fraud-prevention-security/) Flute’s PCI-compliant platform securely handles high-ticket transactions, keeping you and your customers safe. ![chevrnos](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/chevrons-down.svg)## [All-in-one reporting dashboard](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) Track sales, service invoices, and deposits across your entire operation from a single convenient dashboard. Pricing ## Transparent pricing for marine and powersports businesses Flute gives you all the flexibility and functionality you need with competitive rates and transparent pricing that works for your budget. Spend less on processing and more on growing your business. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) Hardware ## Hardware that works anywhere [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) Portable ![hardware-portable](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-portable_webp.webp) Mounted ![hardware-mounted](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-mounted_webp.webp) Use the app ![hardware-app](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-app_webp.webp) Flute’s hardware is durable, easy to set up, and works practically anywhere. Use our compact mobile readers on the dock or check out customers from our countertop devices at the service desk. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) ## FAQs Can I set up recurring billing for slip rentals and storage fees? Yes. Flute lets you [automate recurring billing](https://stg-flute-staging.kinsta.cloud/products/recurring-billing/) for slip rentals, seasonal storage, and membership fees so you’re not manually chasing payments every month. Customers are billed on your schedule, and you get a consistent, predictable revenue stream without the administrative work. Can I accept payments at the dock with mobile POS solutions? Yes. Flute’s [mobile card](https://stg-flute-staging.kinsta.cloud/products/mobile-payments/) readers let you accept payments anywhere: dockside, at events, or on a service call. All you need is one of our mobile readers, and you can process credit cards, contactless payments, and mobile wallets on the spot. Do you offer merchant services for boat and marina businesses? Yes. Flute offers full marine merchant services, including payment processing, mobile POS hardware, digital invoicing, deposit collection, dedicated support, and reporting tools. What hardware do I need to get started? Most marine and powersports businesses start with a countertop terminal at the register and a mobile reader for off-site or dockside transactions. Flute will help you figure out the right setup for your volume and workflow, and getting started takes minutes, not days. Can I accept deposits or down payments with Flute? Yes. Collect a deposit at the time of sale using a payment link or card on file. It’s a straightforward way to secure high-ticket orders and protect your business on large transactions like boat or ATV purchases. ## Better payments start with Flute Flexible payments, mobile tools, and transparent pricing, all in one platform. Get started with Flute and give your customers a better way to pay. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Logistics & Moving](https://stg-flute-staging.kinsta.cloud/industry/logistics-moving/) **Published:** May 15, 2026 **Author:** Nerraj Thakur **Content:** ![logistics-home-banner](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/logistics_home_banner_webp-1500x1000.webp) Logistics and moving # Moving company payment processing that works [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) Why logistics and moving businesses choose Flute. Collect deposits upfront, send invoices in the field, process large transactions, and accept payments on-site or online. Flute’s payment solutions are built for the needs (and budgets) of companies like yours. - ## Invoices and payment links - ## Deposits and large transactions - ## ACH and B2B billing - ## Mobile and on-site payments “From day one, it didn’t feel like a vendor–client relationship — it was a true partnership. Flute listens, adapts, and builds solutions tailored to our needs, pulling everything together as an all‑in‑one platform.” ![donbregin](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/donbregin_webp-150x150.webp) [ Don Bregin ](https://www.linkedin.com/in/donbregin/) Managing Partner, ETA Certified Payments Professional Tru Payments Payment tools that keep up. Collect deposits before the truck rolls, send invoices the moment the job wraps, and process payments wherever you are, in the field, at a warehouse, or online. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards-v1.svg)## [Invoices and payment links](https://stg-flute-staging.kinsta.cloud/products/invoicing/) Send professional invoices and payment links so customers can pay before, during, or after the move. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/table-columns-split.svg)## [Deposits and large transactions](https://stg-flute-staging.kinsta.cloud/products/payment-processing/) Collect deposits and process high-value transactions effortlessly — even for larger jobs. ![arrow-up](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/banknote-arrow-up.svg)## [ACH and B2B billing](https://stg-flute-staging.kinsta.cloud/products/ach-payments/) Process ACH payments and manage recurring billing for corporate accounts, freight contracts, and commercial clients. ![chevrnos](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/chevrons-down.svg)## [Mobile and on-site payments](https://stg-flute-staging.kinsta.cloud/products/mobile-payments/) Accept credit cards, debit cards, and contactless payments on the truck, at the job site, or at the customer's door. Pricing ## Pricing that fits your margins Flute comes with professional-grade features, without the cost or complexity of legacy payment platforms. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) Hardware ## Hardware built for the field [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) Portable ![hardware-portable](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-portable_webp.webp) Mounted ![hardware-mounted](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-mounted_webp.webp) Use the app ![hardware-app](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-app_webp.webp) Flute's payment processing hardware is durable and easy to use. Choose from countertop devices for the office and mobile card readers for the crew. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) ## FAQs Can Flute handle deposits and large transactions for moving jobs? Yes. Flute supports deposits at booking, large transaction processing, ACH transfers for commercial accounts, mobile payments for moving day, and digital invoicing, so you can collect payments at every stage of the job. Can I charge a cancellation or rescheduling fee? Yes. Flute lets you collect a deposit at booking that you can keep if a customer cancels or reschedules within a set window. You define the terms, and we handle the payment. It’s a straightforward way to protect your crew’s time without an awkward conversation on moving day. What payment methods can customers use for moving services? Flute accepts all major credit and debit cards, ACH bank transfers, contactless payments, and digital wallets, like Apple Pay and Google Pay, so you’re covered no matter how clients need to pay. Do you offer freight invoice processing solutions? Yes. Flute supports freight invoice processing for logistics companies of all sizes. Send itemized invoices, collect payments online, and manage outstanding balances [from one dashboard](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/). We also support ACH transfers for large freight and B2B transactions. What do I need to start accepting payments for my moving company? Most moving companies start with a mobile card reader for the crew and a Flute account to manage invoicing and reporting. From there, you can add more devices, ACH billing, and payment links as your business grows. Setup is fast, and support is available when you need it. ## Get paid faster on every job Collect deposits, send invoices, and process payments for any job, anywhere, at rates that work for your operation. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Luxury Transportation](https://stg-flute-staging.kinsta.cloud/industry/luxury-transportation/) **Published:** May 15, 2026 **Author:** Nerraj Thakur **Content:** ![luxury-transportation-home-banner](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/luxary-transport-home-banner-1500x1000.webp) Luxury transportation # Luxury transportation payment processing for every ride [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) Why luxury transportation businesses choose Flute. Meet the payment expectations of luxury clients without the cost. Collect deposits at booking, invoice corporate accounts, and process payments anywhere with Flute’s affordable, professional-grade tools. - ## Seamless, invisible payments - ## Corporate billing with confidence - ## Compliance and fraud prevention - ## Detailed reporting dashboard “The NLA is incredibly grateful to Flute for their longstanding support and partnership. Their continued commitment to the NLA and the industry has made a lasting impact, and we look forward to many more successful years working together.” [ Kyle Hammerschmidt ](https://www.linkedin.com/in/kyle-hammerschmidt/) CAE, Executive Director National Limousine Association Professional payment solutions for limo services. Flute gives luxury transportation providers a complete payment platform without the enterprise price tag. Accept payments anywhere, bill corporate accounts, and track revenue across your entire fleet from a single dashboard. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards-v1.svg)## [Seamless, invisible payments](https://stg-flute-staging.kinsta.cloud/products/payment-processing/) Accept credit and debit cards, contactless payments, and mobile wallets like Apple Pay and Google Pay, with Flute’s mobile readers. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/table-columns-split.svg)## [Corporate billing with confidence](https://stg-flute-staging.kinsta.cloud/products/invoicing/) Require deposits at booking, send payment links before a ride, and issue invoices for high-ticket transactions — all without the back-and-forth. ![arrow-up](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/banknote-arrow-up.svg)## [Compliance and fraud prevention](https://stg-flute-staging.kinsta.cloud/products/fraud-prevention-security/) Flute’s PCI-compliant platform keeps cardholder data secure, supports digital receipts and signatures, and helps protect you against chargebacks. ![chevrnos](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/chevrons-down.svg)## [Detailed reporting dashboard](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) Track payments across your entire fleet and reconcile end-of-day transactions, all from a single reporting dashboard. Pricing ## Pricing that makes sense for luxury transportation providers Premium service shouldn’t come with inflated processing fees. Flute gives luxury transportation businesses powerful payment tools at straightforward rates that protect your margins. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) Hardware ## Hardware fit for a smooth ride, start to finish [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) Portable ![hardware-portable](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-portable_webp.webp) Mounted ![hardware-mounted](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-mounted_webp.webp) Use the app ![hardware-app](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-app_webp.webp) Our hardware works just as well in the car as it does back at your office. Flute’s compact, durable mobile readers allow you to process payments in seconds, wherever your drivers are. Whether you’re outfitting a single car or a full fleet, setup is fast and easy. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) ## FAQs What payment solutions do you offer for limo services and chauffeurs? Flute supports card-present payments in the vehicle, [mobile readers](https://stg-flute-staging.kinsta.cloud/products/mobile-payments/) for drivers on the go, and digital invoicing for clients who prefer to pay before or after a ride. Can transport companies accept deposits for reservations with Flute? Yes. Collect a deposit at the time of booking using a payment link or saved card on file. It’s a straightforward way to protect your schedule and reduce last-minute cancellations on high-value reservations. Do you provide merchant services for transportation companies? Yes. Flute offers full merchant services for transportation companies, including payment processing, mobile POS hardware, invoicing, recurring billing, and reporting tools. It’s everything you need to run the payment side of your business from a single platform. Does Flute support corporate invoicing and recurring billing? Yes. Flute supports freight [invoice processing](https://stg-flute-staging.kinsta.cloud/products/invoicing/) for logistics companies of all sizes. Send itemized invoices, collect payments online, and manage outstanding balances from one dashboard. We also support ACH transfers for large freight and B2B transactions. How can transportation businesses reduce chargebacks? Capture digital signatures at the time of payment, automatically send receipts, and securely store transaction records in your Flute dashboard. Having clear documentation for every ride makes it much easier to dispute a chargeback if one comes up. ## Luxury transportation owners count on Flute Your clients expect a seamless experience from booking to drop-off. Flute makes sure the payment side of that experience is just as smooth. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Automotive](https://stg-flute-staging.kinsta.cloud/industry/automotive/) **Published:** May 9, 2026 **Author:** Nerraj Thakur **Content:** ![automotive-home-banner](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/automotive-home-banner_webp-1500x1000.webp) Automotive # Payment processing built for auto shops [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) Why automotive businesses choose Flute. You need a payment system that works as fast as the people in your shop. Flute’s automotive payment processing solutions keep things moving with easy integrations, secure payments, and reliable support. It’s built for how auto shops and dealerships really operate. - ## Payment flexibility that works for everyone - ## Simplified invoicing for seamless transactions - ## Mobile automotive merchant services - ## Trackable payments from one dashboard “NIADA’s National Corporate Partner program is a program that features industry-leading products and services that NIADA members use to facilitate business growth and enhance profitability. We are honored to have Flute as a partner.” ![Joekearse](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Joekearse_webp-150x150.webp) [ Joe Kearse ](https://www.linkedin.com/in/joe-kearse-6b8089390/) Business Partner Relations Manager, NIADA Auto repair payments made easy. From a $40 oil change to a $4,000 transmission rebuild, Flute's automotive payment processing is built for the full range of what auto shops do, without the friction or high costs. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards-v1.svg)## [Payment flexibility that works for everyone](https://stg-flute-staging.kinsta.cloud/products/payment-processing/) Our mechanic shop POS system lets your customers pay how they want, whether that’s credit, debit, contactless, or mobile wallet, in person, over the phone, or even online. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/table-columns-split.svg)## [Simplified invoicing for seamless transactions](https://stg-flute-staging.kinsta.cloud/products/invoicing/) Flute makes invoicing easy, with recurring billing for maintenance plans and convenient payment links so customers can settle bills on their own time. ![arrow-up](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/banknote-arrow-up.svg)## [Mobile automotive merchant services](https://stg-flute-staging.kinsta.cloud/products/mobile-payments/) Take your business on the road (literally). Mobile mechanics, tow truck drivers, and tire repair technicians can process payments on the go with Flute’s mobile solutions. ![chevrnos](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/chevrons-down.svg)## [Track every payment from one dashboard](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) Flute’s dashboard lets you track and manage all your payments in one place, no matter how or where the customer pays. Pricing ## Automotive payment processing pricing that makes sense Flute offers enterprise-grade payment processing for mechanics and auto shops, minus the hidden fees and higher price tag. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) Hardware ## Hardware built for busy auto shops [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) Portable ![hardware-portable](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-portable_webp.webp) Mounted ![hardware-mounted](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-mounted_webp.webp) Use the app ![hardware-app](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-app_webp.webp) Quick, contactless checkouts at the front desk. Mobile readers for the service bay. Flute’s auto repair POS systems are durable, easy to set up, and intuitive for anyone to use. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) ## FAQ What's the best POS system for an auto repair shop? The most effective POS system is one that’s easy to use, supports large transactions, and connects with your existing shop management software. Flute checks all three boxes and comes with live U.S.-based support if you ever need it. Can mechanics accept credit card payments with Flute? Yes. Credit card processing for auto shops is one of Flute’s core features. You can accept Visa, Mastercard, American Express, Discover, and contactless payments like Apple Pay and Google Pay in person, online, or over the phone. How can I reduce chargebacks in my auto shop? To reduce chargebacks, always provide clear estimates, itemized invoices, and proof of service. A payment system that captures digital signatures, supports receipts, and includes [fraud-protection tools](https://stg-flute-staging.kinsta.cloud/products/fraud-prevention-security/) can help prevent disputes before they arise. What hardware do I need to start taking payments at my mechanic or auto shop? Most shops start with a countertop terminal at the front desk. If your team takes payments in the shop or parking lot, a mobile card reader is a good addition. No matter how big or small your shop is, Flute will help you figure out the right setup for your volume and workflow. Does Flute support invoicing for auto repair payments? Yes. Flute lets you create and send digital invoices so customers can pay deposits online before work begins or settle the balance before pickup. It’s one of the most useful features for shops that handle a lot of estimates and larger jobs. ## Growing auto shops run on Flute Flute’s processing solutions mean more payments with less friction. That’s good for business. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Nonprofit](https://stg-flute-staging.kinsta.cloud/industry/nonprofit/) **Published:** May 18, 2026 **Author:** Nerraj Thakur **Content:** ![Non-profit-home-banner](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/non-profit-hero-image_webp.webp) Nonprofit # Nonprofit payment processing, built for good [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) Why nonprofit organizations choose Flute. Keep more of what you raise, with pricing built to respect your budget. Flute gives nonprofit organizations a secure, flexible way to accept donations online or in person, whether you’re running an auction, managing memberships, or processing gifts at an event. - ## Recurring donations - ## Price transparency - ## Secure processing - ## Powerful reporting “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](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/rainier-cendana-8w_webp-150x150.webp) [ Rainier Cendaña ](https://www.linkedin.com/in/rainier-cenda%C3%B1a-8850bb175/) President & CEO, Vitreous Alliance Payments that reach every donor. Flute handles nonprofit payments from a single platform. Accept credit cards, ACH transfers, mobile wallets, and online donations securely, reliably, and at rates that keep more money working toward your mission. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards-v1.svg)## Recurring donations Make it easy for supporters to give automatically on a monthly or annual basis. Once a donor enrolls, Flute handles the rest — giving your organization a steady, predictable revenue stream. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/table-columns-split.svg)## Price transparency Flute’s nonprofit-friendly pricing means low, transparent rates with no surprise fees buried in your statement. ![arrow-up](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/banknote-arrow-up.svg)## [Secure processing](https://stg-flute-staging.kinsta.cloud/products/fraud-prevention-security/) Donor trust is everything. Flute is PCI-compliant, built with security standards that protect sensitive payment information at every step. ![chevrnos](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/chevrons-down.svg)## [Powerful reporting](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) Flute’s dashboard gives you a clear view of every donation, so your team can easily track fundraising progress and reconcile records. Pricing ## Budget-friendly nonprofit payment processing Affordability matters in a nonprofit environment. With Flute’s transparent pricing, low rates, and straightforward fee structures, you know exactly what you’re paying. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) Hardware ## Hardware that’s ready when you are [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) Portable ![hardware-portable](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-portable_webp.webp) Mounted ![hardware-mounted](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-mounted_webp.webp) Use the app ![hardware-app](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-app_webp.webp) Flute’s hardware is modern, professional, and ready out of the box. Devices are easy to set up, simple for volunteers to use, and reliable enough to trust when it matters most. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) ## FAQs Does Flute support nonprofit payments and donation processing? Yes. Flute is built to handle the full range of payment needs nonprofits face, from one-time gifts to recurring donations, event sales, and membership renewals. You’ll have access to online, in-person, and mobile payment options all in one platform. What payment methods does Flute offer for nonprofits? Flute accepts credit and debit cards, ACH payment processing for nonprofits, online payments, contactless payments, and mobile wallets like Apple Pay and Google Pay. Your donors can give the way that’s most convenient for them, whether that’s in person at an event or online from home. Can I accept recurring donations through Flute? Yes. Flute supports recurring donation billing so you can set up automatic monthly or annual giving plans. Once a donor enrolls, they’re charged automatically, which means more predictable revenue and fewer lapsed supporters. Is free payment processing for nonprofits really possible? Flute’s zero-cost processing option lets you pass transaction fees to donors at checkout so more of every gift goes directly toward your mission. For organizations that prefer to absorb fees, Flute’s nonprofit pricing is straightforward and affordable with no surprise charges. ## Put more donations to work Flute gives nonprofits the payment tools they need to raise more, spend less on processing, and focus on what matters. Get started today and see how easy it is to manage and grow donations. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Health care](https://stg-flute-staging.kinsta.cloud/industry/health-care/) **Published:** May 15, 2026 **Author:** Nerraj Thakur **Content:** ![health-care-home-banner](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/health-care-home-banner.webp) Health care # Health care payment processing that keeps your practice running [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) Why health care providers choose Flute. Flute helps you deliver the payment experience patients deserve. Handle payments quickly, collect balances before or after visits, and keep your books organized, all without a complicated setup. - ## Easy copay collection - ## Recurring billing for ongoing care - ## Secure, HIPAA-friendly payments - ## Payment plans for patients “Partnering with Flute has been a wonderful experience. Everyone at Flute has been fabulous to work with — we appreciate the responsiveness and continued support we receive from the entire Flute team.” ![Allyson Thut](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/allyson-thut_webp-150x150.webp) [ Allyson Thut ](https://www.linkedin.com/in/allyson-thut-aba52812/) Director of Partner Development, Rectangle Health Patient payment solutions for busy offices. Payments should be the easiest part of any patient’s visit. With Flute’s health care billing solutions, your team can focus on care, not collections. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards-v1.svg)## [Easy copay collection](https://stg-flute-staging.kinsta.cloud/products/payment-processing/) Flute accepts credit and debit cards, mobile wallets, and contactless tap payments. Our platform also lets you send invoices or payment links so patients can handle copays quickly and conveniently. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/table-columns-split.svg)## [Recurring billing for ongoing care](https://stg-flute-staging.kinsta.cloud/products/recurring-billing/) Flute makes it easy to set up automatic, recurring billing for subscription-based care, treatment plans, or monthly wellness programs. ![arrow-up](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/banknote-arrow-up.svg)## [Secure, HIPAA-friendly payments](https://stg-flute-staging.kinsta.cloud/products/network-tokenization/) Flute's medical payment processing system is encrypted and PCI-compliant, so patient card data is never exposed, giving your practice one less risk to manage. ![chevrnos](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/chevrons-down.svg)## [Payment plans for patients](https://stg-flute-staging.kinsta.cloud/products/invoicing/) Offer patients a manageable way to pay over time. Flute automates the billing so you're never chasing invoices. Pricing ## Straightforward pricing for medical payment processing No hidden fees or inflated rates. Flute offers the kind of payment processing bigger businesses have always had access to, at a price that makes sense for growing companies like yours. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) Hardware ## Hardware that fits your front desk [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) Portable ![hardware-portable](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-portable_webp.webp) Mounted ![hardware-mounted](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-mounted_webp.webp) Use the app ![hardware-app](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-app_webp.webp) Flute's practical hardware is compact, easy to set up, and built for clinical settings. Our countertop devices are perfect for the front desk, while mobile readers make it easy for providers to check out patients during home visits. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) ## FAQs Does Flute support health care payment processing for clinics and practices? Yes. Flute supports payment processing for clinics, private practices, and other health care providers. You can accept in-person, online, and mobile payments, and manage everything through one dashboard. What are the best payment solutions for health care providers? The best payment solutions for health care providers are ones that handle multiple payment types, support billing before and after appointments, and make reconciliation easy. It’s also important to have access to U.S.-based support when needed. Can patients pay their medical bills online? Yes. With Flute, you can send a [payment link or text to pay message](https://stg-flute-staging.kinsta.cloud/products/invoicing/) so patients can settle their bills at their convenience. It’s one of the most effective ways to reduce outstanding balances without requiring a follow-up call. What's included in a medical merchant account? Flute offers everything you need to manage your payments, including payment processing, POS hardware, recurring billing, invoicing, payment links, and live U.S.-based support. What payment methods can patients use with Flute? Patients can pay with credit cards, debit cards, contactless payments, and Apple Pay and Google Pay. Flute also supports online payments and text to pay, so patients have options. ## Better patient experiences start with Flute Flute comes with fewer billing headaches and faster front-desk checkout. Join other health care providers who use Flute to keep their practices running smoothly. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Veterinary](https://stg-flute-staging.kinsta.cloud/industry/veterinary/) **Published:** May 14, 2026 **Author:** Nerraj Thakur **Content:** ![veterinary-home-banner](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/veterinary-home-banner-1500x1000.webp) Veterinarians # Veterinary payment processing that fits [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) Why veterinarians choose Flute. Keep your vet staff focused on pet care, not payments. Flute makes it easy to collect deposits, send invoices, automate wellness plan billing, and take any payment: at the counter, in the exam room, or on a house call. - ## Seamless checkouts - ## Simple billing - ## Compliant processing - ## All-in-one dashboard "Our clients appreciate having options, and they really like seeing how much they save. We saved over $20,000 last year, which meant we didn't have to raise our rates. It's a win-win, and we save time, too, because there's just less back-and-forth." ![autopsy-logo](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/autopsy_logo.webp) Marcie Schultz Administrator, The Autopsy Doctor Payment tools built for veterinary practices. Flute gives veterinary practices one platform to handle deposits, post-surgery invoices, wellness plan billing, and front-desk sales. Our solutions allow your staff to spend less time wrangling payments and more time focused on the patients who need them. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards-v1.svg)## [Seamless checkouts](https://stg-flute-staging.kinsta.cloud/industry/payment-processing/) Customers can pay via credit and debit cards, contactless payments, text to pay links, and mobile wallets, all while holding a leash or carrier. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/table-columns-split.svg)## [Robust billing](https://stg-flute-staging.kinsta.cloud/products/invoicing/) Collect deposits before procedures, send invoices after surgeries, and set up automatic recurring charges for wellness plans. ![arrow-up](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/banknote-arrow-up.svg)## [Compliant processing](https://stg-flute-staging.kinsta.cloud/products/fraud-prevention-security/) Our secure, PCI-compliant platform keeps client payment data safe, so your practice stays protected, and your clients can relax knowing their information is in good hands. ![chevrnos](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/chevrons-down.svg)## [All-in-one dashboard](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) Every payment, from front-desk transactions and recurring wellness charges to invoices paid online, appears in a central dashboard for easy tracking. Pricing ## Rates built for vet practices Flute offers transparent, competitive rates for veterinarians. Low, predictable pricing means you always know what you’re paying, and more of every payment stays with your practice. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) Hardware ## From front desk to exam room [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) Portable ![hardware-portable](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-portable_webp.webp) Mounted ![hardware-mounted](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-mounted_webp.webp) Use the app ![hardware-app](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-app_webp.webp) Flute’s hardware is reliable and ready for a busy clinic. Countertop terminals handle checkout at the front desk; mobile readers travel with staff into exam rooms or on house calls; and everything is ready to use without extensive training. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) ## FAQs How does Flute handle vet payment processing? Flute supports the full range of veterinary payment needs, from front-desk card payments and contactless checkouts to [recurring wellness-plan billing](https://stg-flute-staging.kinsta.cloud/products/recurring-billing/) and post-procedure invoicing. Manage everything from a single platform, and access U.S.-based support whenever you need it. Do you offer veterinary merchant services? Yes. Flute’s veterinary merchant services include payment acceptance across all major card types, mobile wallets, ACH, and contactless payments, as well as invoicing, recurring billing, and a reporting dashboard. It’s everything a veterinary practice needs to manage payments in one place. How do clients pay bills? Clients can pay at the front desk with a card or contactless payment, over the phone, or through a payment link after their visit. Flute accepts all major credit and debit cards, Apple Pay, Google Pay, and ACH transfers. Can I tag payments by patient? Flute’s dashboard lets you track and organize transactions so your team can keep clear records by visit, client, or pet. This makes it straightforward to reference payment history for insurance documentation or account queries without digging through paper receipts. Does Flute work with veterinary practice software? Flute integrates with a range of practice management systems so your payment data and clinical records stay connected. Reach out to our team, and we’ll confirm compatibility with your software. ## Veterinarians trust their payments to Flute Collect deposits before procedures, send invoices after surgeries, and automate wellness plan charges in between. Flute handles the billing so your staff can focus on caring for patients. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Legal & Financial](https://stg-flute-staging.kinsta.cloud/industry/legal-financial/) **Published:** May 15, 2026 **Author:** Nerraj Thakur **Content:** ![legal-finance-home-banner](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/legal-finance-home-banner.webp) Legal and financial # Payment processing for legal and financial services [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) Why legal and financial businesses choose Flute. Flute gives legal and financial practices a secure, affordable way to accept payments — with the flexibility to handle retainers, large transactions, and recurring billing without complexity. - ## Flexible payments - ## Automated invoicing - ## PCI-compliant security - ## Robust reporting “Working with Flute has been a game‑changer. From day one, it didn’t feel like a vendor–client relationship — it was a true partnership. Flute listens, adapts, and builds solutions tailored to our needs, pulling everything together as an all‑in‑one platform. Their approach delivers seamless, efficient payment operations — and we love it.” ![donbregin](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/donbregin_webp-150x150.webp) [ Don Bregin ](https://www.linkedin.com/in/donbregin/) Managing Partner, ETA Certified Payments Professional Tru Payments Built for every way legal and financial firms get paid. With Flute, you get access to flexible billing, PCI-compliant security, and competitive rates, all without the complexity or cost of legacy payment processing software. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards-v1.svg)## [Flexible payments](https://stg-flute-staging.kinsta.cloud/products/payment-processing/) Accept credit cards, debit cards, ACH transfers, deposits, and digital wallets from any client, anywhere. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/table-columns-split.svg)## [Automated invoicing](https://stg-flute-staging.kinsta.cloud/products/invoicing/) Send professional invoices, set up recurring billing, or trigger a payment link so clients can pay on their own without a phone call. ![arrow-up](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/banknote-arrow-up.svg)## [PCI-compliant security](https://stg-flute-staging.kinsta.cloud/products/fraud-prevention-security/) Flute's payment solutions are fully PCI-compliant, with tokenized card storage, encrypted transactions, and built-in fraud protection. ![chevrnos](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/chevrons-down.svg)## [Robust reporting](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) Flute's reporting dashboard tracks every payment, invoice, and transaction, so billing reviews, audits, and client questions never catch you off guard. Pricing ## Payments at rates that work for your firm Flute gives law firms, accounting practices, and financial advisors a full-featured payment-processing platform without the cost or complexity of enterprise software. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) Hardware ## Professional hardware built for client-facing businesses [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) Portable ![hardware-portable](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-portable_webp.webp) Mounted ![hardware-mounted](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-mounted_webp.webp) Use the app ![hardware-app](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-app_webp.webp) Flute’s modern, professional-grade hardware can handle all your complex billing needs without complicated setup or training. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) ## FAQs How does Flute support payment processing for law firms? Flute is built to handle the billing complexity that law firm payment processing requires. Accept credit cards, debit cards, and [ACH payments](https://stg-flute-staging.kinsta.cloud/products/ach-payments/), set up recurring billing for retainer clients, and send payment links so clients can pay on their schedule. Is Flute a good alternative to LawPay? Yes. As a LawPay alternative, Flute offers competitive rates, [ACH payment support](https://stg-flute-staging.kinsta.cloud/products/ach-payments/), recurring billing, and PCI-compliant security. You get the tools law firms need at straightforward, predictable pricing. What payment methods can attorneys accept from clients? You can accept all major credit and debit cards, ACH bank transfers, contactless payments, and digital wallets, including Apple Pay and Google Pay. Flute also supports payment links and recurring billing, so clients have flexibility in how and when they pay. What payment solutions are available for accounting firms and CPAs? Flute provides accounting firms and CPAs with a complete payment-processing solution: online invoicing, recurring billing, ACH transfers for large payments, and a reporting dashboard. It’s everything a CPA merchant services platform should be, at a price that makes sense. How do you handle payment security and compliance? Flute is fully PCI-compliant. Every transaction is encrypted, and card data is tokenized, so you never have to deal with sensitive payment information. Plus, our built-in fraud protection constantly monitors for suspicious activity, so you don’t have to worry about fraud or scams. ## Better payment processing for financial services starts here Get the payment platform your firm deserves: flexible, secure, and priced for your business. Get started with Flute today. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Consignment & Resale](https://stg-flute-staging.kinsta.cloud/industry/consignment-resale/) **Published:** May 15, 2026 **Author:** Nerraj Thakur **Content:** ![consignment-resale-home-banner](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/consignment-resale-home-banner_webp-1500x1000.webp) Consignment and retail # A thrift store POS system built for resale [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) Why consignment and retail shops choose Flute. Flute’s payment and POS solutions keep checkout fast, easy, and organized, so you can focus on your business. - ## Flexible payment options - ## Affordable, modern hardware - ## Invoicing and payment links - ## One dashboard for tracking “Our members have benefited from Flute excellent credit card processing rates, saving members money through their discounted services.” ![reginaciarleglio](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/reginaciarleglio_webp-150x150.webp) [ Regina Ciarleglio ](https://www.linkedin.com/in/reginaciarleglio/) Director of Membership, Jewelers of America Consignment store payment processing, simplified. Standard retail POS systems weren’t built for resale. With Flute, you can seamlessly manage your entire payment process from one platform. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards-v1.svg)## [Flexible payments mean faster checkouts](https://stg-flute-staging.kinsta.cloud/products/payment-processing/) Accept credit, debit, and contactless payments so customers can tap and go without holding up the line. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/table-columns-split.svg)## [Affordable, modern hardware](https://stg-flute-staging.kinsta.cloud/products/hardware/) Enjoy a modern payment experience with intuitive, easy-to-use tools, faster funding, and simple, transparent pricing. ![arrow-up](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/banknote-arrow-up.svg)## [Convenient invoicing and payment links](https://stg-flute-staging.kinsta.cloud/products/invoicing/) Flute lets you send invoices and payment links for transactions like estate lots, large donations, and bulk inventory. ![chevrnos](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/chevrons-down.svg)## [One dashboard for all payment activity](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) Flute’s dashboard gives you a clear picture of your shop’s payment processing activity, all in one place. Pricing ## Straightforward pricing for resale and consignment stores Flute’s pricing is transparent, with rates that make sense for the way growing companies like yours operate. We offer a modern payment experience without the high fees that usually go with it. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) Hardware ## Hardware fit for a resale floor [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) Portable ![hardware-portable](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-portable_webp.webp) Mounted ![hardware-mounted](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-mounted_webp.webp) Use the app ![hardware-app](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-app_webp.webp) Flute's hardware is easy to set up and use, in-store or on the go. Handle checkout quickly at the counter or take our mobile readers off-site to estate sales or anywhere else your team takes payments. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) ## FAQs What's the best POS system for a thrift store or consignment shop? The best POS system is one that offers a modern experience without a high price tag. Look for a provider with live support so you don’t risk downtime if an issue arises. Do you provide merchant services for consignment stores? Yes. Flute offers full merchant services, including payment processing, invoicing, hardware, and seller payout tools, all on a single platform. What payment methods can resale stores accept with Flute? Flute supports credit and debit cards, contactless payments, [mobile payments](https://stg-flute-staging.kinsta.cloud/products/mobile-payments/), and payment links for remote transactions. Your customers can pay however works best for them. What do I need to start accepting payments? Most shops start with a countertop POS system. If you run off-site sales or events, a mobile reader is a good add-on. Flute will help you figure out the right setup based on your volume and how you operate. Can I switch from my current POS or payment processor to Flute? Yes. Our onboarding team will walk you through the transition and make sure your setup is right for you before you go live. Switching is easier than most shop owners expect. ## Flute keeps payment processing easy for resale shop owners With Flute, shop owners can easily manage and grow their business, one easy checkout experience at a time. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Sports & Outdoors](https://stg-flute-staging.kinsta.cloud/industry/sports-outdoors/) **Published:** May 14, 2026 **Author:** Nerraj Thakur **Content:** ![sports-good-home-banner](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/sports-goods-home-banner-1500x1000.webp) Sports and outdoors # Sporting goods POS that keeps up [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) Why sports and outdoors businesses choose Flute. Flute gives sporting goods retailers and outdoor outfitters a flexible, secure payment platform that handles high-ticket transactions, syncs inventory, and keeps checkout fast, both in-store and online. - ## Flexible payments - ## Straightforward pricing - ## E-commerce support - ## Reporting dashboard “We’re thrilled to partner with Flute to support our members with reliable, affordable payment solutions. Their consistent attendance at our trade show events and genuine care for the needs of our retailers reflect the kind of partnership that truly strengthens our industry.” ![heather-mason](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/heather-mason_webp-150x150.webp) [ Heather Mason ](https://www.linkedin.com/in/heather-mason-9620b588/) Executive Director, National Bicycle Dealers Association Sell more gear, track everything with Flute. Sporting goods retail moves fast. Flute keeps every transaction connected, and every piece of inventory accounted for, whether a customer is buying a kayak in the store, picking up trail gear at an outdoor event, or shopping your website at midnight. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards-v1.svg)## [Flexible payments](https://stg-flute-staging.kinsta.cloud/products/payment-processing/) Flute supports a variety of flexible payment types, including credit and debit cards, digital wallets, and mobile payments, so your customers can pay however they want to. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/table-columns-split.svg)## [Straightforward pricing](https://stg-flute-staging.kinsta.cloud/products/dual-pricing-surcharging/) Other payment platforms charge more as your business grows. Flute keeps rates low and fees transparent, no matter your volume. ![arrow-up](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/banknote-arrow-up.svg)## [E-commerce support](https://stg-flute-staging.kinsta.cloud/products/online-payments/) Sell gear online or through popular e-commerce marketplaces. Flute keeps online and in-person sales connected, so orders, payments, and reporting stay in sync across every channel. ![chevrnos](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/chevrons-down.svg)## [Reporting dashboard](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) Track sales and payment performance across all channels in one convenient reporting dashboard. Pricing ## Sporting Goods pricing that makes sense Flute offers transparent, competitive rates for sporting goods businesses. Get predictable pricing that works for you, without complex fee structures getting in the way. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) Hardware ## Hardware for the store counter, floor, and field [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) Portable ![hardware-portable](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-portable_webp.webp) Mounted ![hardware-mounted](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-mounted_webp.webp) Use the app ![hardware-app](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-app_webp.webp) Flute’s hardware is durable, easy to set up, and simple for anyone on your team to use. Countertop devices handle high-volume in-store sales, while mobile readers let you take payments at tournaments, outdoor markets, or wherever the season takes you. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) ## FAQs Which sporting goods POS is best? The best sporting goods POS is one that handles payments across multiple channels, supports high-ticket transactions, and keeps checkout fast in a busy retail environment. Your provider should also give you access to U.S.-based support whenever you need it. What payment types does Flute accept? Flute accepts all major credit and debit cards, contactless payments, and mobile wallets. You can also take payments over the phone or [send payment links](https://stg-flute-staging.kinsta.cloud/products/invoicing/) for remote and online transactions. Do you offer mobile POS solutions? Yes. Flute’s mobile readers work anywhere you have a connection, making them a solid fit for outdoor events, pop-ups, and field sales. Your outdoor retail POS system goes wherever your business does. What hardware do I need? Most sporting goods retailers start with a countertop payment device for in-store sales and add a mobile reader for events or off-site selling. Flute will help you figure out the right setup for your footprint and sales volume. Can I invoice high-ticket purchases? Yes. Flute supports invoicing for large or custom transactions, so you can send a payment link for a high-end bike build, a bulk team order, or any sale that doesn’t happen at the register. Clients pay on their own time, and you can track it all in one place. ## The register shouldn’t slow you down Flute gives sporting goods retailers and outdoor outfitters the tools to sell faster, track smarter, and keep customers happy at every touchpoint. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Independent Retail](https://stg-flute-staging.kinsta.cloud/industry/independent-retail/) **Published:** May 11, 2026 **Author:** Nerraj Thakur **Content:** ![Retail industry hero banner](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/retail-industry-hero_cmp_webp-1500x1000.webp) Independent retail # Retail payment processing, powered by Flute [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) Why retailers choose Flute. Most payment platforms make you choose between powerful features and an affordable price. Flute gives independent retailers both. - ## Fast transactions with payment flexibility - ## Low rates built for retail - ## Seamless e-commerce checkout - ## Robust reporting dashboard “Flute listens, adapts, and builds solutions tailored to our needs, pulling everything together as an all‑in‑one platform. Their personalized attention and flexibility mean we never have to chase different rails or vendors. This approach delivers seamless, efficient payment operations — and we love it.” ![donbregin](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/donbregin_webp-150x150.webp) [ Don Bregin ](https://www.linkedin.com/in/donbregin/) Managing Partner, ETA Certified Payments Professional Tru Payments Retail payment processing solutions to keep lines moving. Retail moves fast, and customers expect a smooth checkout every time. Flute gives you the tools to deliver that, whether someone's paying in store, online, or on the go. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards-v1.svg)## [Checkout built for every payment type](https://stg-flute-staging.kinsta.cloud/products/payment-processing/) Accept credit, debit, contactless, and mobile wallet payments with Flute's retail checkout solutions. No extra setup required. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/table-columns-split.svg)## [Rates built for independent retailers](https://stg-flute-staging.kinsta.cloud/products/dual-pricing-surcharging/) Our transparent pricing keeps fees predictable and rates competitive, so independent and growing retailers can keep more of every sale. ![arrow-up](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/banknote-arrow-up.svg)## [Seamless e-commerce checkout](https://stg-flute-staging.kinsta.cloud/products/online-payments/) Flute connects your in-store and online sales so inventory, reporting, and payments stay in sync, and your customers get a clean checkout experience. ![chevrnos](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/chevrons-down.svg)## [Robust reporting for every transaction](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) Flute’s dashboard gives you a clear picture of your sales so you always know where your business stands, without digging through reports. Pricing ## Retail payment pricing that makes sense Flute gives independent retail businesses access to enterprise-grade features without the elevated price tag. That means straightforward rates, no hidden fees, and faster access to funds, all within your budget. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) Hardware ## Retail POS hardware for any setting [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) Portable ![hardware-portable](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-portable_webp.webp) Mounted ![hardware-mounted](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-mounted_webp.webp) Use the app ![hardware-app](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-app_webp.webp) Flute’s hardware is durable enough for a busy retail environment and simple enough that you won’t have to spend hours training your staff. And with our mobile POS solutions, you can take payments anywhere — on the shop floor or at a market stall. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) ## FAQs How does Flute support retail payment processing? Flute is built to handle retail payment processing for independent stores of all sizes. Our modern hardware, flexible payment solutions, and affordable pricing make us a good fit for growing businesses. What payment methods can I accept with Flute? Flute accepts all major credit and debit cards, contactless payments, and mobile wallets, including Apple Pay and Google Pay. You can also accept payments in person, online, on the go, or over the phone. Do you offer mobile POS solutions? Yes. Flute offers mobile POS for retail stores, so you can [take payments anywhere](https://stg-flute-staging.kinsta.cloud/products/mobile-payments/): on the sales floor, at events, and wherever else your customers are. Our mobile readers are compact, reliable, and connect in seconds. What hardware do I need for retail payment processing? Most stores start with a countertop POS at the register. If you have staff moving around the floor or working at pop-ups or markets, mobile readers are good additions. Our team can help you figure out the right setup for your store’s volume and layout. What’s the best retail POS solution for independent businesses? The best retail POS solution for an independent store is one that handles payments reliably, integrates with the way you already sell, helps you save on processing fees, and offers hands-on support. ## More sales, less friction Independent retailers choose Flute because it works. Simple setup, honest pricing, and a system that keeps up no matter how busy it gets. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Jewelers](https://stg-flute-staging.kinsta.cloud/industry/jewelry/) **Published:** May 9, 2026 **Author:** Nerraj Thakur **Content:** ![Jewelery-home-banner](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/jewlery-home-banner_webp-1500x1000.webp) Jewelers # A jewelry store POS system built for growth [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) Why jewelers choose Flute. Flute delivers the flexibility and reliability of a high-end jewelry payment processing platform at a price that makes sense for your business. Accept any payment, protect every transaction, and spend less on fees, without overpaying to do it. - ## In-store and online payments - ## Zero-cost processing, better margins - ## Secure vaulting for repeat buyers - ## Level 2/3 processing savings “They provide a clear value for our membership, and this has helped us with member acquisition and retention. Our members have benefited from Flute’s excellent credit card processing rates, saving members money through their discounted services.” ![reginaciarleglio](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/reginaciarleglio_webp-150x150.webp) [ Regina Ciarleglio ](https://www.linkedin.com/in/reginaciarleglio/) Director of Membership, Jewelers of America Jewelry merchant services for growing businesses. High-ticket sales demand more than a basic checkout. Flute gives jewelers the tools to take payments securely, cut processing costs, and keep customers coming back ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards-v1.svg)## [In-store and online payments](https://stg-flute-staging.kinsta.cloud/products/payment-processing/) Flute's comprehensive jewelry payment processing system handles it all, from invoicing to e-commerce and in-person transactions. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/table-columns-split.svg)## [Zero-cost processing to save on costs](https://stg-flute-staging.kinsta.cloud/products/dual-pricing-surcharging/) In high-ticket jewelry sales, credit card fees add up fast. Take advantage of zero-cost processing to protect your margins and keep more of what you earn. ![arrow-up](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/banknote-arrow-up.svg)## [Customer vaulting with PCI-compliant security ](https://stg-flute-staging.kinsta.cloud/products/network-tokenization/) Flute's customer vaulting reduces your compliance burden and chargeback risk. Sensitive payment details are tokenized and stored in a Level 1 PCI-DSS-certified repository. ![chevrnos](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/chevrons-down.svg)## [Level 2 and 3 processing advantages](https://stg-flute-staging.kinsta.cloud/products/level-2-3-processing/) Reduce interchange rates by as much as 1% with Flute’s level 2 and 3 data processing. On high-value jewelry sales, that adds up fast. Pricing ## Stop overpaying for jewelry payment processing You shouldn’t have to choose between affordable and capable. Flute offers flexible payment processing with transparent pricing, lower rates, and faster access to funds. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) Hardware ## Reliable payment hardware, built for how jewelers operate [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) Portable ![hardware-portable](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-portable_webp.webp) Mounted ![hardware-mounted](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-mounted_webp.webp) Use the app ![hardware-app](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-app_webp.webp) Flute's hardware is built for busy retail businesses. Accept contactless payments, run deposits, and process high-ticket transactions with equipment that's easy for any staff member to pick up and use. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) ## FAQ How do I choose the best POS system for my jewelry store? The best jewelry store POS system is one that reliably handles high-ticket transactions, integrates with your existing workflow, and provides [clear reporting](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/). Flute checks all three and comes with live U.S.-based support when you need it. How can jewelers reduce credit card processing fees? Flute’s zero-cost processing and dual-pricing options let you either pass processing fees to customers transparently or absorb them at a lower rate. Level 2 and 3 processing can also reduce interchange costs by up to 1% on commercial card transactions. Can jewelry stores accept split payments or deposits with Flute? Yes. Flute supports deposits, partial payments, and payment links so customers can pay ahead of time or in stages. It’s great for custom orders, layaways, or high-ticket purchases that need more flexibility. Do you offer contactless and mobile wallet payments? Yes. Flute accepts all major credit and debit cards, Apple Pay, Google Pay, and other contactless payment methods. Your customers can pay quickly and securely, however they prefer. Does Flute support payment processing for high-ticket jewelry sales? Yes. Flute is built for high-value transactions. You get fraud protection, secure tokenization, chargeback management tools, and level 2 and 3 processing so you can handle large sales with confidence. ## Better payment processing starts with Flute A jewelry POS system that’s a perfect blend of functionality and affordable. Join other jewelers using Flute to simplify payments and get more out of every transaction. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Market Stalls](https://stg-flute-staging.kinsta.cloud/industry/market-stalls/) **Published:** May 14, 2026 **Author:** Nerraj Thakur **Content:** ![Mobile-stall home](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/market_stall_home_banner_webp-1500x1000.webp) Market stalls # Mobile, easy-to-use POS for market stalls [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) Why market stall vendors choose Flute. Drive more sales at every market, fair, or pop-up with portable payment acceptance from Flute. No complicated pricing — just straightforward rates that work for your business. - ## Flexible ways to pay - ## Mobile payments made easy - ## Fast, secure checkout - ## Convenient reporting dashboard “Taking credit card payments upfront is an important part of our process, so we need transactions handled smoothly and support available when questions come up. Flute has been a valuable partner for our organization, and the team has always been responsive and easy to work with.” ![rickszilagyi](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/rickszilagyi_webp-150x150.webp) [ Rick Szilagyi ](https://www.linkedin.com/in/rickszilagyi/) Executive Director, New England Livery Association Payments that work anywhere you sell. Flute gives market vendors, farmers market sellers, and pop-up operators a simple, reliable way to accept payments anywhere, without a lot of hardware to haul or setup to figure out. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards-v1.svg)## [Flexible ways to pay](https://stg-flute-staging.kinsta.cloud/products/payment-processing/) Swipe, scan, or tap all types of payments, including credit and debit cards and mobile wallets like Apple Pay and Google Pay. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/table-columns-split.svg)## [Mobile payments made easy](https://stg-flute-staging.kinsta.cloud/products/mobile-payments/) Flute's mobile POS card readers connect to your phone or tablet in seconds. Just plug in, tap to pair, and start taking payments. ![arrow-up](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/banknote-arrow-up.svg)## [Fast, secure checkout](https://stg-flute-staging.kinsta.cloud/products/fraud-prevention-security/) Process payments quickly and securely with Flute's PCI-compliant platform, keeping both you and your customers protected from fraud. ![chevrnos](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/chevrons-down.svg)## [Convenient reporting dashboard](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) See your entire transaction history on your Flute dashboard. It makes it easy to track your sales activity, no matter how busy your weekends get. Pricing ## Affordable pricing for growing market vendors Get mobile-first payment tools priced for vendors like you, not big-box retailers. Flute ditches the complicated fee structure in favor of simple, transparent prices with flat rates and no hidden costs. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) Hardware ## Hardware as portable as your business [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) Portable ![hardware-portable](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-portable_webp.webp) Mounted ![hardware-mounted](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-mounted_webp.webp) Use the app ![hardware-app](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-app_webp.webp) Flute's hardware is lightweight, durable, and easy to use right away. Our card readers fit right into your apron or cash box. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) ## FAQs What’s the best card reader for a market stall? The best card reader for a market stall is small, fast, and reliable. Flute’s mobile card reader connects to your phone in seconds, accepts contactless payments, and lasts through a full market day on a single charge. What’s the best POS system for farmers’ markets? The best POS system for farmers’ markets accepts contactless payments and is easy enough to hand to a customer for a quick tap. It should also include a reporting dashboard that allows vendors to easily track their sales activity. What do I need to start taking payments at markets and fairs? Just a Flute account and a mobile card reader. Setup takes minutes, and you can be ready to take payments the same day. Do you offer mobile payment solutions? Yes. Flute offers [mobile payment devices](https://stg-flute-staging.kinsta.cloud/products/mobile-payments/) that let you accept contactless cards and mobile wallets like Apple Pay and Google Pay from anywhere. Customers can pay in seconds, enabling a fast checkout for high-traffic events. ## Sell more at every market with Flute Fast checkout, simple pricing, and hardware that fits in your pocket. Get started with Flute today and bring professional-grade payment processing to every market you attend. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Mobile Eats](https://stg-flute-staging.kinsta.cloud/industry/mobile-eats/) **Published:** May 14, 2026 **Author:** Nerraj Thakur **Content:** ![mobile-eats-hero-banner](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/mobile-eat-home-banner_webp-1500x1000.webp) Mobile eats # The smarter POS system for mobile eateries [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) Why mobile eats operators choose Flute. Accept faster payments at the window, collect deposits for catering jobs, and run your entire operation from a single platform. Flute gives food trucks and mobile caterers payment tools that larger restaurants use, at a price that makes sense for mobile eateries. - ## Fast, stress-free checkout - ## Affordable payment solutions - ## Event sales tracking - ## Easy event billing “Taking credit card payments upfront is an important part of our process, so we need transactions handled smoothly and support available when questions come up. Flute has been a valuable partner for our organization, and the team has always been responsive and easy to work with.” ![rickszilagyi](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/rickszilagyi_webp-150x150.webp) [ Rick Szilagyi ](https://www.linkedin.com/in/rickszilagyi/) Executive Director, New England Livery Association Food truck POS systems that keep the line moving. Running a food truck or catering business means taking payments fast, in tight spaces. Flute gives mobile food operators a full payment platform that handles everything from window sales to catering deposits, without weighing you down with clunky hardware or complicated software. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards-v1.svg)## [Fast, stress-free checkout](https://stg-flute-staging.kinsta.cloud/products/payment-processing/) Flute’s compact readers process payments in seconds, whether you’re moving through a lunch rush at the window or wrapping up a catering event. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/table-columns-split.svg)## [Affordable rates for mobile businesses](https://stg-flute-staging.kinsta.cloud/products/dual-pricing-surcharging/) Our pricing is built for businesses that operate on the go, with straightforward, affordable rates, no hidden fees, and no surprises on your statement. ![arrow-up](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/banknote-arrow-up.svg)## [Sales tracking for every event](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) Get a clear view of revenue across every market, pop-up, and catering job, so you always know where your business stands. ![chevrnos](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/chevrons-down.svg)## [Easy event billing](https://stg-flute-staging.kinsta.cloud/products/invoicing/) Collect deposits upfront and settle balances on-site, over the phone, or through a payment link. We support every transaction, no matter how your customers prefer to pay. Pricing ## Mobile payment pricing that works for you Get professional-grade merchant services at flat, transparent rates. Our payment tools were made for operators on the move, without brick-and-mortar budgets. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) Hardware ## Hardware as mobile as your business [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) Portable ![hardware-portable](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-portable_webp.webp) Mounted ![hardware-mounted](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-mounted_webp.webp) Use the app ![hardware-app](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-app_webp.webp) Our compact card readers accept tap, chip, swipe, and digital wallets. Flute's hardware is built to keep up with a busy service window, holds a charge through a full shift, and is easy enough for any member of your crew to pick up and use right away. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) ## FAQs Does Flute offer a POS system for food trucks? Yes. Flute’s food truck POS system is built for mobile operators who need fast, reliable payments at the window, at events, and on the road. Get started in minutes with no complicated setup. What payment processing options are best for mobile businesses? The best payment processing solutions accept tap to pay, chip, and swipe, and are compact enough to use in tight spaces. Flute checks every box and comes with flat, transparent pricing. Do you support catering event payment processing? Yes. Flute supports catering payments, including deposits at booking, on-site collection, and post-event invoicing. Manage every catering job from your Flute dashboard. Can I accept mobile payments with Flute? [Process payments anywhere](https://stg-flute-staging.kinsta.cloud/products/mobile-payments/) you have internet connectivity and accept contactless payments, chip, and swipe all from the same compact reader. How do I start taking payments for my food truck or catering business? Sign up for a Flute account, pick your hardware, and start taking payments at your next event. Setup takes minutes, and U.S.-based support is available if you need help. ## Take Flute to your next event Flute gives mobile food businesses the tools to take payments smoothly, track sales easily, and get paid without the hassle. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Independent Dining](https://stg-flute-staging.kinsta.cloud/industry/independent-dining/) **Published:** May 14, 2026 **Author:** Nerraj Thakur **Content:** ![Independent-dining](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/independent-dining-hero-banner-1500x1000.webp) Independent dining # Payments for restaurants that won’t slow you down [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) Why restaurants choose Flute. Flute helps you take payments fast, manage tips smoothly, and keep operations running without the complexity or cost. - ## Modern hardware without high prices - ## Faster, tip-friendly transactions - ## Flexible tableside payments - ## One dashboard for better reporting “Flute listens, adapts, and builds solutions tailored to our needs, pulling everything together as an all‑in‑one platform. Their personalized attention and flexibility mean we never have to chase different rails or vendors. This approach delivers seamless, efficient payment operations — and we love it.” ![donbregin](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/donbregin_webp-150x150.webp) [ Don Bregin ](https://www.linkedin.com/in/donbregin/) Managing Partner, ETA Certified Payments Professional Tru Payments Restaurant POS systems that keep up with your service. Flute keeps the payment process simple and your staff moving from one guest to the next, with fast checkouts, easy tipping, and reliable hardware. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards-v1.svg)## [Modern hardware without the high price tag](https://stg-flute-staging.kinsta.cloud/products/hardware/) Our payment solutions are intuitive and easy to use, while still being affordable and flexible enough for growing businesses. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/table-columns-split.svg)## [Faster, tip-friendly transactions](https://stg-flute-staging.kinsta.cloud/products/payment-processing/) Preset tip options make checkout fast for guests and easy for your staff. Accept tips without any clunky processes or awkwardness. ![arrow-up](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/banknote-arrow-up.svg)## [Flexible tableside payments](https://stg-flute-staging.kinsta.cloud/products/mobile-payments/) With mobile readers, customers can pay right at the table with credit and debit cards, contactless payments, and mobile wallets like Apple Pay and Google Pay. ![chevrnos](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/chevrons-down.svg)## [One dashboard for better reporting](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) The Flute dashboard tracks every transaction, so you can count on accurate reporting whether customers paid at the counter, at the table, or online. Pricing ## Simple, transparent pricing for restaurants Flute gives you powerful payment tools at rates built for growing restaurants — no hidden fees, and no surprises on your statement. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) Hardware ## Hardware that keeps up with a busy restaurant [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) Portable ![hardware-portable](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-portable_webp.webp) Mounted ![hardware-mounted](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-mounted_webp.webp) Use the app ![hardware-app](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-app_webp.webp) Flute works anywhere in your restaurant. Countertop devices handle the host stand and bar, while mobile readers let servers take payments right at the table. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) ## FAQs Does Flute offer a restaurant POS system? Yes. Flute offers a full restaurant POS system that integrates payments, tipping, and reporting in one platform. It works for counter service, table service, and everything in between, and it comes with U.S.-based support whenever you need it. What should I look for in a restaurant payment processing system? Look for a system that’s fast, reliable, and easy for staff to learn. You’ll need support for multiple payment types, including contactless and mobile wallets, along with flexible tipping options and clear reporting. The best solution will fit how your restaurant operates, rather than forcing you to change your workflows. What do I need to start taking payments for my restaurant? Most restaurants start with a countertop POS system at the register or bar. If your team [takes payments tableside](https://stg-flute-staging.kinsta.cloud/products/mobile-payments/), a mobile reader is a smart addition. We’ll help you figure out the right setup based on your volume and service style. Can my team accept tableside payments with your solutions? Yes. Flute’s mobile readers let your team process payments anywhere in the restaurant, including right at the table. We support all major card types plus contactless payments like Apple Pay and Google Pay. Is Flute a good alternative to other restaurant payment processing systems? Yes. Flute is a straightforward, cost-effective alternative to larger systems like Toast or Square, which often come with higher fees, long-term contracts, and more complexity than an independent restaurant needs. You get the features that matter without paying for the ones that don’t. ## Simple payments and smoother service, with Flute Flute’s payment processing solutions help restaurant owners simplify payments and keep more of what they earn. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Coffee Shops & Cafes](https://stg-flute-staging.kinsta.cloud/industry/coffee-shops-cafes/) **Published:** May 13, 2026 **Author:** Nerraj Thakur **Content:** ![coffee-cafe-banner](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/coffee-cafe-home-banner-1500x1000.webp) Coffee shops and cafes # The coffee shop POS that keeps your line moving [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) Why coffee shops and cafes choose Flute. Flute’s payment system was built for high-volume counters, so your customers can quickly pay and be on their way. - ## Fast, frictionless checkout - ## Tip-friendly payments - ## Streamlined reporting - ## Zero-cost processing “Flute listens, adapts, and builds solutions tailored to our needs, pulling everything together as an all‑in‑one platform. Their personalized attention and flexibility mean we never have to chase different rails or vendors. This approach delivers seamless, efficient payment operations — and we love it.” ![donbregin](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/donbregin_webp-150x150.webp) [ Don Bregin ](https://www.linkedin.com/in/donbregin/) Managing Partner, ETA Certified Payments Professional Tru Payments Fast payment processing from open to close. Flute fits right in with how your cafe already runs. No complicated setup, no expensive hardware you didn't ask for. Just a payment system that keeps up with your business from open to close. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards-v1.svg)## [Fast, frictionless checkout](https://stg-flute-staging.kinsta.cloud/products/payment-processing/) Flute accepts all major credit and debit cards, contactless payments, and mobile wallets. Whether customers tap, swipe, or scan, card payments for coffee shops have never been simpler. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/table-columns-split.svg)## [Tip-friendly payment experience](https://stg-flute-staging.kinsta.cloud/products/hardware/) Flute automatically prompts for tips, so you don't have to. It speeds up the checkout experience while ensuring employees feel appreciated. ![arrow-up](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/banknote-arrow-up.svg)## [Unified dashboard for easy reporting](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) Flute's dashboard tracks sales in one place, so you don’t have to toggle between systems or wait until close to see how the day went. ![chevrnos](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/chevrons-down.svg)## [Zero-cost processing](https://stg-flute-staging.kinsta.cloud/products/dual-pricing-surcharging/) With Flute's zero-cost processing, you can accept credit and debit cards without paying processing fees. What you make is what you keep. Pricing ## Simple pricing for coffee shop payment processing With Flute, you get lower fees and faster access to funds, with no surprise fees or confusing contracts. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) Hardware ## Hardware that keeps up with your shop [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) Portable ![hardware-portable](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-portable_webp.webp) Mounted ![hardware-mounted](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-mounted_webp.webp) Use the app ![hardware-app](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-app_webp.webp) Flute’s payment hardware is compact, easy to set up, and intuitive enough for anyone to use. Our countertop devices and mobile readers are ready to go as fast as you are. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) ## FAQs Does Flute offer a coffee shop POS system? Yes. Flute’s POS is built for the pace of a coffee shop, with fast transactions, tip prompts, and contactless payments. It works with your existing setup and doesn’t require much configuration to get started. What do I need to start taking payments at my coffee shop or cafe? Most shops start with a countertop device at the register. If you take payments tableside or at events, [a mobile card reader](https://stg-flute-staging.kinsta.cloud/products/mobile-payments/) is a good addition. Our team will walk you through the right setup based on your volume and how your shop runs. Can I accept tap to pay and contactless card payments? All Flute hardware supports contactless payments, including NFC cards and mobile wallets. In a high-traffic environment, tap to pay makes a meaningful difference in how quickly you can move customers through the line. Do you offer merchant services for coffee shops and cafes? Yes. Flute’s coffee shop merchant services include payment processing, hardware, a reporting dashboard, and U.S.-based support. We offer simple, transparent pricing and integration support, so you can get set up quickly. Can Flute work with my existing cafe software or ordering system? Flute integrates with several popular POS and ordering platforms. If you’re already using a system you like, it’s worth a quick conversation to confirm compatibility before you switch anything over. ## Experience the difference Flute makes at your shop Every slow transaction is a customer who might not come back. Flute keeps your counter fast, your tips up, and your operations running the way they should. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Death care](https://stg-flute-staging.kinsta.cloud/industry/death-care/) **Published:** May 11, 2026 **Author:** Nerraj Thakur **Content:** ![Death Care](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/death-care_webp-1500x810.webp) Death care # Trusted payment processing for funeral homes [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) Why funeral homes choose Flute. During life’s most difficult moments, give the families you serve the clarity and flexibility they deserve by offering a variety of payment options and reducing the administrative burden on your staff. All so you can focus on care, not logistics. - ## Offer multiple ways to pay - ## Receive payments the next day - ## Eliminate processing costs - ## Stay compliant with insurance polices “Flute has been a wonderful partner, helping our members (and us) save thousands in processing each year.” ![heather-riles-bernier](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/heather-riles-bernier_webp-150x150.webp) [ Heather Bernier ](https://www.linkedin.com/in/heather-riles-bernier/) Associate Executive Director, Independent Funeral Directors of Florida Payment options designed for care, not complexity. We know that every funeral home operates differently, and every family’s needs are unique. That’s why we offer a range of payment options that adapt to different situations. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards-v1.svg)## [Flexible payment options](https://stg-flute-staging.kinsta.cloud/products/payment-processing/) Offer families a number of ways to pay, including by card or other methods like ACH and text-to-pay, with the option for installment plans that allow families to manage costs over time. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/table-columns-split.svg)## [Invoice splitting and automation](https://stg-flute-staging.kinsta.cloud/products/invoicing/) Create automated invoices and allow family members to pay separately without having to create multiple, individual invoices. ![arrow-up](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/banknote-arrow-up.svg)## [Next-day payouts](https://stg-flute-staging.kinsta.cloud/products/instant-payouts/) Maintain a steady cash flow with next-day payouts that arrive quickly and predictably, helping your business keep operations running smoothly. ![chevrnos](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/chevrons-down.svg)## [Lower processing costs](https://stg-flute-staging.kinsta.cloud/products/dual-pricing-surcharging/) Keep more of each payment without passing on unnecessary burden to families. With efficient pricing and ACH payment methods, you get better margins. Pricing ## Affordable payment processing for funeral homes We offer simple, transparent pricing that helps you keep costs clear and predictable, supporting your business and the families you serve. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) Hardware ## Funeral home payment terminals and devices [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) Portable ![hardware-portable](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-portable_webp.webp) Mounted ![hardware-mounted](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-mounted_webp.webp) Use the app ![hardware-app](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-app_webp.webp) When families are making arrangements, technology should stay out of the way. Our payment hardware gives you another way to accept payments securely and discreetly — without adding complexity for your staff. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) ## FAQ Do you specialize in payment processing for funeral homes? Yes. Flute supports funeral homes and death care providers with payment tools suited to the unique demands of the industry, including large transactions, multiple payment methods, and a billing process that’s smooth and stress-free for the families you serve. From deposits and digital invoicing to mobile payments and [ACH transfers](https://stg-flute-staging.kinsta.cloud/products/ach-payments/), Flute gives your team everything needed to handle the financial side of every arrangement with care. Would my business benefit from a comprehensive payments platform? Yes. If you’re managing invoicing, payment collection, and reporting across multiple tools, a single platform simplifies all of it. With Flute, your team can handle every transaction — deposits, final balances, pre-need payments, and at-need arrangements — from one dashboard How can we eliminate or offset credit card fees? Flute supports three approaches, each with different implications depending on your state, client base, and preferences: surcharging, cash discounting, and dual pricing. Surcharging adds a small fee to credit card transactions at checkout, passing the processing cost to the customer. The surcharge is disclosed at the time of payment and complies with card network rules. Cash discounting offers customers a reduced price when they pay with cash or check, passing the savings along when a credit card isn’t used. Dual pricing displays two prices at the point of sale, one for cash and one for card, so customers can make an informed choice before they pay. Our team will help you determine which model makes the most sense for your funeral home. What payment methods and equipment do you support? Flute accepts all major credit and debit cards, ACH bank transfers, contactless payments, and mobile wallets including Apple Pay and Google Pay. For equipment, Flute offers countertop terminals for the arrangement office, mobile card readers for payments taken outside a fixed location, and digital invoicing and payment links for families who prefer to pay remotely. Every transaction flows into the same dashboard, so nothing falls through the cracks. What security measures protect my transactions and data? Every transaction processed through Flute is encrypted, tokenized, and PCI-compliant. Sensitive card data is replaced with a unique token at the point of capture and never stored in its raw form. BIN protection monitors transactions for elevated fraud risk, and Flute’s platform meets the security standards required to protect both your business and the families you serve. ## Payments as thoughtful as your service Death care providers need a payment partner that understands the weight of the work. Flute gives your team the tools to handle deposits, invoices, and pre-need contracts, so your team can focus on the families who need them most. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Home & Field Services](https://stg-flute-staging.kinsta.cloud/industry/home-field-services/) **Published:** May 14, 2026 **Author:** Nerraj Thakur **Content:** ![home-field-services-home-banner](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/home-field-services-home-banner.webp) Home and field services # Payment solutions for home and field services [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) Why home and field services choose Flute. Your job is always on-site. Your payment system should be, too. Flute gives home and field service businesses a fast, reliable way to collect payments as soon as the work is done, without waiting. - ## Fast, on-site payments - ## Deposits before work begins - ## Invoicing and payment links - ## All transactions in one dashboard “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](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/rainier-cendana-8w_webp-150x150.webp) [ Rainier Cendaña ](https://www.linkedin.com/in/rainier-cenda%C3%B1a-8850bb175/) President & CEO, Vitreous Alliance Field service payments that work as hard as you do. Stop chasing invoices, waiting on checks, or dealing with payment apps that weren't built for the trades. Learn how Flute handles field service payments from the job site to your books. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards-v1.svg)## [Fast, on-site payments](https://stg-flute-staging.kinsta.cloud/products/mobile-payments/) Waiting on checks is a cash flow problem. With Flute, your technicians can accept credit cards on-site with a mobile reader, so payments are processed as soon as the work is done. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/table-columns-split.svg)## [Deposits before work begins](https://stg-flute-staging.kinsta.cloud/products/payment-processing/) Easily send a payment link for jobs that require an upfront deposit. Deposits and prepayments protect your time and give clients a straightforward way to commit. ![arrow-up](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/banknote-arrow-up.svg)## [Flexible invoicing and payment links](https://stg-flute-staging.kinsta.cloud/products/invoicing/) With Flute, you can send a payment link or a digital invoice after the job wraps up. Clients can pay right from their phone, whether it's a one-time repair or a recurring contract. ![chevrnos](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/chevrons-down.svg)## [All transactions in one dashboard](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) Every transaction is tracked through your Flute dashboard, whether you collected payment on-site, a client paid through a link, or a deposit came in ahead of schedule. Pricing ## Simple pricing for home and field service businesses Flute gives you the infrastructure, reliability, and support you’d expect from a much bigger solution, designed for growing businesses. Our clients get lower rates and faster access to funds, without the hidden fees or headaches. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) Hardware ## Hardware that works in the field [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) Portable ![hardware-portable](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-portable_webp.webp) Mounted ![hardware-mounted](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-mounted_webp.webp) Use the app ![hardware-app](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-app_webp.webp) Flute’s mobile readers are compact and reliable enough to toss in a service truck, and our countertop devices are available for shops or home bases where clients come to you. Either way, hardware setup takes minutes. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) ## FAQs What POS works best for home and field service payments? The right system for a field service business needs to work on-site, handle deposits, and provide visibility across your entire team. Flute’s POS for field services does all of that and includes U.S.-based support when you have questions. How does Flute support contractor payment processing? Contractor payment processing with Flute means your team can take payments anywhere with mobile readers for on-site jobs, payment links for remote billing, and a dashboard to track it all. You don’t need separate tools for each. What are the best payment options for field service technicians? The best payment options for field service technicians are ones that work without reliable Wi-Fi, accept any card type, and take less than a minute to complete. Flute’s mobile reader handles credit and debit cards, contactless payments, and Apple Pay and Google Pay. Do you support invoicing and payment links for contractors and technicians? Yes. You can send a digital invoice or payment link directly to a client after the job, and they can pay from their phone or computer. It’s useful when the customer isn’t on-site at the time of completion or prefers to pay remotely. Can I accept deposits or partial payments for larger jobs? Yes. Flute lets you collect a deposit using a payment link before work starts. For phased jobs, [send additional payment](https://stg-flute-staging.kinsta.cloud/products/recurring-billing/) requests as each stage is complete — so you and your client always have a clear record of what’s been paid. ## Built for businesses always on the move Flute means faster collections, fewer unpaid invoices, and a payment setup your whole crew can use. Find out why home and field service businesses prefer Flute. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Pet care](https://stg-flute-staging.kinsta.cloud/industry/pet-care/) **Published:** May 10, 2026 **Author:** Nerraj Thakur **Content:** ![pet care pricing banner](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/pet-care-hero_cp-1500x1000.webp) Pet care # Pet care payment processing, simplified [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) Why pet care businesses choose Flute. Flute gives groomers, boarders, dog walkers, and other pet care providers the tools to take payments anywhere — at the front desk, in the exam room, or out in the field — without overpaying for features you don’t need. - ## Flexible payment options - ## Pricing built for pet care - ## Mobile payments - ## All-in-one dashboard “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](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/rainier-cendana-8w_webp-150x150.webp) [ Rainier Cendaña ](https://www.linkedin.com/in/rainier-cenda%C3%B1a-8850bb175/) President & CEO, Vitreous Alliance Fast, modern payment solutions for pet services. You’re juggling appointments, walk-ins, boarding pickups, and house calls all at once. Flute gives you the hardware and tools to take payments quickly and keep things moving, no matter how busy the day gets. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards-v1.svg)## [Flexible payment options](https://stg-flute-staging.kinsta.cloud/products/payment-processing/) Accept credit and debit cards, mobile wallets, tap to pay, and online payments. Deposits, recurring billing, and invoicing are also built in, so pet owners can pay quickly and conveniently. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/table-columns-split.svg)## [Pricing built for pet care](https://stg-flute-staging.kinsta.cloud/products/dual-pricing-surcharging/) Flute’s transparent pricing keeps rates low and fees predictable, so more of every appointment, boarding stay, or house call stays in your pocket. ![arrow-up](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/banknote-arrow-up.svg)## [Mobile payments for grooming and pet sitting](https://stg-flute-staging.kinsta.cloud/products/mobile-payments/) Take Flute on the road and accept payments from your mobile grooming station or at your clients’ homes. Our mobile readers mean you always have a way to get paid, wherever your job takes you. ![chevrnos](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/chevrons-down.svg)## [All-in-one dashboard ](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) See all your appointments, payments, and sales activity in one place. Flute provides all the data you need at a glance, so you can close out at the end of the day in minutes, not hours. Pricing ## Payment processing priced right Flute’s pricing is straightforward, with low rates and no hidden fees or confusing invoices. Our transparent, competitive pricing makes sense for the way you operate. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) Hardware ## Hardware for busy pet businesses [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) Portable ![hardware-portable](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-portable_webp.webp) Mounted ![hardware-mounted](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-mounted_webp.webp) Use the app ![hardware-app](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-app_webp.webp) Flute’s hardware is built to hold up. It's quick to set up, simple for staff to learn, and designed to work reliably, whether pets come to you or you go to them. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) ## FAQs How does pet care payment processing work? Flute handles all the payment types your clients use: credit cards, debit cards, contactless payments, mobile wallets, and ACH. You can take payments in person, online, or via [payment links](https://stg-flute-staging.kinsta.cloud/products/invoicing/), and everything is tracked in a single dashboard. Setup is quick, and U.S.-based support is available if you need help. Do you offer a dog grooming POS system? Yes. Our POS system for dog grooming businesses includes everything you need to take payments, collect deposits, set up recurring billing for grooming packages, and track transactions from one place. It works at the front desk or with a mobile reader right at the grooming table. What do I need to start? Most pet care businesses start with a countertop device at the front desk and a mobile reader for curbside or in-kennel pickups. Flute will help you figure out the right setup for your volume and workflow, so you can get up and running quickly. Do you support contactless payments? Yes. Flute accepts tap to pay, mobile wallets, and all major contactless payment methods. Clients can pay quickly without handing over a card, which speeds up checkout and is especially handy for curbside pickup. Can I automate recurring billing? Yes. Flute supports [recurring billing](https://stg-flute-staging.kinsta.cloud/products/recurring-billing/) so you can automate charges for grooming packages, boarding plans, and any other ongoing services. You can also collect deposits at booking and charge the remaining balance at pickup. ## Spend less time on payments Flute keeps checkout fast, so you can focus on the animals in your care. Join other pet care businesses that are using Flute to take the work out of getting paid. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Childcare](https://stg-flute-staging.kinsta.cloud/industry/childcare/) **Published:** May 13, 2026 **Author:** Nerraj Thakur **Content:** ![child-card-banner](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/child-card-banner-1500x1000.webp) Childcare services # Simpler payments for childcare providers [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) Why childcare businesses choose Flute. Flute’s childcare payment processing lets you collect tuition, set up recurring billing, and give parents flexible ways to pay, all without any frustrating back-and-forth. Childcare is complicated enough. Collecting payments shouldn’t be. - ## Automated tuition billing - ## Deposits and prepayments for new enrollments - ## Flexible payment options for every family - ## Centralized dashboard for tracking "Flute has been a valuable partner for our organization, and the team has always been responsive and easy to work with." ![rickszilagyi](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/rickszilagyi_webp-150x150.webp) [ Rick Szilagyi ](https://www.linkedin.com/in/rickszilagyi/) Executive Director, New England Livery Association Payment tools built for childcare providers. Flute gives families a simple, stress-free way to pay. Our platform keeps billing organized, cuts unnecessary costs, and runs everything behind the scenes — so you can focus on building lasting relationships with your families. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards-v1.svg)## [Recurring tuition billing, automated](https://stg-flute-staging.kinsta.cloud/products/recurring-billing/) Take advantage of recurring payments for weekly, biweekly, or monthly tuition. Bills go out automatically, so you're not chasing down payments. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/table-columns-split.svg)## [Deposits and prepayments for new enrollments](https://stg-flute-staging.kinsta.cloud/products/invoicing/) Flute lets new families pay deposits through a simple payment link. It confirms their spot and ensures their first day is about settling in, not sorting out paperwork. ![arrow-up](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/banknote-arrow-up.svg)## [Flexible payment options for every family](https://stg-flute-staging.kinsta.cloud/industry/payment-processing/) Flute supports credit cards, debit cards, ACH bank transfers, and contactless payments. It’s payment convenience at its best. ![chevrnos](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/chevrons-down.svg)## [One dashboard for childcare payments](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) Every transaction, including tuition payments, deposits, late fees, and program add-ons, shows up in one place. It makes it easy to know where your business stands at any given moment. Pricing ## Simple pricing for daycare payment processing Predictable income matters when you’re running a childcare business. With Flute’s simple, transparent pricing, there are no hidden fees or surprises on your statement. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) Hardware ## Payment hardware that keeps up with your business [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) Portable ![hardware-portable](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-portable_webp.webp) Mounted ![hardware-mounted](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-mounted_webp.webp) Use the app ![hardware-app](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-app_webp.webp) Flute's payment hardware is built for busy childcare environments. It’s easy to set up, simple to use, and ready for however your childcare staff needs to take payments throughout the day. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) ## FAQs How does Flute support childcare payment processing? Flute gives childcare businesses the tools to collect tuition, send invoices, accept deposits, set up recurring billing, and track every payment, all from one platform. Can Flute handle recurring tuition payments? Yes. Flute’s recurring billing lets you set payments on a weekly, biweekly, or monthly schedule. It reduces the time you spend collecting payments and makes it easier for families to stay on top of tuition. Do you support ACH and credit card payments? Yes. Flute accepts [ACH bank transfers](https://stg-flute-staging.kinsta.cloud/products/ach-payments/), credit cards, debit cards, and contactless payments. Our solutions give families more ways to pay, which means fewer late payments and less friction for everyone. What do I need to start accepting payments for childcare businesses? Most childcare providers start with a countertop terminal for in-person payments and payment links for online collection. Our team will help you figure out the right setup for your business. What are the best payment processing options for childcare businesses? If you run a childcare business, look into recurring billing for tuition, online payment links for deposits and balances, and in-person terminals for walk-in payments. Flute covers all of these, with U.S.-based support when you need help. ## The childcare businesses count on Flute Your kids and their families deserve your full attention. Flute makes sure billing doesn't compete for it. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Pricing](https://stg-flute-staging.kinsta.cloud/pricing/) **Published:** May 25, 2026 **Author:** Nerraj Thakur **Content:** Pricing. More of every sale stays yours. Flute Standard 2.6% +10¢ **In-person**Tap, dip, or swipe Online Keyed-in, invoices, virtual terminals 3.3% +25¢ [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) Flute Custom Build your rate Pricing built around your business Interchange plus Transparent markup Volume-based Dual pricing Pass card fees Keep 100% [ Contact sales ](https://stg-flute-staging.kinsta.cloud/contact-us/) Platform All standard. Features and costs won’t creep. ![ic-zap](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/ic-zap-group-32.svg) Next-day funding Standard on most accounts. ![ic-laptop](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/ic-terminal-group_32.svg) Virtual terminal Key in payments from any computer. ![ic-file](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/ic-file-group_32.svg) Online invoicing Send and track invoices with payment links. ![ic-recurring](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/ic-recurring-billing_group_32.svg) Recurring billing Subscriptions and automatic billing. ![ic-card](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/ic_credit_card_group_32.svg) Card vault Save cards and customer profiles. ![ic-shield](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/ic-shield-group_32.svg) Fraud protection Screening and chargeback support. Case study $20,000 saved in credit card processing fees in the first year "Our clients appreciate having options, and they really like seeing how much they save. We saved over $20,000 last year, which meant we didn't have to raise our rates. It's a win-win, and we save time, too, because there's just less back-and-forth." Marcie Schultz Administrator, The Autopsy Doctor ![autopsy-doctor-case-study](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/autopsy-doctor-case-study-image_webp.webp) Hardware ## Need hardware? Have hardware? No problem. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) Portable ![Portable](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/03/portable.webp) Mounted ![Mounted](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/03/mounted.webp) Use the app ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/03/usetheapp.webp) With a range of payment terminals to choose from, allow your customers to pay in person however they want, whether they’re swiping, tapping to pay, or scanning a QR code — at the counter or on the go. Or bring your own devices to integrate seamlessly with the Flute platform. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) ## FAQs How can I lower my processing costs? There are several ways to offset card processing costs depending on your business model. Options like dual pricing, surcharging, and cash discounting let you compliantly pass card fees to customers who choose to pay by card — or reward customers who pay in cash. The right approach depends on your industry, your customer base, and your state’s regulations. Reach out to our team, and we’ll help you find the best fit. What is interchange-plus pricing? Interchange-plus is a pricing model where you pay the actual rate set by the card networks — Visa, Mastercard, and others — plus a small, fixed markup. Unlike flat-rate pricing, which charges one blended rate regardless of card type, interchange-plus is more transparent and can offer meaningful savings depending on your transaction volume and card mix. Talk to our team to find out if it’s the right model for your business. Can you help me lower costs on business and government transactions? Business and government purchases often qualify for lower rates through [Level 2 and Level 3 processing](https://stg-flute-staging.kinsta.cloud/products/level-2-3-processing/ "Level 2 & 3 Processing") — but only when the right transaction data is captured at the time of sale. Flute automatically tracks savings on every qualifying transaction, without changing how you take payments. If you regularly process B2B or government payments, it’s worth a conversation with our team. How much does it cost to get started? Costs vary based on your business size, [the hardware you need](https://stg-flute-staging.kinsta.cloud/products/hardware/ "Hardware"), and the features you’re looking for. We offer flexible options for businesses at every stage — whether you’re getting set up for the first time or expanding an existing operation. Contact our sales team for a personalized quote. Are there long-term contracts or hidden fees? Pricing in the payments industry can be hard to parse, and a lot of providers bury fees in the fine print. At Flute, what you see is what you get. We’ll walk you through your options and show you pricing before you commit to anything, so you never have to worry about getting trapped in a contract or finding unexpected fees down the line. Reach out to our team for a full breakdown. --- ### [Associations](https://stg-flute-staging.kinsta.cloud/partnerships/associations/) **Published:** May 27, 2026 **Author:** Nerraj Thakur **Content:** # The affinity partnership that pays both ways Your association members want better payment tools and lower processing costs. You need a recurring revenue stream. Flute’s affinity partner program delivers both. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us-associations/) ![Association-header-banner](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/associations-header.webp) ## Why associations choose Flute. - ## Reliable recurring revenue - ## Real member savings - ## Turnkey implementation - ## Dedicated payments partner “Flute has been a strong, consistent supporter of our association, profession, and the members we serve. They participate on our committees, exhibit at our convention, sponsor our events, and are a trusted resource on all matters related to credit card processing, and we have been proud to partner with them.” ![Matthew-Peralta](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Matthew-Peralta_webp-150x150.webp) [ Matthew Peralta ](https://www.linkedin.com/in/matthewhperalta/) Executive Director, California Funeral Directors Association What your association gets with Flute. Flute’s affinity partner program adds real value to your association membership without adding work to your team. All while you earn money in the background. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards-v1.svg)## [Recurring revenue](https://stg-flute-staging.kinsta.cloud/products/recurring-billing/) Earn commission every time a member processes payments with Flute, creating a predictable income stream. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/table-columns-split.svg)## Real member savings Members pay lower rates than they'd negotiate alone, giving you a real savings number at renewal. ![arrow-up](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/banknote-arrow-up.svg)## Turnkey implementation Flute builds the landing page, marketing materials, and member templates so you’re ready at launch. ![chevrnos](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/chevrons-down.svg)## Dedicated partner Your dedicated account manager handles co-branded resources, trade show support, and member education. ## How the revenue-sharing program works Earn a commission on every payment your members run through Flute. The more members who enroll, the more your association earns. Track every dollar your program generates in your Flute dashboard. [Learn more](https://stg-flute-staging.kinsta.cloud/contact-us-associations/) Hardware ## Hardware for every way members work [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) Portable ![hardware-portable](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-portable_webp.webp) Mounted ![hardware-mounted](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-mounted_webp.webp) Use the app ![hardware-app](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-app_webp.webp) From countertop devices to mobile readers, Flute has hardware for every way your members work. Every device ships pre-configured, easy to use, and connects to a single reporting dashboard. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) ## FAQs What is Flute’s affinity partner program, and how does it work? It’s a payment-processing partnership that lets you promote Flute as a member benefit. Your members get lower rates and better tools, and you earn recurring revenue every time they use it. How does revenue-sharing work? Flute pays you a monthly commission based on the processing volume your members generate. Earnings are tracked in a reporting dashboard and paid out on a regular schedule, so you have a clear, predictable picture of what the program brings in. How much can my members save by switching to Flute? Members who switch to Flute through an association program typically pay lower rates. Exact savings depend on each member’s volume and card mix, but the rates your members access are negotiated at the association level, giving them buying power they wouldn’t have on their own. What payment solutions do members get access to? Members get access to Flute’s full suite of payment tools, including in-person devices, mobile card readers, online payments, invoicing, recurring billing, and Level 2 and Level 3 processing for B2B transactions. Everything runs through a single account and dashboard. How else will your team support our association? Flute provides a dedicated relationship manager, co-branded marketing materials, a custom landing page, member communication templates, and support for trade shows and member education. Your members also get direct access to our U.S.-based support team any time they need help. ## Give members a benefit that saves (and pays) Flute’s affinity partner program turns payment processing into a benefit your members use every day, and a revenue stream your association can count on. Partner with Flute and put both to work. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us-associations/) --- ### [ISO](https://stg-flute-staging.kinsta.cloud/partnerships/agent-iso/) **Published:** May 27, 2026 **Author:** Nerraj Thakur **Content:** # An ISO partnership built for growth Grow your merchant portfolio with Flute’s modern payment solutions. Our merchant services partner program gives you the tools, technology, and support you need to onboard merchants quickly, manage client relationships, and build recurring revenue. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us-agent-iso/) ![Business](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/business-people-1_webp.webp) ## Why ISOs choose Flute. - ## Flexible payments - ## Competitive residual splits - ## Fast onboarding - ## Hands-on support “Partnering with Flute gives Scalyx.ai merchants the payment infrastructure their business needs in one place. Removing that operational complexity means jewelers can focus on their customers and their margins — and we see this as a foundation for where AI-driven retail is headed." ![Takeshi-Scalyx](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Takeshi-Hirota-Scalyx_webp-150x150.webp) [ Takeshi Hirota ](https://www.scalyx.ai/) CEO, Scalyx.ai An agent partner program built to grow your book. Flute's ISO partnership gives your office the payment flexibility, competitive residuals, and support to win accounts and keep them. Get merchants live fast and have a real team behind you when it matters. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards-v1.svg)## [Flexible payments](https://stg-flute-staging.kinsta.cloud/products/payment-processing/) Merchants can accept any type of payment, anywhere they do business, with our flexible payment solutions. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/table-columns-split.svg)## Competitive residual splits Earn residuals on every merchant you onboard, with a straightforward split structure that rewards you for growing your book. ![arrow-up](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/banknote-arrow-up.svg)## [Fast onboarding](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) Onboard and underwrite merchants quickly through your Flute dashboard, so they can start selling (and you can start earning). ![chevrnos](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/chevrons-down.svg)## Hands-on support You’re fully supported by a dedicated relationship manager and a U.S.-based team available whenever you need them. ## Earn more on every account Flute’s residual structure is built around transparency, not fine print. No surprise fee changes, no opaque splits. See exactly what you’re earning, how it’s calculated, and when it arrives. [Learn more](https://stg-flute-staging.kinsta.cloud/contact-us-agent-iso/) Hardware ## Hardware for every merchant setup [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) Portable ![hardware-portable](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-portable_webp.webp) Mounted ![hardware-mounted](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-mounted_webp.webp) Use the app ![hardware-app](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-app_webp.webp) Give merchants the hardware they need: countertop devices, mobile card readers, all through Flute. Every device is pre-certified and ready to deploy out of the box with no additional configuration required. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) ## FAQs How does Flute’s ISO partnership work? Flute’s merchant services partner program gives independent sales organizations access to a full payment processing platform, dedicated relationship management, merchant onboarding support, hardware sourcing, and transparent residual reporting. Flute supports a wide range of business types and payment solutions, so you can match the right setup to each merchant’s needs. How are residuals calculated, and how do we get paid? Monthly residuals are calculated based on your merchant portfolio’s total processing volume. Flute’s reporting gives you a breakdown of how each merchant’s activity contributes to your earnings. Can we migrate our existing merchant book to Flute? Yes. Flute’s onboarding team will work with you to migrate existing merchant portfolios. We support a broad range of business types and risk profiles through our processor network. Reach out to discuss the migration process and timeline for your specific book. How quickly can I onboard new merchants to your platform? Once your ISO partnership agreement is executed, your office can typically start onboarding merchants within 5 to 7 business days. Flute’s automated underwriting systems support same-day activation for many qualified merchants, so you can start generating residuals fast. How do we get help when we need it? You get a real person, a fast response, and a team that already knows your account. Every Flute ISO partner gets a dedicated relationship manager as their primary point of contact. For technical issues, Flute’s U.S.-based support team is available during business hours. ## Build the book you’ve been working toward Competitive residuals, flexible payment solutions, and hands-on support from a team that knows how your business operates. Flute is built for ISOs who are serious about growth. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us-agent-iso/) --- ### [ISVs-SaaS Partners](https://stg-flute-staging.kinsta.cloud/partnerships/saas-software-isv/) **Published:** May 25, 2026 **Author:** Nerraj Thakur **Content:** # Embedded payments that pay you back You built the platform. Now make it earn. Flute’s embedded payments infrastructure lets you add a revenue line, activate merchants faster, and deliver real-time experiences — without rebuilding your roadmap or becoming a payments company. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us-saas-isv/) ![isvs-pricing-banner](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/isvs-saas-pricing.webp) ## Why software companies choose Flute. - ## Real revenue, modeled upfront - ## Live in days, not months - ## Customize the SaaS experience - ## Onboarding without the friction “BusinessMind for Jewelers is a cloud-based point-of-sale system purpose-built for jewelry retailers. It streamlines operations with integrated inventory management, CRM, and POS, all designed for multi-store environments. Adding Flute gives our customers a fully integrated solution that keeps everything in one place.” ![Raffi-Minassian](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Raffi-Minassian-150x150.jpeg) Raffi Minassian President, DCIT / BusinessMind Built for software companies ready to move. You get the revenue model, the developer tools, and the infrastructure to launch fast. No need to rebuild your stack or staff a payments team. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards-v1.svg)## [Real revenue, modeled upfront](https://stg-flute-staging.kinsta.cloud/products/embedded-payments/) See your revenue potential before you commit. We model your earnings across pricing options so you start with the one that fits — and stays profitable as you grow ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/table-columns-split.svg)## [Live in days, not months](https://developer.flute.com/api-reference) Go from API key to live transaction in days, not months. Our developer tools and step-by-step guides do the heavy lifting, backed by a team that’s done it hundreds of times. ![arrow-up](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/banknote-arrow-up.svg)## Customize the SaaS experience You decide which events matter and where they show up in your UI. We handle the webhook infrastructure that makes them work. ![chevrnos](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/chevrons-down.svg)## Onboarding without the friction One digital application covers credit and ACH underwriting, with built-in account validation. Merchants never leave your funnel, and most are approved automatically. ## Revenue you can model before you commit Most payment providers hand you a rate sheet. We hand you a revenue forecast. Before you go live, we model your earnings across pricing options, so you see what you’ll make — not just what you’ll pay. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) Seamless integration ## Built for the way your team works now Your developers (and AI agents) get a clear path from API key to live transaction. Hosted components keep PCI compliance off your servers, and ready-made guides cut weeks of integration work down to days, all while maintaining a consistent product experience. [Learn more](https://developer.flute.com) ![Code-Ai](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/CodewithAI_1-1.svg) ## FAQs How does Flute’s revenue model work? You earn a share of every transaction your merchants run on your platform — and the more volume your platform processes, the more you earn. Before launch, we model your earnings across pricing structures, so you can start with the one that best fits your merchant mix. After launch, detailed monthly payout reports break down every transaction to show you exactly what you’ve earned and why. What does the integration experience actually look like? Flute is built for the way your team works now, including AI-assisted development. MCP server, CLI, and OpenAPI spec are all included. Your developers get a structured path from credential bootstrap to first payment, with tools and guides that cut weeks down to days. Credentials provision instantly through the partner portal, and you get a sandbox environment plus direct access to our engineering team to keep blockers short. SaaS partners do a final validation test to certify in our sandbox. What does post-launch support look like? Every SaaS partner gets a named solutions engineer and Partner Manager from day one, and they stay with you after launch. U.S.-based technical support is available anytime, with Slack access for escalations. Quarterly growth reviews identify new revenue opportunities as your platform scales, so the relationship is built around how your program performs — not just uptime. How fast can we go from API key to live merchants? API credentials are provisioned instantly through the partner portal — no waiting. From there, our guides walk your team through setup and first payment. Most partners complete sandbox testing, certification, and their first live transaction in 10 to 20 business days. Fast activation reduces drop-off during onboarding and gets your revenue share running sooner. Who owns underwriting, compliance, and risk? Flute owns underwriting, PCI compliance, and risk management end to end. Tokenization, hosted fields, and SAQ-A compliant components keep card data entirely off your servers. Your platform gets the economics and the experience of embedded payments without taking on the compliance burden of becoming a payments company. ## Ready to build your payments program? We’ll show you the revenue forecast before you commit, get your team live in days, and stay with you after launch. See what your platform could earn. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us-saas-isv/) --- ### [Fitness & Training](https://stg-flute-staging.kinsta.cloud/industry/fitness-training/) **Published:** May 15, 2026 **Author:** Nerraj Thakur **Content:** ![recurring](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/recurring-billing-banner.webp) Fitness and training # A hard-working POS system for gym owners [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) Why fitness and training businesses choose Flute. In your gym, classes start on schedule, sessions end on time, and members need to check in and out quickly. Flute keeps your front desk moving at the same pace as the rest of your gym. - ## Billing that runs itself - ## Fast checkout for busy gyms - ## Mobile payments for training - ## All revenue in one dashboard “Partnering with Flute has been a wonderful experience. Everyone at Flute has been fabulous to work with — we appreciate the responsiveness and continued support we receive from the entire Flute team.” ![Allyson Thut](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/allyson-thut_webp-150x150.webp) [ Allyson Thut ](https://www.linkedin.com/in/allyson-thut-aba52812/) Director of Partner Development, Rectangle Health Why Flute’s gym payment processing works. Flute's fitness POS system handles everything from membership billing to front desk checkout to payments for private training sessions. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards-v1.svg)## [Recurring billing that runs itself](https://stg-flute-staging.kinsta.cloud/products/recurring-billing/) Set up recurring gym membership billing that runs each month automatically, without any manual invoicing or chasing down expired cards. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/table-columns-split.svg)## [Fast checkout for busy gyms](https://stg-flute-staging.kinsta.cloud/products/payment-processing/) Flute lets you accept cards, contactless payments, and mobile wallets, so no one's held up at the front desk. ![arrow-up](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/banknote-arrow-up.svg)## [Mobile payments for private training sessions](https://stg-flute-staging.kinsta.cloud/products/mobile-payments/) Personal trainers who travel to clients or run outdoor sessions can accept payments right where they are. ![chevrnos](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/chevrons-down.svg)## [All revenue in one dashboard](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) Membership fees, drop-in visits, merchandise, and personal training sessions all show up in one convenient dashboard. Pricing ## Transparent pricing for gym payment processing Flute’s pricing is straightforward and scales with your volume. What you see is what you pay, whether you’re processing 50 transactions a month or 500. It’s a modern payments experience priced for growing businesses like yours. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) Hardware ## Hardware built for busy fitness businesses [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) Portable ![Portable](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/03/portable.webp) Mounted ![Industry Mounted](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/industry-mounted-1024x987.png) Use the app ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/industry-app-1024x987.png) Flute's hardware handles high traffic without slowing down. It’s compact, reliable, and simple enough that training your staff to use it takes minutes, not days. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) ## FAQs What's the best POS system for gyms and fitness studios? The best POS system for a fitness center is one that can easily handle [membership billing](https://stg-flute-staging.kinsta.cloud/products/invoicing/), fast checkout, and mobile payments within a single platform. Flute has all these capabilities and a U.S.-based support team to answer questions and troubleshoot issues. Can I set up recurring membership billing for my gym? Yes. Flute supports gym membership billing software that charges members automatically on a set schedule. You can configure monthly, quarterly, or custom billing cycles, and Flute handles the rest. Can personal trainers accept mobile payments on the go with Flute? Yes. Flute’s [mobile reader](https://stg-flute-staging.kinsta.cloud/products/mobile-payments/) lets trainers accept card payments, contactless payments, and mobile wallets from anywhere. It’s a straightforward option for trainers who don’t work from a fixed location. Do you offer gym and fitness merchant services? Yes. Flute offers fitness merchant services that include payment processing, POS hardware, recurring billing, and dedicated support. How much does payment processing cost for a gym or studio? Less than you might think. Flute offers competitive, transparent pricing with no hidden fees, and rates that make sense for studios at any stage. Get in touch, and we’ll find the right fit for your volume. ## Keep your gym moving with Flute Automated billing, fast checkout, and payments that work as hard as your members do. Join fitness businesses across the country running on Flute. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Spas](https://stg-flute-staging.kinsta.cloud/industry/spas/) **Published:** May 14, 2026 **Author:** Nerraj Thakur **Content:** ![spa-home-banner](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/spa-home-banner-1500x1000.webp) Spas # The spa POS system you can rely on [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) Why spa owners choose Flute. Collect deposits at booking, automate membership charges, and check out clients in seconds. Flute gives you a polished payment experience that holds up to the standard you set everywhere else on your spa floor. - ## Simple billing options - ## Seamless spa payments - ## More revenue with lower fees - ## All your revenue, one dashboard “From day one, it didn’t feel like a vendor–client relationship — it was a true partnership. Flute listens, adapts, and builds solutions tailored to our needs, pulling everything together as an all‑in‑one platform.” ![donbregin](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/donbregin_webp-150x150.webp) [ Don Bregin ](https://www.linkedin.com/in/donbregin/) Managing Partner, ETA Certified Payments Professional Tru Payments Spa payment processing, simplified. Automate billing, accept any form of payment, move clients through checkout quickly, and keep tabs on every transaction from one dashboard. Flute’s payment processing capabilities are just right for the busy spa environment. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards-v1.svg)## [Simple billing options](https://stg-flute-staging.kinsta.cloud/products/recurring-billing/) Automate spa membership billing, set up prepaid packages, and collect deposits at booking. Configure it once, and billing takes care of itself. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/table-columns-split.svg)## [Seamless spa payments](https://stg-flute-staging.kinsta.cloud/products/payment-processing/) Credit cards, debit cards, contactless payments, digital wallets, and payment links. Flute's checkout is quick and unobtrusive, so the transition from treatment room to front desk never disrupts the relaxed atmosphere you've worked to create. ![arrow-up](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/banknote-arrow-up.svg)## [More revenue with lower fees](https://stg-flute-staging.kinsta.cloud/products/dual-pricing-surcharging/) Flute was built to power growing businesses. Instead of overpriced systems with complicated fees, you get reliable technology at transparent rates. ![chevrnos](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/chevrons-down.svg)## [All your revenue, one dashboard](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) Every payment, membership, and package sale shows up in one place, so closing out at the end of the day takes minutes. Pricing ## Keep more of your revenue Flute offers transparent, affordable payment processing, so you always know what you’re paying per transaction. Straightforward pricing means you’ll keep more of what you earn, with no surprise fees or costs [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) Hardware ## Professional hardware that fits your salon [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) Portable ![hardware-portable](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-portable_webp.webp) Mounted ![hardware-mounted](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-mounted_webp.webp) Use the app ![hardware-app](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-app_webp.webp) Flute’s modern payment hardware is easy to set up and even easier to use. Keep checkout moving quickly with our countertop devices, or take payments anywhere in the salon with our reliable mobile readers. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) ## FAQs Does Flute handle spa credit card processing? Yes. Flute supports spa credit card processing for all major cards, including Visa, Mastercard, American Express, and Discover, as well as contactless and mobile wallet payments. Take payments in person, online, or over the phone. How do spas accept mobile payments? Flute’s hardware accepts Apple Pay, Google Pay, and [all major contactless payment methods](https://stg-flute-staging.kinsta.cloud/products/mobile-payments/) out of the box. Clients tap their phone or card, and the transaction processes in seconds, keeping the checkout experience smooth and quick. What does spa payment processing cost? Pricing is based on your transaction volume and payment mix. Flute offers low, transparent rates with no hidden fees, so you can forecast your processing costs without surprises. Reach out for a quote tailored to your business. What do I need to start? Most spas start with a countertop device at the front desk. If you take payments in treatment rooms or want a mobile option, a handheld reader is a simple addition. Flute will help you figure out the right setup for your space and volume. Can spas automate spa membership billing? Yes. Flute supports [recurring billing](https://stg-flute-staging.kinsta.cloud/products/recurring-billing/) so you can automate monthly membership charges, prepaid packages, and any other ongoing billing your spa requires. Once a client is enrolled, charges run automatically without any manual steps from your team. ## Your front desk deserves better tools Our tools make it easy to collect deposits, manage memberships, and check out clients. Keep your spa experiences front and center with Flute. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Nail Salons](https://stg-flute-staging.kinsta.cloud/industry/nail-salons/) **Published:** May 14, 2026 **Author:** Nerraj Thakur **Content:** ![nail-salons-home-banner](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/nail-salons-home-banner_webp-1500x1000.webp) Nail salons # Nail salon payments for back-to-back bookings [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) Why nail salons choose Flute. Take deposits, process payments anywhere, and manage recurring memberships with Flute — all at straightforward rates that work for a growing salon. - ## Flexible payment options - ## Pricing built for nail salons - ## Appointment deposits - ## Split payment and group bookings “From day one, it didn’t feel like a vendor–client relationship — it was a true partnership. Flute listens, adapts, and builds solutions tailored to our needs, pulling everything together as an all‑in‑one platform.” ![donbregin](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/donbregin_webp-150x150.webp) [ Don Bregin ](https://www.linkedin.com/in/donbregin/) Managing Partner, ETA Certified Payments Professional Tru Payments Payment tools that work harder. Our nail salon payment tools give you all the functionality you need without inflated pricing. Handle deposits, memberships, quick checkouts, and group bookings, all with the same easy-to-use payment hardware. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards-v1.svg)## [Flexible payment options](https://stg-flute-staging.kinsta.cloud/products/payment-processing/) Accept credit and debit cards, digital wallets, and contactless payments at the front desk or right at the nail station. Set up recurring billing for monthly nail memberships or prepaid service packages and let Flute handle the charges automatically. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/table-columns-split.svg)## [Pricing built for nail salons](https://stg-flute-staging.kinsta.cloud/products/dual-pricing-surcharging/) Flute’s transparent pricing keeps rates low and fees predictable, so you can keep more revenue from every appointment. ![arrow-up](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/banknote-arrow-up.svg)## [Appointment deposits](https://stg-flute-staging.kinsta.cloud/products/invoicing/) Require a deposit at booking and send a payment link so clients can pay before they arrive. Fewer no-shows, less revenue lost. ![chevrnos](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/chevrons-down.svg)## [Split payment and group bookings](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) Split a bill between friends and process separate cards for an entire group without holding up the checkout line. Pricing ## Nail salon payment processing, priced right Transparent pricing, lower rates, and faster access to your funds. Get everything your nail salon needs to take faster payments and keep more of what you earn. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) Hardware ## Modern tools for a professional checkout [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) Portable ![hardware-portable](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-portable_webp.webp) Mounted ![hardware-mounted](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-mounted_webp.webp) Use the app ![hardware-app](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-app_webp.webp) Flute's hardware delivers a modern, seamless payment experience for you and your clients. It automatically prompts for tips, accepts contactless payments, and keeps all transactions in a single, easy-to-navigate reporting dashboard. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) ## FAQs Do you offer a POS system for nail salons? Yes. Flute’s nail salon POS system handles deposits, memberships, contactless payments, and split billing from one platform. Get started in minutes with no complicated setup. What hardware does a nail salon need to accept credit cards? Most salons start with a countertop device at the front desk and a mobile reader for chair-side payments, pop-ups, or home visits. Our team will help you figure out the right setup for your space and work with you to get everything running smoothly. How can nail salons reduce payment processing fees? Flute delivers low-cost payment processing for nail salons with flat rates, [zero-cost processing options](https://stg-flute-staging.kinsta.cloud/products/dual-pricing-surcharging/), and no hidden fees, so you always know what you’re paying for. Does Flute support deposits or prepayments for appointments? Yes. Our tools allow you to require a deposit at booking or even send payment links so clients can pay ahead of their appointment. It’s one of the most effective ways to reduce no-shows and protect your schedule. Do you offer contactless and mobile wallet payments? Yes. Flute accepts Apple Pay, Google Pay, and all major contactless cards. Clients can tap and go in seconds, [keeping your checkout moving](https://stg-flute-staging.kinsta.cloud/products/mobile-payments/) and your appointments on schedule. ## A better payment experience with Flute Faster checkouts, fewer no-shows, and a payment setup your whole team can use. Get started today and run a smoother, more profitable nail salon. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Beauty Salons](https://stg-flute-staging.kinsta.cloud/industry/beauty-salons/) **Published:** May 13, 2026 **Author:** Nerraj Thakur **Content:** ![beauty-salon-home-banner](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/salon_hero_banner_cp-1500x1000.webp) Beauty Salons # A beauty salon POS system built for busy days [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) Why beauty salons choose Flute. With Flute, paying for beauty salon services is fast and easy. Clients remember great service, not the hassle of trying to pay and get out the door. - ## Deposits that reduce no-shows - ## Tip-friendly, contactless checkout - ## Recurring billing for memberships - ## Every payment in one place “Partnering with Flute has been a wonderful experience. Everyone at Flute has been fabulous to work with — we appreciate the responsiveness and continued support we receive from the entire Flute team.” ![Allyson Thut](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/allyson-thut_webp-150x150.webp) [ Allyson Thut ](https://www.linkedin.com/in/allyson-thut-aba52812/) Director of Partner Development, Rectangle Health Beauty salon payment solutions that fit your business. Flute’s payment processing solutions are fast and easy to use, whether you’re ringing up a quick cut or taking a deposit for a future appointment. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards-v1.svg)## [Deposits that reduce no-shows](https://stg-flute-staging.kinsta.cloud/products/invoicing/) Need a deposit? Prepayment options reduce no-shows and friction at your front desk. Send payment links to customers and get paid in minutes. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/table-columns-split.svg)## [Tip-friendly, contactless checkout](https://stg-flute-staging.kinsta.cloud/products/payment-processing/) Flute's hardware accepts contactless payments, including Apple Pay and Google Pay, so clients can quickly tap and be on their way (and even add a tip for great service). ![arrow-up](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/banknote-arrow-up.svg)## [Recurring billing for memberships](https://stg-flute-staging.kinsta.cloud/products/recurring-billing/) Flute simplifies recurring billing for services like blowout memberships or prepaid treatment packages. That way, you're not chasing down payments every time clients come in. ![chevrnos](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/chevrons-down.svg)## [Every payment in one place](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) Track everything in the Flute dashboard, from prepaid packages and product upsells at checkout to services paid at the chair. Pricing ## Simple pricing for salon credit card processing With Flute, what you see is what you pay, with transparent rates, lower fees, and faster access to funds. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) Hardware ## Hardware that keeps up with your salon [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) Portable ![hardware-portable](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-portable_webp.webp) Mounted ![hardware-mounted](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-mounted_webp.webp) Use the app ![hardware-app](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hardware-app_webp.webp) Flute's hardware is simple to use. Everyone gets the same great experience, whether your receptionist is taking a payment at the front desk or your stylist is using a mobile reader at the chair. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) ## FAQs What's the best POS system for a beauty salon? The best POS system is one that can keep up with your business in an industry where no two days are the same. Your payment system should flex as your business grows and offer support whenever you need it. Can salons offer recurring billing for memberships with Flute? Yes. Flute supports recurring billing so you can set up monthly memberships, prepaid service packages, or any ongoing plan that works for your clients. Once configured, billing runs automatically. What payment options should a salon offer clients? At a minimum, salons should accept credit and debit cards, contactless payments like Apple Pay and Google Pay, and allow clients to pay deposits or balances online. Flute covers all of these out of the box. How much does payment processing cost for a hair salon? Costs vary based on your sales volume and how clients pay. Flute offers transparent, predictable pricing with no hidden fees, so you [always know what you’re paying for](https://stg-flute-staging.kinsta.cloud/products/dual-pricing-surcharging/) Does Flute support deposits or prepayments for appointments? Yes. You can require a deposit at booking and send a payment link so clients can pay in advance. It’s one of the most effective ways to reduce last-minute cancellations and protect your schedule. ## Growing salons count on Flute Faster checkouts with fewer headaches. Join other salon owners who use Flute to simplify payments and grow their businesses faster. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Fraud prevention & security](https://stg-flute-staging.kinsta.cloud/products/fraud-prevention-security/) **Published:** May 18, 2026 **Author:** Nerraj Thakur **Content:** Fraud prevention & security# Payment fraud prevention without the complexity Protect your business from fraudulent transactions and data breaches with Flute. Secure payment processing, BIN protection, tokenization, and PCI compliance all come built into the platform so your team can focus on running the business, not managing your security stack. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) ![fraud-protection-banner](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/fraud-protection-banner-webp.webp) Every business transaction is a potential target. Fraud doesn’t just cost money in the moment; it costs time and customer trust. Flute’s fraud prevention tools analyze every transaction for risk, while BIN protection and network tokenization help reduce your fraud exposure before a transaction ever runs. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards.svg) ### PCI compliance, simplified Automate cardholder data security with Flute’s PCI-compliant payment solutions. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/invoice_spliting.svg) ### Protection across channels Fraud monitoring and verification apply to every transaction, in-person, online, and embedded. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-next-day-payout.svg) ### Chargeback prevention Fewer fraudulent transactions mean fewer chargebacks down the line, with BIN protection and network tokenization built in. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/shield-check.svg) ### 24/7 support Get quick answers on PCI compliance, fraud alerts, and more from our U.S.-based experts. “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](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/rainier-cendana-8w_webp-150x150.webp) [ Rainier Cendaña ](https://www.linkedin.com/in/rainier-cenda%C3%B1a-8850bb175/) President & CEO, Vitreous Alliance Protection built into every transaction Fraud protection should be built in, not bolted on. Flute’s payment fraud prevention tools are embedded directly into our platform. BIN protection routes transactions correctly and minimizes fraud exposure, while tokenization replaces sensitive card data with unique tokens, so real card numbers are never stored or transmitted. Together, these layers protect your business and your customers without adding steps to the checkout process. ## BIN protection BIN protection analyzes every transaction’s Bank Identification Number to verify routing and flag cards with elevated fraud risk. ## [ Customer vaulting ](https://stg-flute-staging.kinsta.cloud/products/network-tokenization/) Store customer payment data securely, so repeat transactions are faster and sensitive card information is never exposed. ## [ Tokenization and encryption ](https://stg-flute-staging.kinsta.cloud/products/network-tokenization/) Sensitive card data is replaced with a unique token at the point of capture and never stored in its raw form, reducing your risk of exposure. ## PCI compliance Flute’s platform is built to keep your business PCI-compliant, so you can stay compliant without having to manage it yourself. ## Security that fitsyour setup ### Works across all channels Payment devices, e-commerce checkouts, and API integrations all benefit from the same fraud-monitoring, tokenization, and PCI-compliant framework. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/payment-processing/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/white-graphic.svg) ### Built for developers, too Flute’s embedded fraud prevention integrates via APIs and SDKs, so software platforms can offer built-in security to users without separate vendor relationships or development overhead. [ Learn more ](https://stg-flute-staging.kinsta.cloud/partnerships/saas-software-isv/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-content.svg) Flexible security packages ## Security scaled to your business Flute’s security packages range from foundational PCI compliance to advanced fraud detection and network tokenization. Each tier is built around your specific risk level. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) ## FAQs Which fraud prevention tools are included? Flute’s payment security solutions include BIN protection, fraud monitoring, network tokenization, encryption, EMV support and PCI compliance tools. Options range from basic compliance coverage to comprehensive fraud detection, depending on your business needs. Does Flute catch online fraud? Yes. Flute’s online fraud prevention and in-person security tools apply the same fraud monitoring and verification across all transaction types. Whether a customer pays through your website, an app, or an embedded checkout, every transaction runs through the same protection layer. How does customer vaulting keep payment data secure? Flute’s customer vault stores payment information in an encrypted, PCI-compliant environment so sensitive card data doesn’t have to live in your systems. Once a customer’s details are vaulted, repeat transactions are faster and more secure — no re-entry required. How do network tokenization and encryption work? Network tokenization replaces sensitive card data with a unique token at the point of capture, so real card numbers are never stored or transmitted through your system. Encryption protects data in transit. Together, these are the two most effective tools for reducing your breach exposure and simplifying PCI compliance. Does this work for SaaS platforms? Yes. Flute’s embedded fraud prevention integrates with [software platforms](https://stg-flute-staging.kinsta.cloud/partnerships/saas-software-isv/ "ISVs-SaaS Partners") via API. Your users get built-in security measures, PCI-compliant payment solutions, and fraud monitoring without you needing to build or manage them separately. Everything runs through the same platform. ## Fraud protection on every transaction starts here Get the protection you need without the complexity. Talk to our team and find out which of our advanced security solutions fit your setup. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Network tokenization](https://stg-flute-staging.kinsta.cloud/products/network-tokenization/) **Published:** May 17, 2026 **Author:** Nerraj Thakur **Content:** Network tokenization# Network tokenization that pays for itself Flute’s network tokenization reduces fraud, cuts declined payments, and lowers your processing costs. It’s the safest way to process transactions and protect your customers and your business. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) ![network-tokeniztion-header](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/network-tokeniztion-header.png) Better security usually means more friction. Network tokenization is the exception. Flute’s network tokenization runs in the background to keep your business safe and reduce interchange rates. There’s no development work, no checkout changes, and no disruption to your customers. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards.svg) ### 30% less fraud exposure Network tokens change after each use, making them nearly impossible to compromise. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/invoice_spliting.svg) ### Fewer declines Network tokens are issued by the major card brands, resulting in nearly 5% higher authorization rates. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-next-day-payout.svg) ### Subscriptions that don’t break Tokens update automatically when a card is replaced, expired, or reported lost. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/shield-check.svg) ### Lower interchange rates Tokenization can reduce interchange rates by up to 10 basis points on qualifying transactions. “Partnering with Flute has been a wonderful experience. Everyone at Flute has been fabulous to work with — we appreciate the responsiveness and continued support we receive from the entire Flute team.” ![Allyson Thut](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/allyson-thut_webp-150x150.webp) [ Allyson Thut ](https://www.linkedin.com/in/allyson-thut-aba52812/) Director of Partner Development, Rectangle Health Effortless security Stronger security, higher approval rates, and lower costs from day one. Network tokens are generated by card networks and change dynamically after each transaction. That means if a token is intercepted, it’s already useless. ## [ Recurring payments ](https://stg-flute-staging.kinsta.cloud/products/recurring-billing/) Stored tokens update automatically after a card is reissued, keeping recurring billing cycles uninterrupted and cash flow consistent. ## Saved payment methods Give customers a faster, one-click checkout experience without exposing their actual card data. ## [ Tokenized payment processing ](https://stg-flute-staging.kinsta.cloud/products/payment-processing/) Using network-issued tokens instead of raw card numbers reduces your PCI compliance scope. ## Higher authorization rates Card issuers recognize network tokens as more secure, leading to higher approval rates and lower interchange costs. ## Security with abusiness case ### No implementation headaches Network tokens replace actual card data in your environment, reducing the amount of sensitive information you have to handle. That means a lighter PCI compliance burden and lower costs. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/fraud-prevention-security/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/white-graphic.svg) ### Reduced PCI compliance scope Flute’s network tokenization runs in the background from day one, so customers can continue entering payment information exactly as they always have. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/fraud-prevention-security/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-content.svg) Simple, transparent pricing ## Security that earns its keep Network tokenization pays for itself through better authorization rates, fewer fraud-related chargebacks, and lower interchange rates on qualifying transactions. Talk to our team to see what that looks like for your business. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) ## FAQs What is network tokenization, and how does it work? Network tokenization replaces sensitive card numbers with dynamic tokens generated directly by card networks like Visa and Mastercard. Unlike static tokens created by merchants or processors, network tokens change after each use and update automatically when a card is replaced. This makes them more secure and eliminates payment failures caused by expired or reissued cards. How are network tokens different from standard encryption? Standard payment encryption protects card data while it moves between systems, but the actual card number remains unchanged. Network tokens replace that number with a substitute value issued by the card networks themselves, so if it’s ever exposed, it has no usable value outside of the original transaction. Can network tokenization help lower processing costs? Yes. Network tokenization can lower interchange rates on qualifying transactions. Visa’s network tokens, for example, can reduce interchange by up to 10 basis points. Combined with [fewer fraud-related chargebacks](https://stg-flute-staging.kinsta.cloud/products/fraud-prevention-security/) and higher authorization rates, the savings add up quickly — especially at scale. Is network tokenization required for recurring billing? It’s not required, but it’s the most reliable way to [handle recurring billing](https://stg-flute-staging.kinsta.cloud/products/recurring-billing/). When a customer’s card is replaced or reissued, the token updates automatically, keeping stored payment information current. Without tokenization, failed charges typically require manual follow-up. How can tokenization help my business? In practice, network tokenization means better authorization rates, less fraud, lower interchange on qualifying transactions, and more reliable recurring billing. Flute’s platform runs everything automatically, with no changes to your checkout or customer experience. ## Better security, better approval rates With Flute, you get stronger fraud protection, better authorization rates, and more reliable recurring billing, all without changing how your customers pay. Get started and see the difference from your first transaction. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Instant Payouts](https://stg-flute-staging.kinsta.cloud/products/instant-payouts/) **Published:** May 17, 2026 **Author:** Nerraj Thakur **Content:** Instant payouts# Instant payouts. Your revenue, right now. Stop waiting days for money you’ve already earned. Access up to $10,000 from your completed card sales in seconds. It’s available any time, any day, including weekends and holidays — right from your Flute dashboard. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) ![invoicing](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/stylistic-invoicing-webp.webp) Access your sales today. Flute’s instant payout solution puts up to $10,000 from your daily card sales into your account in seconds, with a flat 1.5% fee shown upfront before you confirm. No loans, no credit checks, no subscriptions. Pay only when you use it. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards.svg) ### Up to $10,000 in seconds Transfer up to $10,000 from your completed card sales in seconds, not business days, any time you need it. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/invoice_spliting.svg) ### Available 365 days a year Flute’s instant payouts are available every day, so you have full control of when you access your funds. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-next-day-payout.svg) ### Pay only when you use it You pay a flat 1.5% fee on the transfer amount whenever you use it. That’s it, no hidden fees. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/shield-check.svg) ### Built into your Flute dashboard See your payouts in the same dashboard you use to manage payments, reporting, and everything else. "We share a similar mindset of software-enabled distribution embedded payments, really making a fundamental difference in how merchants and software companies run their business." ![keithraphael](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/keithraphael_webp-150x150.webp) [ Keith Raphael ](https://www.linkedin.com/in/keithraphael/) CoFounder & CEO, Straddle Your money, on your timeline Standard deposits follow bank schedules. Your funding needs don’t. Flute’s instant payout feature moves earned revenue to your linked debit card or bank account in seconds. Request up to $10,000 per transfer, see the exact fee before confirming, and the money’s yours. ## Emergency funds Handle unexpected expenses and keep operating without disruption. ## Stock up Access earned revenue from the day’s sales immediately and restock before the weekend rush. ## Meet payroll When payroll falls between deposit cycles, instant business payouts bridge the gap. ## Manage cash flow Instant payouts give you a flexible tool to handle cash flow gaps without borrowing anything. ## Your revenue,paid out faster ### Already yours, not borrowed With Flute’s instant payout solution, there’s no credit check, no repayment schedule, and no interest. You’re simply accessing your own revenue faster than the standard deposit timeline allows. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/white-graphic.svg) ### Access to working capital Access funding when you need it, with Flute Capital. Loans based on your sales history, not your credit score. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/working-capital/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-content.svg) Pay-per-use pricing ## One flat fee, shown upfront Flute charges a flat 1.5% on the amount transferred, which you see before confirming any instant payout request. There’s no monthly cost, subscription, or minimum usage to worry about. Pay only when you use it, and only for what you transfer. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) ## FAQs What are instant payouts for businesses? Instant payouts offer immediate access to the revenue from your completed card sales. Instead of waiting the standard two to three business days for funds to reach your bank account, transfer up to $10,000 from your daily card sales in seconds, even on weekends and holidays. Are instant payouts the same as loans or cash advances? No. Instant payouts have nothing to do with borrowing. There’s no credit check, repayment schedule, or interest. You’re just accessing your own revenue faster. The flat fee covers the cost of accelerating that delivery. What do instant payout solutions cost? Flute’s instant payout solutions cost a flat 1.5% fee on the amount you transfer. That fee appears upfront before you confirm any request, so you always know exactly what you’re paying. There are no monthly fees, no subscription costs, and no hidden charges. You only pay when you use it. How do I request an instant payout? Once enrolled, initiate an instant payout [directly from your Flute dashboard](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/).Select the amount you want to transfer (up to $10,000 per request), review the associated fee, and confirm. Flute then transfers your funds to your linked debit card or bank account. Will using Flute’s Instant Payouts affect my standard deposits? No. Your standard deposits continue on their normal schedule and are not affected. Instant payouts simply give you access to a portion of your earned revenue ahead of that standard timeline. The two run independently, so using instant payouts won’t affect when or how your regular deposits arrive. ## Get paid the day you sell Stop waiting on bank timelines for money that’s already yours. Move up to $10,000 from your completed card sales to your account in seconds, any time, any day, for a flat 1.5% fee. Enable the feature in your dashboard and take your first transfer today. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Working capital](https://stg-flute-staging.kinsta.cloud/products/working-capital/) **Published:** May 9, 2026 **Author:** Nerraj Thakur **Content:** Working capital# Working capital solutions that move fast Access funding in as little as one to two business days without the red tape of a traditional loan. Flute’s working capital loans are based on your sales history, not your credit score, so the stronger your business, the more capital you can access. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) ![banner-image](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/payment_header_webp.webp) Flute’s working capital solutions are built for the needs of growing businesses. Approvals are based on your actual sales performance rather than a lengthy application or credit review, so you can access funds in as little as one to two business days. You’ll know your total cost upfront, and repayments flex automatically with your daily revenue. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards.svg) ### Fast funding Receive funding within one to two business days of signing the agreement. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/invoice_spliting.svg) ### Sales-based approvals Flute approves funding based on revenue and processing history, not your credit score. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-next-day-payout.svg) ### Flexible repayments payments are adjusted based on your daily sales, so you pay according to your cash flow. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/shield-check.svg) ### Transparent terms Know your total payback amount before you sign anything. “Partnering with Flute has been a wonderful experience. Everyone at Flute has been fabulous to work with — we appreciate the responsiveness and continued support we receive from the entire Flute team.” ![Allyson Thut](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/allyson-thut_webp-150x150.webp) [ Allyson Thut ](https://www.linkedin.com/in/allyson-thut-aba52812/) Director of Partner Development, Rectangle Health Capital tied to your business rhythm Traditional lenders look at credit scores, but Flute looks at actual sales. Your sales history determines your offer, so your access to capital grows with your business. Pre-qualified offers are ready when you need them, with a simple process and no complex underwriting. ## Stock up before peak season Get the inventory you need before your busiest period, not after it. ## Upgrade without waiting Invest in the equipment or technology your business needs now, without waiting to free up cash. ## Hire and train now Cover hiring and training costs during peak seasons without letting payroll timing get in the way. ## Grow faster Expand to a new storefront, service area, or satellite office and repay the loan as your revenue grows. ## Funding that works like your business ### Built into your Flute dashboard Apply for and manage loans in the same dashboard you use to oversee payments, reporting, and everything else. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/white-graphic.svg) ### Know what you owe from day one Flute discloses your total cost before you commit. It’s a single fixed fee with no hidden charges or compounding interest, so what you see is what you pay. [ Learn more ](https://stg-flute-staging.kinsta.cloud/pricing/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-content.svg) Simple, transparent pricing ## Know the total cost upfront Flute’s working capital loans come with a single fixed fee that’s disclosed in full before you commit. No hidden fees, no changing rates, and no surprises on your statement. You’ll know exactly what the loan costs before you access it. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) ## FAQs How does Flute’s working capital solution work? Flute evaluates your recent sales and processing history to determine a funding offer. Once approved, funds will be transferred to your account within one to two business days. Repayments are based on your daily card sales, so the amount adjusts with your revenue. The total payback amount is disclosed upfront, so you know the full cost before you accept. Can I qualify for working capital based on my payment volume? Yes. Your eligibility is based on recent revenue and processing volume rather than your credit score. Businesses with strong, consistent sales typically qualify for larger offers. How quickly can I receive funds? Funds transfer within one to two business days. The streamlined review process evaluates eligibility quickly, so you can address cash flow needs, inventory orders, or payroll without waiting through a lengthy bank approval process. How do I repay financing through Flute? Repayment runs automatically as a percentage of your daily card sales. That means you pay more on strong days and less on slower days. There’s no fixed monthly payment, and nothing to manage on your end. Are there fees or interest associated with working capital? Flute’s working capital solutions use a fixed total payback amount rather than a traditional interest rate. The full cost of the advance is disclosed upfront before you sign. No hidden fees, no rate changes, and no fine print that changes the number later. ## Your next growth move starts here Growing businesses can’t wait weeks for funding. Flute offers you working capital that moves at the speed of your business, without the red tape. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Recurring billing](https://stg-flute-staging.kinsta.cloud/products/recurring-billing/) **Published:** May 18, 2026 **Author:** Nerraj Thakur **Content:** Recurring billing# Recurring billing that runs itself Set your billing schedule once, and Flute handles the rest. Accept recurring payments for subscriptions, memberships, and retainer agreements. Payments process automatically, and when a customer gets a new card, their billing continues uninterrupted. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) ![recurring](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/recurring-billing-banner.webp) You can’t scale manual billing processes. Set up recurring billing once and get paid on time every time, with fewer failed payments, less manual follow-up, and more predictable cash flow. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards.svg) ### All plan types Automate billing for memberships, tiered plans, usage-based charges, and flat-rate subscriptions. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/invoice_spliting.svg) ### Fewer failed payments Flute automatically updates stored card credentials using network tokenization. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-next-day-payout.svg) ### Schedule flexibility Run weekly, monthly, annual, or custom billing cycles. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/shield-check.svg) ### Full visibility Track every recurring payment across all customers and billing cycles from a single dashboard. “Taking credit card payments upfront is an important part of our process, so we need transactions handled smoothly and support available when questions come up. Flute has been a valuable partner for our organization, and the team has always been responsive and easy to work with.” ![rickszilagyi](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/rickszilagyi_webp-150x150.webp) [ Rick Szilagyi ](https://www.linkedin.com/in/rickszilagyi/) Executive Director, New England Livery Association Recurring billing that won’t break down Manual billing wastes time and creates gaps in your cash flow. With Flute’s recurring billing software, every charge runs automatically on the schedule you set. Customers authorize once, you get paid on time, and your team spends zero time chasing payments. ## Subscriptions Run tiered subscription plans and free trials on monthly, annual, or custom billing cycles. ## Memberships Membership billing through Flute runs automatically on the schedule you set. ## Recurring payments Accept recurring credit card payments for retainers, service contracts, and ongoing client agreements. ## Auto pay Give customers the option to enroll in auto pay and stop tracking down payments manually. ## Recurring billingfor every scenario ### Automatic card updates Network tokenization keeps stored payment credentials current. No more failed charges from outdated card numbers or asking customers to update their information. Recurring billing just keeps running. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/network-tokenization/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/white-graphic.svg) ### Reporting, at your fingertips Whether you charge a flat rate, scale pricing by tier, or bill based on usage, your dashboard shows you what you’ve earned and can help forecast future earnings. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-content.svg) Simple, transparent pricing ## Transparent rates that make sense Flute’s pricing is transparent with no hidden fees or surprises. Know exactly what you pay per transaction and build your subscription pricing around a number that doesn’t change without warning. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) ## FAQs How does recurring billing work? Recurring billing charges customers automatically on a set schedule using stored payment credentials. Configure the billing amount, frequency, and start date, and Flute’s automatic payment processing runs each charge on schedule without any manual steps. Customers authorize their payment method once and are automatically charged each cycle. Does Flute support billing for subscriptions and memberships? Yes. Flute’s subscription billing software supports subscriptions, membership, retainers, and any other ongoing billing model. Run flat-rate monthly plans, tiered pricing, annual billing, or custom schedules, all from the same platform. Is recurring payment processing secure and PCI compliant? Yes. Flute’s recurring payment processing platform is PCI-compliant and uses [network tokenization](https://stg-flute-staging.kinsta.cloud/products/network-tokenization/) to securely store payment credentials. Network tokens replace sensitive card numbers with dynamic values issued by card networks that update automatically when a card is replaced or expires. This protects customer data, reduces exposure to fraud, and keeps billing running without interruption. Can I offer automatic monthly billing with credit cards or ACH? Yes. Accept recurring credit card payments and [ACH transfers](https://stg-flute-staging.kinsta.cloud/products/ach-payments/) through the same platform. Credit cards are charged each cycle automatically using stored credentials. ACH payments are processed directly from a customer’s bank account at lower processing costs, making them a strong option for high-value or high-volume recurring charges. What types of businesses benefit most from recurring billing? Any business that bills customers on a regular schedule will benefit from automated recurring billing. This includes SaaS companies, membership organizations, fitness studios, service businesses with retainers, nonprofits, property managers, health care providers, and any business offering subscription boxes, maintenance plans, or ongoing services. The higher your recurring transaction volume, the more time and revenue you recover by automating it. ## Put recurring billing on autopilot Set it up once, and Flute keeps payments running on schedule. Your revenue stays consistent without the manual work, so you can focus on what you do best. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Invoicing](https://stg-flute-staging.kinsta.cloud/products/invoicing/) **Published:** May 7, 2026 **Author:** Nerraj Thakur **Content:** Invoicing# Digital invoicing that makes it easy to get paid Send professional invoices in seconds and let customers pay right away by card or ACH transfer. Flute’s online invoicing and payment processing platform tracks every invoice, so you always know what’s been paid, what’s outstanding, and what needs a follow-up. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) ![invoicing](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/stylistic-invoicing-webp.webp) Chasing unpaid invoices is a drain on your business. With Flute, send invoices with built-in payment links, collect payments the same day, and track billing status without a spreadsheet. It adds up to less manual work, faster cash flow, and a cleaner picture of where your money stands. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards.svg) ### Convenient payment links Invoices come with built-in, secure payment links, so customers can pay instantly. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/invoice_spliting.svg) ### Text or email Reach customers where they are by sending invoices with secure payment links directly to their phone or inbox. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-next-day-payout.svg) ### Accurate tracking Invoice tracking shows you exactly which invoices are paid, pending, or overdue. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/shield-check.svg) ### Repeat billing Securely store payment information for future invoices, subscriptions, or recurring charges "Our clients appreciate having options, and they really like seeing how much they save. We saved over $20,000 last year, which meant we didn't have to raise our rates. It's a win-win, and we save time, too, because there's just less back-and-forth." ![autopsy-logo](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/autopsy_logo.webp) Marcie Schultz Administrator, The Autopsy Doctor Stop waiting to get paid Most payment delays aren’t about money. They’re about friction. Flute embeds a secure payment link directly in invoices, letting customers pay however they prefer. Fewer steps between the invoice and payment mean less friction for your customers and more money in your pockets. ## Email invoice Send an invoice directly to a customer’s inbox with a secure payment link included. ## Text invoice Send a text invoice with a payment link to a customer’s phone for a faster payment experience. ## [ Recurring billing ](https://stg-flute-staging.kinsta.cloud/products/recurring-billing/) Set up automatic recurring invoices for memberships, retainers, maintenance plans, or any ongoing service. ## [ Payment flexibility ](https://stg-flute-staging.kinsta.cloud/products/payment-processing/) Let customers pay via credit cards, debit cards, and ACH transfers through a single platform. ## Invoicing that fitsyour business ### Reliable invoice tracking See when an invoice is sent, viewed, and paid, so you can follow up at the right time. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/white-graphic.svg) ### Easy repeat billing Store a customer’s information securely and use it for future invoices — no need to re-enter data or chase down payments. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/recurring-billing/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-content.svg) Simple, transparent pricing ## Invoicing that comes standard Flute’s online billing and payment solutions are built in, so invoicing, payment tracking, and reporting are included from day one. No separate subscription, tiered models, or features hiding behind paywalls. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) ## FAQs What is online invoicing and payment processing? Flute lets you create and send digital invoices with built-in payment links so customers can pay by card or ACH the moment they receive the invoice. Every invoice is tracked automatically, so you can see what’s paid, pending, or overdue without manual checks Do you support ACH invoicing? Yes. With Flute, you can accept invoice payments via [ ACH transfers](https://stg-flute-staging.kinsta.cloud/products/ach-payments/), as well as credit cards, and debit cards. Customers choose their preferred payment method at checkout, and you receive the funds through the same platform that handles your other payment types. Can I send invoices by text? Yes. Flute supports both text invoice and email invoice delivery. Each message includes a secure payment link so the customer can pay directly without logging into a portal or calling your office. It’s one of the fastest ways to get paid after completing a job or service. Can I set up recurring invoices? Yes. Flute supports recurring billing for memberships, retainers, subscriptions, and ongoing services. Store a customer’s payment information securely and let Flute handle the rest. Once everything is set up, billing runs automatically according to your schedule. How do invoices with payment links work? Each invoice Flute sends includes a secure payment link. The customer clicks to open the link, chooses their payment method, enters their details once, and the transaction is processed immediately. Each invoice’s status is updated automatically, so you can keep track of every payment from your dashboard. ## Get paid faster, with less follow-up Flute’s digital invoicing tools make it easy to send professional invoices, accept invoice payments online, and track every billing status in one place. Start using Flute and stop chasing payments. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Dashboard and Reporting](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) **Published:** May 17, 2026 **Author:** Nerraj Thakur **Content:** Dashboard and reporting# Transaction reporting you can act on Get a clear picture of how your business is performing. Flute’s payments dashboard puts your sales, deposits, working capital, and analytics in one place, so you always know where you stand and what to do next. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) ![dashboard-reporting-banner](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/dashboard-reporting-banner.png) Your payment data should work as hard as you do. Flute’s merchant reporting dashboard brings every transaction, payout, and sales trend together in one clean view. Close out the day, reconcile a deposit, access funding, or spot a slow week in just minutes. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards.svg) ### Unified dashboard See all your sales, customer trends, and payment details in one place. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/invoice_spliting.svg) ### Simplified bookkeeping Balance your books quickly and painlessly with itemized transactions, deposits, and fees. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-next-day-payout.svg) ### Capital when you need it Take out a loan or access your funds before your usual settlement — all through your Flute dashboard. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/shield-check.svg) ### Centralized management Manage all your payments, from in-person to online, from a single dashboard. “Partnering with Flute gives Scalyx.ai merchants the payment infrastructure their business needs in one place. Removing that operational complexity means jewelers can focus on their customers and their margins — and we see this as a foundation for where AI-driven retail is headed." ![Takeshi-Scalyx](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Takeshi-Hirota-Scalyx_webp-150x150.webp) [ Takeshi Hirota ](https://www.scalyx.ai/) CEO, Scalyx.ai Act fast with embedded finance Cash flow tools shouldn't live somewhere else. Flute’s working capital and instant payouts are part of your dashboard, so you can access funding, initiate a payout, and monitor your cash position alongside everything else, without switching platforms or waiting on a bank. ## Daily sales reporting Track revenue by day, week, or custom date ranges to spot trends without manually cross-referencing a bank statement. ## [ Funding on your time ](https://stg-flute-staging.kinsta.cloud/products/instant-payouts/) Access earned revenue on your time, including weekends and holidays, with instant payouts. ## Transaction reporting Drill down into any transaction to see payment method, amount, fees, and status. ## Export and share Download any report as a CSV and hand it off to your accountant, bookkeeper, or operations team. ## Your data, your way ### Access to working capital Access funding when you need it, with Flute Capital. Loans based on your sales history, not your credit score. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/working-capital/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/white-graphic.svg) ### Get paid instantly Stop waiting days for money you’ve already earned. Access up to $10,000 from your completed card sales in seconds. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/instant-payouts/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-content.svg) Simple, transparent pricing ## Reporting included, no add-ons Payment analytics and transaction reporting are included from day one, with no features locked behind an upgrade or paywall. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) ## FAQs How often does my data update? Data updates every two hours. The dashboard shows a “last updated” timestamp, so you always know how up-to-date the numbers are. Can I access working capital or instant payouts through my dashboard? Yes. Flute’s dashboard includes embedded finance tools that give you two ways to manage cash flow without leaving the platform. Instant payouts let you access earned revenue on your schedule, including weekends and holidays. [Working capital loans](https://stg-flute-staging.kinsta.cloud/products/working-capital/) give you access to funds when your business needs it most, with no separate application required. Can I export reports for accounting? Yes. Export transaction reports to CSV and filter settlement reports by date range to verify deposits and batch details. The exports are formatted to work directly with most accounting tools. Can I customize my payment reports? Yes. You can filter reports by date range, transaction type, payment method, and amount. Flute’s payment reporting tools give you the flexibility to pull exactly the view you need. Does reporting cover all payment channels? Yes. [In-person](https://stg-flute-staging.kinsta.cloud/products/in-person-payments/), online, and mobile payments all appear in the same dashboard. Flute’s payment reconciliation and transaction reporting tools give you a unified view regardless of where or how the payment was taken. ## Better decisions start with better data Flute gives you a clear view of every transaction, payout, and sales trend, with no setup or manual data entry required. Access capital on your terms and start putting your payment data to work. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Level 2 & 3 Processing](https://stg-flute-staging.kinsta.cloud/products/level-2-3-processing/) **Published:** May 17, 2026 **Author:** Nerraj Thakur **Content:** Level 2 & 3 processing# Save more with Level 3 credit card processing Business and government card transactions qualify for lower interchange rates, but most businesses never claim them. Flute captures savings automatically on every qualifying transaction without changing how you take payments. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) ![header-banner](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/header-banner-webp.webp) Level 2 and Level 3 payment processing come with lower interchange rates but also require more work. Flute automates the entire process and submits enhanced transaction data on your behalf, giving you better rates on every eligible transaction without adding any steps to your workflow. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards.svg) ### Save up to 1% per transaction Qualifying transactions can see interchange reductions of up to 1%. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/invoice_spliting.svg) ### Automatic savings Flute identifies qualifying transactions and automatically submits the required data. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-next-day-payout.svg) ### Real-time reporting Our dashboard shows which transactions qualify for better rates and how much you saved. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/shield-check.svg) ### Seamless checkout Enhanced data capture happens in the background, without changing the customer experience. “Flute has been a wonderful partner, helping our members (and us) save thousands in processing each year.” ![heather-riles-bernier](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/heather-riles-bernier_webp-150x150.webp) [ Heather Bernier ](https://www.linkedin.com/in/heather-riles-bernier/) Associate Executive Director, Independent Funeral Directors of Florida The savings are there for the taking. The data required for Level 2 and Level 3 rates already exists. The problem is that standard processing systems don’t submit it. Flute’s platform automatically captures and submits data for every qualifying transaction, making it easy to unlock more savings. ## B2B payment processing Businesses that invoice other businesses using corporate or purchasing cards can use level 2 and 3 processing to improve margins on every B2B sale. ## Government payment processing By submitting the right data, government purchasing cards and fleet cards also qualify for level 3 payments rates. ## Large commercial transactions High-value invoices to corporate accounts can massively reduce interchange fees. A 0.5% to 1% reduction on a $10,000 transaction is meaningful. ## [ SaaS platforms ](https://stg-flute-staging.kinsta.cloud/partnerships/saas-software-isv/) Software platforms serving B2B merchants can use level 3 credit card processing to give users automatic savings on commercial card transactions. ## Savings built intothe platform ### Automated data submission Flute’s platform automatically collects and submits level 2 and level 3 data on your behalf, with no extra work from your team or added time for customers. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/white-graphic.svg) ### Real-time savings reporting Every qualifying transaction is tracked and reported on your dashboard, giving you complete visibility into the direct impact on your monthly processing costs. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-content.svg) Simple, transparent pricing ## Lower rates, better margins Flute’s level 3 processing rates pass the interchange savings directly to your business. The more qualifying B2B and government transactions you process, the more you save. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) ## FAQs What is level 3 credit card processing? Standard Level 1 processing submits basic transaction data, like the card number and amount, to card networks and issuers. Level 2 payment processing adds customer reference numbers, tax amounts, and merchant information. Level 3 credit card processing goes further by submitting line-item details, including product descriptions, quantities, and unit prices. How does level 3 processing lower my rates? Card networks reward merchants who submit more detailed transaction data because it reduces their risk and improves reporting for corporate card programs. By qualifying for level 3 payment processing, businesses can see interchange reductions of up to 1% per qualifying transaction. Flute automates data submission, so you can save more on every eligible transaction with no manual work. Which businesses qualify for level 3 payments? Businesses that regularly accept corporate cards, government purchasing cards, and fleet cards benefit most. This includes B2B companies, luxury transportation providers, health care organizations, automotive shops that service commercial fleets, and SaaS platforms serving business customers. The higher your volume of qualifying transactions, the more meaningful the savings. What is Visa CEDP? Visa CEDP (Commercial Enhanced Data Program) is Visa’s program for capturing and submitting enhanced Level 2 and Level 3 data on commercial card transactions. Participating in CEDP allows merchants to qualify for lower interchange rates on eligible business and government card purchases. Flute’s platform automatically supports Visa CEDP requirements. Do I need to do anything? You don’t need to do anything differently. Flute [automatically identifies transactions](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) that qualify for level 2 and 3 processing and submits the required enhanced data to the card networks. If your business processes transactions that need additional data fields to maximize savings, Flute can prompt for that information at checkout without disrupting the customer experience. ## Stop overpaying for card processing Level 3 interchange rates are among the lowest available for B2B and government transactions. Flute automatically qualifies and captures data, so you can save on every transaction without doing more work. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Embedded payments](https://stg-flute-staging.kinsta.cloud/products/embedded-payments/) **Published:** May 6, 2026 **Author:** Nerraj Thakur **Content:** Embedded payments# Embedded payments for developer and SaaS teams Third-party checkout pages interrupt the user experience you’ve worked hard to build. Flute makes it easy to integrate and monetize payments natively, with a developer-friendly payment stack and a partner team to support you every step of the way. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) ![Pos terminal](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/header-cashier-using-pos-terminal-receipt_img_webp.webp) Payments are already happening on your platform. The question is whether you’re capturing any of the revenue. Flute helps software companies monetize payments, with a clean integration that keeps users inside your product and a partner program that supports you from technical onboarding through ongoing growth. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards.svg) ### Turn payments into revenue Earn a share of every transaction by embedding payments into your platform. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/invoice_spliting.svg) ### Seamless user experience Keep your UI seamless by allowing users to pay without ever leaving your environment. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-next-day-payout.svg) ### Developer-friendly tools Flute’s APIs and SDKs integrate with your existing stack without a major engineering lift. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/shield-check.svg) ### Dedicated partner program We help you navigate integration, pricing, go-to-market planning, and ongoing program management. “Partnering with Flute gives our merchants the payment infrastructure their business needs in one place.” ![Takeshi-Scalyx](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Takeshi-Hirota-Scalyx_webp-150x150.webp) [ Takeshi Hirota ](https://www.scalyx.ai/) CEO, Scalyx.ai Payments as a product feature Most SaaS platforms leave payment revenue on the table. With Flute’s embedded solutions, payments are processed natively on your platform, so you can control the user experience and earn more on every transaction. ## [ Revenue visibility ](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) Every transaction processed on your platform is documented in your Flute dashboard, with full revenue-share reporting. ## [ Payment flexibility ](https://stg-flute-staging.kinsta.cloud/products/payment-processing/) Flute’s embedded payments support credit and debit cards, ACH transfers, digital wallets, and more through a single integration. ## [ Built-in security ](https://stg-flute-staging.kinsta.cloud/products/fraud-prevention-security/) With Flute, you never have to worry about PCI compliance or fraud protection. Everything you need is built in from the start. ## More than anAPI connection ### Dedicated partner program Flute doesn’t hand you documentation and leave you to figure out the rest. Our partner program covers integration, pricing model design, go-to-market strategy, and ongoing program management, so your rollout is supported at every stage. [ Learn more ](https://stg-flute-staging.kinsta.cloud/partnerships/saas-software-isv/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/white-graphic.svg) ### Transparent revenue earnings You earn on every transaction processed through your platform and see the whole picture directly from your dashboard. Flute’s transparent revenue-sharing model means you know exactly what you’re earning. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-content.svg) Partner pricing ## Earn on every transaction Flute’s partner model is built around revenue sharing. The more your users transact, the more you earn. Pricing is transparent and structured to scale alongside your platform growth. ## FAQs Are Flute’s embedded payments developer-friendly? Yes. Flute’s embedded payments APIs and SDKs comes with full documentation, sandbox access for testing, and a technical partner team to help with integration. Our solutions were [built to fit your existing stack](https://developer.arise.risewithaurora.com/) without a major rebuild. How do platforms monetize payments? With Flute, you earn a share of the processing fees on every transaction your users complete inside your platform. Flute handles the payment infrastructure and compliance, while you collect the revenue share on top of your existing business model. Does Flute offer a payments API? Yes. Flute’s payment-processing APIs support full platform integration, with well-documented endpoints, sandbox testing, and flexible configuration options. The goal is to reduce integration time and give your engineering team the flexibility to build the experience your users expect. Which platforms benefit from embedded payments? Any software platform that accepts payments is a good candidate. Vertical SaaS products, marketplaces, field service platforms, and practice management tools are common fits. If your users have to leave your platform to process payments, our embedded payment solutions bring those transactions back inside your product. What are embedded payments, exactly? Integrated payments typically connect two separate systems, like a POS and an accounting tool. Embedded payments go further by weaving the experience into your product, with no redirect to a third-party checkout. For SaaS platforms, embedded solutions are more valuable because they keep users inside their environment. Bring payments inside your platform with Flute With Flute, software providers can finally have a clear integration path, a scalable revenue-sharing model, and a partner team with the experience to get it right. Turn payments from a cost center into a revenue driver. ## Bring payments inside your platform with Flute With Flute, software providers can finally have a clear integration path, a scalable revenue-sharing model, and a partner team with the experience to get it right. Turn payments from a cost center into a revenue driver. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [ACH payments](https://stg-flute-staging.kinsta.cloud/products/ach-payments/) **Published:** May 18, 2026 **Author:** Nerraj Thakur **Content:** ACH payments# Save money with ACH payment processing Cut processing costs on your largest transactions without adding friction. Flute makes it simple to accept ACH payments for one-time purchases, recurring billing, and B2B payments, with account verification that keeps failed payments off your books. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) ![banner-image](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/payment_header_webp.webp) Get a break on credit card fees. ACH transfers move money directly from bank accounts at a fraction of card processing costs, making them a smart fit for high-ticket, recurring, and business payments. Flute handles verification, processing, and reconciliation so you get the highest savings without any complexity. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards.svg) ### Lower processing costs Reduce your processing fees by accepting secure, low-cost payments directly from any U.S. bank account. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/invoice_spliting.svg) ### Flexible payment options Accept one-time purchases, recurring billing, and business invoices on one platform. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-next-day-payout.svg) ### Automated recurring billing Automate your billing for memberships, retainers, and subscriptions to keep cash flow consistent. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/shield-check.svg) ### Reduced payment risk Access check verification to confirm account validity and protect your business from failed payments. “Flute has been a wonderful partner, helping our members (and us) save thousands in processing each year.” ![heather-riles-bernier](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/heather-riles-bernier_webp-150x150.webp) [ Heather Bernier ](https://www.linkedin.com/in/heather-riles-bernier/) Associate Executive Director, Independent Funeral Directors of Florida Pay less to get paid Credit card processing fees add up fast. ACH transfers move funds directly from bank accounts at far lower rates than card processing. When it comes to high-ticket sales, B2B payments, or recurring charges, the difference between ACH and card payment processing fees is significant. Flute’s ACH solutions help you capture those savings without changing how your customers pay. ## [ Recurring ACH payments ](https://stg-flute-staging.kinsta.cloud/products/recurring-billing/) Customers authorize once, and payments process automatically based on your billing schedule. ## [ ACH invoicing ](https://stg-flute-staging.kinsta.cloud/products/invoicing/) Send an ACH invoice directly to a client and let them pay from their bank account on their own time. ## [ B2B payments ](https://stg-flute-staging.kinsta.cloud/products/level-2-3-processing/) ACH offers the highest savings on large business-to-business transactions, letting you move funds directly between accounts at a low, flat rate. ## [ Online ACH payment processing ](https://stg-flute-staging.kinsta.cloud/products/online-payments/) Let customers pay directly from their bank account online or via a payment link, all within your existing checkout flow. ## ACH built for how you bill ### Account verification Flute verifies bank account validity before each ACH transaction, identifying invalid account numbers and risks of insufficient funds upfront. Fewer failed payments mean more predictable cash flow. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/fraud-prevention-security/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/white-graphic.svg) ### ACH in your dashboard The Flute dashboard tracks ACH payments alongside all your other transactions. One view covers everything, and you don’t have to log into a separate system to reconcile your books. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-content.svg) Simple, transparent pricing ## Low rates, predictable costs Flute’s ACH processing fees are significantly lower than standard credit card rates. The savings are most noticeable on high-ticket transactions and recurring billing, where card fees add up over time. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) ## FAQs What is ACH payment processing? ACH payment processing moves funds electronically between bank accounts through the Automated Clearing House (ACH) network. It’s how direct deposits, bill pay, and bank transfer payments work. For businesses, it’s a lower-cost alternative to credit card processing for invoices, subscriptions, and large transactions. Can I accept online ACH payments? Yes. Flute supports [online ACH payment processing](https://stg-flute-staging.kinsta.cloud/products/online-payments/), so customers can pay from their bank account through a payment link or your website. It works alongside your card payment options without requiring a separate integration or additional hardware. How long do ACH payments take? How long ACH payments take to process depends on the transaction type and timing. Standard ACH transfers typically settle in one to three business days. Flute’s dashboard shows you the status of each transaction, so you always know where a payment stands. Does Flute support recurring ACH? Yes. Flute supports recurring ACH payments for membership, retainers, and subscriptions. Once a customer authorizes a payment method, billing runs automatically on the schedule you set. You can also use ACH invoicing to send one-time invoices, so clients can pay on their own time. Are ACH payments cheaper than cards? Yes. ACH payment processing fees are typically much lower than [credit card interchange rates](https://stg-flute-staging.kinsta.cloud/products/dual-pricing-surcharging/). For high-ticket transactions or high-volume recurring billing, the savings per transaction add up quickly. Flute’s pricing is transparent, so you can see exactly what you’re saving. ## Fewer fees, same reliable payments The savings add up when you accept ACH payments alongside your existing payment options. With Flute, lower processing costs, automated recurring billing, and account verification all come standard. It’s time to keep more of what you earn. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Dual pricing & surcharging](https://stg-flute-staging.kinsta.cloud/products/dual-pricing-surcharging/) **Published:** May 18, 2026 **Author:** Nerraj Thakur **Content:** Zero-cost processing# Card processing that pays for itself Keep more of every sale with zero-cost credit card processing. Offset processing fees with dual pricing, surcharging, and cash discounting without slowing down your checkout or confusing your customers. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) ![hero banner](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/hero_banner_webp.webp) Processing fees don’t have to be a fixed cost. Offset or eliminate them entirely with fully compliant zero-cost processing options. It keeps costs low for your business, drives trust with your customers, and doesn’t require extra work on your end. Flute handles the setup, compliance, and customer communication from day one. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards.svg) ### Keep more revenue Choose the program that fits your business and keep more of every transaction. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/invoice_spliting.svg) ### Compliance, handled Flute helps support compliance with applicable card brand rules and state regulations, reducing the administrative burden of managing those requirements. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-next-day-payout.svg) ### Transparent pricing Card and cash prices are clearly displayed at checkout, so customers always know what they’re paying and why. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/shield-check.svg) ### Full support Our U.S.-based team is still here long after your first transaction, with support whenever you need it. "Our clients appreciate having options, and they really like seeing how much they save. We saved over $20,000 last year, which meant we didn't have to raise our rates. It's a win-win, and we save time, too, because there's just less back-and-forth." ![autopsy-logo](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/autopsy_logo.webp) Marcie Schultz Administrator, The Autopsy Doctor Stop absorbing processing fees Credit card processing fees are 2-4% per transaction. Across hundreds of sales, that adds up fast. Flute’s zero-cost processing programs give you a legal, compliant way to offset those fees. Pick the model that fits your business and customer base and keep more of what you earn. ## Dual pricing Display two prices at checkout: a standard rate for cash payments and a card rate that covers processing fees. ## Credit card surcharging Add a small surcharge to credit card transactions and apply it automatically at checkout. ## Cash discounting Set your standard price to include the cost of card acceptance, then offer a discount to customers who pay with cash. ## [ ACH payments ](https://stg-flute-staging.kinsta.cloud/products/ach-payments/) Allow customers to pay directly from their bank accounts at a fraction of the cost. Modular / differentiation section. ## Flexible programs.Transparent checkout. ### Compliant by design Flute helps merchants recover eligible processing costs while aligning with card brand requirements and applicable state regulations, so you can reduce fees without taking on unnecessary risk. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/fraud-prevention-security/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/white-graphic.svg) ### Works with existing hardware Activate zero-cost processing without replacing your existing hardware or POS system. Our team will handle the transition so there’s minimal disruption to your day-to-day operations. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-content.svg) Pricing ## Pay less, keep more Flute’s zero-cost processing programs are structured to help offset processing fees while operating within applicable card brand and regulatory frameworks. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) ## FAQs What is zero-cost processing? Zero-cost credit card processing offsets credit card processing fees by passing some or all of the cost to the customer through surcharging, dual pricing, or cash discount programs. Instead of absorbing the fee on every transaction, businesses can use one of these compliant programs to recover the cost, keeping more of what they earn. Is credit card surcharging legal? Credit card surcharging is permitted in many U.S. states, subject to specific restrictions and requirements that vary by state. Flute provides guidance to help merchants understand applicable card brand rules and state regulations and will review state‑specific considerations before program setup. How does dual pricing differ from cash discounting? Dual pricing shows two prices at checkout: one for cash, one for card. Cash discounting sets a single price and offers a discount to customers who pay in cash. The practical outcome is similar. The key difference is how pricing is displayed and communicated to customers. Flute can walk you through which approach fits your business. How does Flute handle compliant surcharging? Flute supports merchants by assisting with key compliance considerations related to credit card surcharging, including disclosure practices, setup, and state‑specific requirements, based on current card brand guidance. How much can I save? The savings depend on your transaction volume and your [current processing rates](https://stg-flute-staging.kinsta.cloud/pricing/). Businesses running high card volumes often see meaningful savings in monthly processing costs. Reach out, and Flute’s team will give you a realistic estimate based on your actual numbers. ## Keep more of what you earn Find out what zero-cost processing would mean for your monthly bottom line. Talk to our team to find the right program for your volume and payment mix. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Online payments](https://stg-flute-staging.kinsta.cloud/products/online-payments/) **Published:** May 18, 2026 **Author:** Nerraj Thakur **Content:** Online payments / E-commerce payment processing# E-commerce payment processing made simple Accept payments online with flexible tools built for the way you sell. Add secure payment fields directly to your site or app, send customers to a branded payment page, or share a secure link for invoices, deposits, and remote payments. We handle security, and our support team knows e-commerce inside and out, so your online store stays open and running. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) ![online-ecommerce-banner](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/online-ecommerce-banner.webp) A clunky checkout loses sales. Build a faster, more secure online checkout with Flute’s e-commerce tools. Accept more payment types, reduce chargebacks, and keep recurring payments running even when cards are replaced. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards.svg) ### Branded checkout Keep the payment experience consistent with your business, whether customers pay on your site, through a hosted page, or from a link. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/invoice_spliting.svg) ### Fraud protection Built-in fraud tools, tokenization, and PCI-compliant infrastructure protect customer data. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-next-day-payout.svg) ### Flexible payment experiences Add secure payment fields to your website or app, use a branded payment page, or send customers a payment link. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/shield-check.svg) ### Seamless integration Connecting Flute to your website is straightforward, and our team will walk you through every step. "We had an amazing hands-on experience with the integration process. It wasn’t a vendor-client relationship but a true partnership, and the end result was a seamless experience for our customers." ![keithraphael](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/keithraphael_webp-150x150.webp) [ Keith Raphael ](https://www.linkedin.com/in/keithraphael/) CoFounder & CEO, Straddle An online checkout worth trusting Customers make split-second decisions about whether a checkout page feels safe. Flute gives you three ways to accept payments online: embedded checkout on your own site, a Flute-hosted payment page customized to your brand, or a payment link that works without a website at all. All three are PCI-compliant and built to keep customers confident at the moment that matters most. ## [ Embedded online payments ](https://stg-flute-staging.kinsta.cloud/products/embedded-payments/) Add secure payment fields directly to your website, app, or customer portal so buyers can pay without leaving your experience. ## Hosted payment pages Send customers to a secure, mobile-friendly payment page that reflects your brand and makes online payments simple. ## [ Shareble payment links ](https://stg-flute-staging.kinsta.cloud/products/invoicing/) Send a secure link by email, text, or invoice so customers can pay online from anywhere, no website navigation required. ## [ Secure repeat purchases ](https://stg-flute-staging.kinsta.cloud/products/network-tokenization/) Store customer payment details securely and use them for subscriptions, repeat orders, or one-click checkout. ## Online payments,fully connected ### Flexible API and integrations Flute’s online checkout integration connects to your existing website, shopping cart, or application through a flexible API and pre-built integrations. Add secure online payments to your website or platform without replacing what’s already working. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/embedded-payments/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/white-graphic.svg) ### E-commerce reporting and visibility Spot issues quickly, monitor trends, and keep your online payment operations running smoothly, all from a single, convenient reporting dashboard. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-content.svg) Straightforward pricing ## Security that earns its keep Flute’s online payment processing pricing is transparent and competitive. You always know what you’re paying per transaction with nothing buried in your statement. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) ## FAQs Can I accept payments on my website with Flute? Yes. Flute’s e-commerce payment processing solutions let you accept credit and debit cards and [ACH payments](https://stg-flute-staging.kinsta.cloud/products/ach-payments/) directly on your website via hosted payment pages or API integration. The checkout stays on your site and matches your branding. Do you offer online payment solutions for SaaS providers? Yes. Flute’s flexible API and online checkout integration tools work well for [SaaS platforms](https://stg-flute-staging.kinsta.cloud/isvs-sass-partners/) that need to add or upgrade payment acceptance. Embed payments into your product, support recurring billing, and manage customer payment data through the customer vault. Can I send payment links for customers to pay online? Yes. Flute lets you send payment links directly to customers so they can process payments online without navigating to your website. Send the link via email, text, or social media, use a QR code, or add it to your website. It’s a useful option for invoices, deposits, or any situation where a customer needs to pay remotely. Do your online payments solutions integrate with shopping carts or platforms? Yes. Flute’s online checkout integration connects to common shopping carts and e-commerce platforms through pre-built integrations and flexible APIs. Reach out to our team, and we’ll confirm compatibility with your specific platform. How much does online payment processing cost? Flute uses transparent pricing with no hidden fees. Online payment processing rates vary based on transaction volume, payment methods, and business type. Reach out for a quote tailored to your online sales volume. ## Build a checkout that converts Accept payments securely, reduce fraud, and let customers buy from anywhere. Reach out to connect your store, set up your payment pages, and start selling with a platform built to grow with you. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Mobile payments](https://stg-flute-staging.kinsta.cloud/products/mobile-payments/) **Published:** May 17, 2026 **Author:** Nerraj Thakur **Content:** Mobile payments# Mobile credit card processing, anywhere you work Take payments wherever your business takes you. Flute’s mobile payments include portable card readers and a full mobile POS app, backed by the same secure infrastructure as your countertop setup. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) ![mobile-header-payment-banner](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/mobile-payment-header-webp.webp) Business doesn’t always happen behind the counter. Take any payment type, anywhere you have an internet connection. Flute’s mobile payments are fast, secure, and simple enough to use anywhere. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards.svg) ### Take payments anywhere Accept mobile payments without being tied to a fixed device. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/invoice_spliting.svg) ### Send payment links instantly Share a secure payment link via text or email and get paid before, during, or after the job. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-next-day-payout.svg) ### Secure transactions Every transaction is encrypted, tokenized, and PCI-compliant from the moment a card is tapped. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/shield-check.svg) ### Convenient dashboard Mobile transactions feed into the same dashboard as your in-store sales. “Flute listens, adapts, and builds solutions tailored to our needs, pulling everything together as an all‑in‑one platform. Their personalized attention and flexibility mean we never have to chase different rails or vendors. This approach delivers seamless, efficient payment operations — and we love it.” ![donbregin](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/donbregin_webp-150x150.webp) [ Don Bregin ](https://www.linkedin.com/in/donbregin/) Managing Partner, ETA Certified Payments Professional Tru Payments Mobile credit card processing Lightweight hardware that goes where you do. Flute’s mobile card readers connect in seconds and slip easily into a pocket or apron. Accept credit and debit cards, contactless payments, and mobile wallets wherever your work takes you. ## Mobile POS Run your full payment operation from a smartphone or tablet using Flute’s merchant app. ## Portable card readers Flute’s lightweight card readers easily pair with your phone or tablet. ## Off-site payments Collect payments anywhere with a connection, and they automatically sync back to your dashboard. ## Virtual terminal Key in card details manually to take payments over the phone, no card reader needed. ## Mobile payments,fully connected ### 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. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/white-graphic.svg) ### Security built for mobile Flute’s mobile tools and apps use the same encryption, tokenization, and PCI-compliant infrastructure as fixed payment hardware. Built-in risk tools and alerts keep every transaction protected. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/network-tokenization/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-content.svg) Simple, transparent pricing ## Same rates, wherever you sell Taking a payment on your phone costs the same as taking one at the register. Flute’s mobile rates are consistent and transparent, with no surprise fees for using a card reader or mobile app. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) ## FAQs What kinds of mobile payments does Flute support? Flute supports contactless tap to pay, chip card payments, and digital wallets like Apple Pay and Google Pay. Can I collect payments without a card reader? Yes. Flute’s [payment links](https://stg-flute-staging.kinsta.cloud/products/invoicing/) let you send a secure payment request via text or email, so customers can pay before, during, or after the job — no card reader or in-person payment required. It’s a practical option for deposits, advance bookings, or any situation where collecting payments in person isn’t convenient. What mobile card readers are available? Flute offers pre-certified, lightweight card readers that pair with your phone or tablet to accept chip, tap, and swipe payments. For businesses that need more functionality, full-featured mobile payment POS devices are available. Both options connect to our platform, so every transaction appears in the same dashboard. Is mobile payment processing secure and PCI compliant? Yes. Every mobile transaction runs through Flute’s encrypted, tokenized, PCI-compliant infrastructure. [Card data is protected](https://stg-flute-staging.kinsta.cloud/products/fraud-prevention-security/) from the moment it’s captured, and built-in risk tools monitor for suspicious activity. What types of businesses benefit most from mobile payments? Mobile payments are great for anyone who takes payments outside a fixed location. This includes market stall vendors, mobile service providers, event-based businesses, retailers with curbside pickup, wellness and fitness professionals, veterinarians making house calls, and professionals who visit customers on-site. ## Get paid wherever business happens Take payments at the counter, on the floor, at events, and on the road, all from the same platform. Setup is fast, so you can start accepting payments from day one. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [In-person payments](https://stg-flute-staging.kinsta.cloud/products/in-person-payments/) **Published:** May 17, 2026 **Author:** Nerraj Thakur **Content:** In-person payments# Fast, reliable in-person payments Take in-person payments fast with hardware that arrives ready to use and software that doesn’t get in the way. Flute gives your business the payment tools to move faster, serve more customers, and keep lines short. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) ![in-person-payment-banner](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/in-person-payment-banner.webp) The wrong payment system will cost you. Lost sales, frustrated customers, and staff workarounds add up fast. Flute’s in-person payments platform does exactly what you need it to, without slowing you down. Checkouts are always fast, secure, and consistent, no matter who’s at the register. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards.svg) ### Payment flexibility Customers can swipe, tap, or dip their card, use a digital wallet, or scan a QR code to pay. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/invoice_spliting.svg) ### Convenient dashboard In-person payments from every device show up in a central dashboard. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-next-day-payout.svg) ### Ready-to-use hardware Devices arrive pre-configured and are intuitive enough for anyone to pick up and use right away. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/shield-check.svg) ### Built-in security Keep every sale protected with built-in PCI-compliance and encryption. “Taking credit card payments upfront is an important part of our process, so we need transactions handled smoothly and support available when questions come up. Flute has been a valuable partner for our organization, and the team has always been responsive and easy to work with.” ![rickszilagyi](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/rickszilagyi_webp-150x150.webp) [ Rick Szilagyi ](https://www.linkedin.com/in/rickszilagyi/) Executive Director, New England Livery Association Plug in and start selling Getting set up shouldn’t take weeks. Flute’s hardware ships pre-configured and ready to use. Plug it in, power it on, and you’re ready to start accepting payments. Whether you’re replacing older devices or setting up a new location, onboarding is fast and straightforward. ## [ Countertop payments ](https://stg-flute-staging.kinsta.cloud/products/hardware/) Flute’s countertop hardware processes cards and mobile wallets quickly and reliably. ## [ Mobile card reader ](https://stg-flute-staging.kinsta.cloud/products/mobile-payments/) Use our compact, lightweight mobile readers tableside, at events, or anywhere on your floor. ## [ Full POS system ](https://stg-flute-staging.kinsta.cloud/products/payment-processing/) Our fully connected POS system combines hardware, software, and merchant services. ## Hardware that keepsup with you ### One platform, every device Run countertop devices and mobile readers through the same dashboard. Every transaction shows up in one place, and there’s no need to log into multiple systems to see your activity. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/white-graphic.svg) ### Back up fast when needed Flute’s team can resolve most device issues remotely through diagnostics, a reboot, or a system refresh. If a replacement is needed, we’ll send a new unit right away so you’re back to business with little downtime. [ Learn more ](https://stg-flute-staging.kinsta.cloud/contact-us/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-content.svg) Simple, transparent pricing ## Straightforward pricing for in-person sales Flute offers transparent, competitive rates with no confusing fee structures. What you see at signup is what appears on your statement, whether you have one device or 10. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) ## FAQs How does Flute handle in-person payments? Flute’s in-person payments platform supports chip, tap, swipe, PIN debit, mobile wallets, and QR code payments. We offer a range of hardware options, including countertop devices, mobile readers, and full POS systems. All transactions are tracked and reported [on a single dashboard](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/), and U.S.-based support is available 24/7 if you need help. What do I need to start? Most businesses start with a countertop payment terminal for the register and add a mobile reader if they need flexibility on the floor or at events. Flute’s hardware ships pre-configured, so setup is fast and easy. With the virtual terminal option, you can also start taking payments the same day your account is approved. Does Flute support tipping? Yes. Flute’s hardware automatically prompts for a tip at checkout, allowing customers to add one before confirming their payment. It works across cards, contactless payments, and digital wallet transactions. Can I accept contactless payments? Yes. Flute supports contactless payment processing, including cards, Apple Pay, Google Pay, and other mobile wallets on all compatible devices. Do you offer merchant services? Yes. Our merchant services cover in-person payments, online payments, invoicing, ACH, recurring billing, and more, all managed through the Flute platform. Whether you need a single device or a full payment stack, we can build a setup that fits your business. ## Get paid faster, starting today Flute’s in-person payments solutions mean shorter lines, faster transactions, and happier customers. Give your business the tools to grow without payments getting in the way. [ Get started ](https://stg-flute-staging.kinsta.cloud/contact-us/) --- ### [Program Guide Agreement](https://stg-flute-staging.kinsta.cloud/program-guide-agreement/) **Published:** May 28, 2026 **Author:** Nerraj Thakur **Content:** Trusted Banking Partners ## Backed by Leading Financial Institutions Flute partners with established banking institutions to deliver secure payment processing, reliable financial services, and trusted merchant support across every transaction. ![Esquire-bank](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/esquire-bank.webp) ### Esquire Bank [ Read more ](https://stg-flute-staging.kinsta.cloud/esquire-and-flute-merchant-agreement/) ![Evolve-bank](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/evolve-bank.webp) ### Evolve Bank [ Read More ](https://stg-flute-staging.kinsta.cloud/evolve-merchant-agreement/) ![Merrick-bank](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/merrick-bank.webp) ### Merrick Bank [ Read more ](https://stg-flute-staging.kinsta.cloud/merrick-merchant-agreement/) --- ### [Terms of Service](https://stg-flute-staging.kinsta.cloud/terms-and-conditions/) **Published:** May 19, 2026 **Author:** Nerraj Thakur **Content:** These Terms of Service (as amended to date, “Terms”) between you (including your authorized employees, affiliates and agents) and Flute Commerce LLC and its affiliates and agents, as applicable, (“Flute”) govern your access to and use of Flute’s products and services, including any use of, or access to, our website, or our online tools that are provided to you for your use by Flute under some agreed upon provision of service(s) (collectively, “Flute Solutions”). Any of your obligations set out in these Terms will be in addition to, and not in substitution of, any other obligations imposed on you by Flute, a third-party provider, or any affiliate and/or agent of Flute (as applicable) under any separate agreement(s) related to the provision of services for Flute Solutions. ## 1 Acceptance of Terms & Usage of Flute Solutions. 1.1 You accept these Terms when you click to accept these Terms and otherwise by continuing to use any Flute Solution. Your acceptance of these Terms creates an enforceable contract between you and Flute. You cannot use the Flute Solutions if you do not accept the Terms. When you accept the Terms on behalf of your business, you represent to Flute that you have the authority to use Flute Solutions and to accept these Terms. 1.2 Upon your acceptance of these Terms, you will be required to provide Flute with the applicable information to create a “Flute Account,” which may be a general account for using digital products in conjunction with your commercial use of Flute’s services or may be a Flute Digital Sandbox Account for use of the Flute Digital Sandbox, which is a Flute Solution. If you create a Flute Digital Sandbox Account, it will be governed by additional terms set forth in Sections 25 through 29 below. You shall provide Flute with accurate, current, and complete information about you and your business (“Account Information”) and update your Account Information promptly after any changes. You will be provided login credentials, which may include a user name, account number, password, and other methods of user authentication such as security questions and answers, and other login details or information used by you to use or access the Flute Account (“Account Credentials”) Flute may terminate your Flute Account and your access to Flute Solutions if your Account Information is inaccurate or incomplete. You are solely responsible for keeping your Account Credentials confidential and for all activities that occur on your Flute Account as a result of any use of such Account Credentials, including all unauthorized activities. Flute is entitled to act on instructions received by us if correct Account Credentials are provided. 1.3 Age Requirements and Representative Liability. Only individuals and businesses whose representatives are 18 years of age or older (or the age of majority in their jurisdiction, whichever is greater) may create a Flute Account and use Flute Solutions. If you or your authorized representative is not 18 years of age or older (or the age of majority where you reside): (a) You must add a representative who is an adult (which may be a parent, legal guardian, or other authorized person with legal authority) to your Flute Account; (b) Both you and your representative agree to be bound by these Terms; and (c) Your representative agrees to be personally responsible and liable for your actions and omissions in connection with your Flute Account and your compliance with these Terms. ## 2. Grant of License. Flute grants you a personal, limited, non-exclusive, revocable, non-transferable license to access and use Flute Solutions pursuant to these Terms and pursuant to any separate agreements with Flute governing your use of the Flute Solutions. ## 3. Restrictions. You shall not, and shall not permit any third party to: 1. access or attempt to access Flute Solutions (or any part) that is not intended to be available to you; 2. provide access to, or use of, Flute Solutions (in any form, in whole or in part) to any third party through any time-sharing service, service bureau, network, consortium, or other means, or otherwise resell or redistribute the information you receive through Flute Solutions to any third parties; 3. perform or attempt to perform any actions that would interfere with the proper working of Flute Solutions, prevent access to or use of Flute Solutions by other users, or impose a large load on Flute’s infrastructure, network capability or bandwidth; 4. without Flute’s express written consent, use, ship, or access Flute Solutions (or any part) outside or from outside of the United States; 5. use Flute Solutions except as permitted in these Terms without the express written consent of Flute; 6. use, disclose or retain any information obtained from Flute Solutions in a manner that violates our Privacy Policy or the privacy policy that you post; 7. share your Account Credentials with anyone other than your authorized employees; 8. use the Flute Solutions in any manner that violates Applicable Laws (as defined in Section 14.2 below; 9. benchmark Flute Solutions against other solutions or develop a competitive solution; 10. facilitate any activities that are unlawful, fraudulent, coercive, defamatory, violate the rights of individuals or otherwise harass or degrade individuals; 11. decompile, disassemble, reverse engineer, or otherwise attempt to reconstruct or discover by any means any source code, underlying ideas or algorithms of the Flute Solutions, (or any part), except to the extent that such restriction is expressly prohibited by law; 12. modify, translate, or alter in any manner, the Flute Solutions (or any part) or the Marks (as defined in Section 12.1 below); 13. create derivative works of or based on the Flute Solutions (or any part) or the Marks; 14. except for backup and archival purposes as expressly consented to by Flute, directly or indirectly copy the Flute Solutions (or any part); 15. republish, upload, post, transmit, disclose, or distribute (in any format) the Flute Solutions (or any part), except as permitted in these Terms; 16. remove, relocate, or otherwise alter any proprietary rights notices from the Flute Solutions (or any part) or the Marks; or 17. use any robot, spider, site search, or other retrieval application or device to scrape, retrieve, or index services provided by Flute, or to collect information about users for any unauthorized purpose. ## 4. **Equipment and Connectivity.** - 4.1 You may access Flute Solutions through equipment that is identified by Flute as compatible with and capable of accessing and/or supporting Flute Solutions through the use of wired and/or wireless connection(s) to the Internet and/or any other standard industry acceptable means for gathering, storing, managing and/or communicating data for the provision of services for Flute Solutions. You are solely responsible for the payment of any and all fees that may be imposed by your Internet/data services provider. Your use of Flute Solutions is subject to: (a) the terms of any agreements you have with your Internet/data services provider; and (b) availability, transmission range and uptime of the services and any equipment for the provision of services for Flute Solutions. - 4.2 Flute Solutions do not function with all equipment. In Flute’s sole and absolute discretion and from time to time, Flute may modify the equipment that is deemed approved as compatible with Flute Solutions ## 5. Communicating with Customers. You must promptly comply with any customer’s opt-out requests in their entirety. You may not use Flute Solutions to send marketing communications, except to the contact information provided directly to you by the consumer and with the proper consumer consent as required by Applicable Laws. ## 6. Third Party Solutions. 6.1 Flute Solutions may contain links to services, products or promotions that are provided by third parties, not Flute (“Third Party Solutions”). If you decide to use Third Party Solutions, you will be responsible for reviewing, understanding, and complying with the terms and conditions associated with such Third Party Solutions. Flute uses certain Third Party Solutions to deliver services to you. By using Flute, you authorize the providers of such Third Party Solutions to collect, process, and use information as described in our Privacy Policy and the respective terms and privacy policies of such providers. 6.2 Flute may use a provider of a Third Party Solution to collect and process information about your business, payment processing activity, settlement flows, linked bank accounts, and transition history in order to assist with on-boarding you as a customer and provide certain other services. Currently, Jaris, Inc. may provide certain on-boarding services that require this information pursuant to agreements between Flute and Jaris, Inc., and where applicable, directly with you. 6.3 While Third Party Solutions may interface or function with Flute Solutions, you however acknowledge and expressly agree that these Third Party Solutions are not deemed Flute Solutions. You may be required to enter into agreements with providers of Third Party Solutions in order to use such Third Party Solutions. You are solely responsible for your compliance with such agreements, your use of Third Party Solutions, and any associated fees or charges. 6.4 Your access to, download of, or otherwise obtained content through your use of Third Party Solutions is at your own risk. Flute will not be responsible or liable for any actions or any failures to act of any third party and expressly disclaims any and all liability related (directly or indirectly) to any Third Party Solutions. Flute does not warrant, endorse, guarantee, or assume responsibility or liability for any provider of a Third Party Solutions that are directly or indirectly advertised or offered through Flute Solutions or any hyperlinked website or service, third party app store, Flute’s websites or digital offerings (or any sub domains) or featured in any banner or other advertising. Flute will not be a party to or in any way monitor any transaction between you and providers of Third Party Solutions. ## 7. Maintenance. 7.1 Flute may perform maintenance on Flute Solutions, which may result in service interruptions, delays, or errors. Flute will not be liable for any such interruptions, delays, errors, or bugs. Flute may contact you to assist you with Flute Solutions and obtain information needed to identify and fix any errors. 7.2 Flute may release enhancements, improvements, or other updates to Flute Solutions. You shall integrate and install any update into your systems within 30 days of your receipt of notice from Flute that such actions by you are required. Failure to install any updates in a timely fashion may impair the functionality of Flute Solutions. Flute will have no liability for your failure to properly install the most current version of any update, and Flute will have no obligation to provide support or services for any outdated versions. 7.3 Certain software can automatically install, download, and/or deploy updated and/or new components, which may include a new version of the software itself. In no event shall you directly or indirectly prevent, in any event or in any manner, or interfere with these processes. You agree to assume full responsibility and to indemnify Flute for all damages and losses of any nature for all adverse results or third-party claims arising from your interference with such processes. 7.4 Modifications and Discontinuation of Services. Flute may modify or discontinue any aspect of Flute Solutions, including imposing new conditions on use, limiting features or functionality, or ceasing to offer Flute Solutions (or any part thereof) in specific locations or entirely. Flute will provide you with reasonable advance notice if such modification or discontinuation would materially reduce the functionality of Flute Solutions that you are then using, except where Flute determines that providing such notice would (a) create a security or fraud risk for Flute, its affiliates, or its other customers; or (b) cause Flute to violate Applicable Laws or breach an obligation to a governmental authority, card association, or third-party service provider. Flute shall have no liability for any such modifications or discontinuations. 1. ## 8. Fees. 8.1 Fee Obligations. For your use of Flute Solutions, you agree to pay the applicable fees and all applicable taxes, duties, or other governmental assessments based on your use of Flute Solutions as set forth in these Terms or your applicable agreement for Flute Solutions. Unless otherwise expressly stated in these Terms, your applicable Flute Solutions agreement, or as required by Applicable Laws, payment obligations are non-cancelable and fees paid are non-refundable. Unless otherwise expressly stated in these Terms or your applicable Flute Solutions agreement, Flute may change the fees related to the provision of services for Flute Solutions (including verified third-party pass-through costs), and in such case, will promptly provide you with commercially reasonable notice. If you dispute any amounts you are charged, you must notify Flute in writing within 30 days of incurring the charge that you dispute, unless otherwise expressly provided for in another applicable agreement. For avoidance of doubt, if you notify Flute after 30 days, you agree Flute has no obligation to affect any adjustments or refunds. 8.2 Collection of Fees and Other Amounts. 1. You must pay, or ensure that Flute is able to collect, all fees, taxes, and other amounts you owe to Flute under these Terms or any other agreement with Flute when due. 2. Flute may collect all amounts owed by you by (i) deducting them from any amounts Flute owes to you; (ii) charging any payment method you have provided to Flute; (iii) invoicing you for those amounts; or (iv) debiting any bank account you have authorized Flute to debit. 3. If Flute is unable to collect any amounts due, or if any account balance you maintain with Flute is negative or does not contain funds sufficient to pay the amounts due, then Flute may, to the extent permitted by Applicable Laws, deduct, recoup, or setoff these amounts from (i) any reserve account (if applicable); (ii) funds payable by Flute to you; (iii) any account balance; (iv) any bank account you have authorized Flute to debit; or (v) any backup payment method you have provided. 4. If you are liable for any amounts owed to Flute under these Terms, you are also liable for all costs and expenses incurred by Flute (and its affiliates, agents, and representatives) in collecting those amounts. Such collection costs include reasonable attorneys’ fees and expenses, costs of any arbitration or court proceeding, collection agency fees, applicable interest, and any other related costs. 5. If Flute believes it transferred funds to you in error, Flute may deduct, recoup, or setoff those funds in accordance with this Section 8.2. 8.3 Fee Changes and Waivers. Your continued use of Flute Solutions after the effective date of any fee change constitutes your acceptance of the new fees. Subject to Applicable Laws, Flute may revise the fees for Flute Solutions at any time. Flute will provide you with at least 30 days’ notice (or such longer period as required by Applicable Laws) of any increase in fees or any new fees for Flute Solutions provided to you. Flute may offer Flute Solutions without charge or waive fees for Flute Solutions, and Flute may subsequently start charging fees for such Flute Solutions upon at least 30 days’ notice (or such longer period as required by Applicable Laws) to you. Taxes may still apply to previously waived fees. ## 9. Term and Termination. 9.1 Your obligations under these Terms will continue for the longer of (a) your use of Flute Solutions, (b) until you or we terminate your Flute Account by giving the other 30 days’ notice, or (c) as otherwise provided in these Terms or other applicable agreement as expressly stated thereunder. 9.2 Notwithstanding anything herein to the contrary, Flute may immediately suspend your access to Flute Solutions without notice or liability if: 1. Flute reasonably believes that providing Flute Solutions to you will cause Flute or you to violate any Applicable Laws; 2. you become insolvent, make an assignment for the benefit of creditors, file for bankruptcy protection, or have a receiver appointed over your assets; 3. you breach these Terms or any other agreement between you and Flute; 4. Flute reasonably believes your activity degrades, or may degrade, the security, privacy, stability, or reliability of Flute Solutions or any third party’s systems; 5. Flute reasonably believes you are engaged in, or your activity enables or facilitates, any business or activity that may be unlawful, fraudulent, or harmful to a third party, or otherwise presents an unacceptable risk to Flute; 6. Flute reasonably believes your activity increases, or may increase, the rate of fraud or chargebacks; 7. you do not promptly respond to Flute’s request for information or documentation; or 8. you do not promptly integrate and install updates as required by Section 7.2. 9.3 Flute may permanently terminate or otherwise refuse to permit your access to Flute Solutions for any reason listed in Section 9.2 above, or for any other reason in Flute’s sole determination, including if Flute determines you violate any provision of these Terms. Flute will provide notice of termination in accordance with Applicable Laws but is not required to provide advance notice. 9.4 Upon termination of these Terms for any reason, you must immediately stop using Flute Solutions, and your license to use Flute Solutions provided under these Terms will immediately expire. Subject to the foregoing sentence and Applicable Laws and card association rule requirements, Flute will delete Account Data (defined below) that is stored on Flute’s servers upon your termination of these Terms, and Flute will not be liable to you or any third party for termination of access to Flute Solutions or deletion of your Account Data.9.5 The rights, obligations, and limitations in these Terms that by their nature should survive shall survive termination of these Terms, including Sections 1.1, 3, 6, 8, 9.4, this 9.5, 11, 12, 13, 14, 15, 16, 17, 20, 21, 22, 23, 27, 28 and 29. Unless otherwise expressly stated, termination of these Terms will not affect any other agreement between you and Flute or Flute’s affiliates. ## 10. Privacy Policy. For information on how we protect your personal information, please read our Privacy Policy at [flute](https://stg-flute-staging.kinsta.cloud/privacy-policy/ "Privacy Policy")[.com/privacy](http://flute.com/privacy) which is hereby incorporated into these Terms. This policy explains how we treat your information when you access and use the Services. ## 11. Protecting Information. 11.1 You agree to hold all non-public information that Flute supplies or otherwise makes accessible to you (“**Confidential Information**”) in strict confidence and to not disclose or use the Confidential Information for any purpose except in connection with your exercise of rights and performance of obligations under these Terms. You may disclose Confidential Information to other employees of your employer who have a bona fide need to know to the extent necessary to evaluate the Flute Solutions, provided that each such other employee is bound by confidentiality obligations no less stringent than those set forth in these Terms. You agree to ensure the protection of Confidential Information from unauthorized disclosure and, in any event, to take precautions at least as great as those taken to protect your own information of a similar nature, but in no event less than a reasonable degree of care. You acknowledge that breach of this Section 11.1 may result in irreparable harm to Flute, for which money damages may be an insufficient remedy, and therefore Flute will be entitled to seek injunctive relief to enforce the provisions of this section without requirement of posting a bond or providing special evidence. 11.2 You may disclose Confidential Information if required by court order, governmental demand, or other compulsory legal process, provided that, if legally permitted to do so, you first promptly notify Flute, delay disclosure in order to afford Flute an opportunity to seek a protective order or other relief, provide reasonable cooperation with respect to any such efforts by Flute, and limit any disclosure solely to the extent legally required. 11.3 At Flute’s request, you shall return to Flute or destroy all of Flute’s Confidential Information in your possession or control immediately upon your receipt of such request. 11.4 You are required to utilize best industry practices to prevent unauthorized access to and use of any of your information or data provided to, used with, or stored in, or by, the Flute Solutions (collectively, “Account Data”). You are solely responsible for ensuring the confidentiality protection of your Account Credentials and the security of Account Data residing on server(s) or other systems owned or operated by you or a third party designated by you. You are responsible for all electronic communications that contain Account Data that is sent to Flute (or to any third party) and for all uses of the Flute Solutions in association with your Account Data regardless of whether such communications were authorized by you. 11.5 Data Breach Notification. You must notify Flute immediately (and in no event later than 24 hours after discovery) if you become aware of any unauthorized acquisition, access, modification, disclosure, or loss of any personal data, customer data, payment card data, Account Credentials, or Account Data that could reasonably impact Flute’s provision of Flute Solutions. Such notification must include all details reasonably available to you regarding the nature and scope of the data breach. Flute reserves the right to deny you access to the Flute Solutions, in whole or in part, if Flute believes that any loss, theft or unauthorized use of any Account Data or access information has occurred. ## 12. Intellectual Property. 12.1 All right, title and interest in and to all Confidential Information, Marks, and Intellectual Property Rights embodied by Flute Solutions (including all software and any updates, changes, alterations, or modifications to or derivative works thereof) shall be and remain, as between Flute and you, the sole and exclusive property of Flute. All right, title and interest associated with the Flute Solutions not expressly granted by Flute in these Terms are deemed withheld. You may not use Marks in any manner, including in any advertisements, displays, or press releases, without Flute’s prior written express consent. “Marks” are Flute’s names, logos, emblems, brands, service marks, trademarks, trade names, taglines, and any and all other proprietary designations. “Intellectual Property Rights” means patents, copyrights, trade secrets, design rights, data rights, mask work rights, moral rights, trademarks and any other intellectual property rights anywhere in the world, and registrations and applications for any of the foregoing. 12.2 If Flute provides you with copies of or access to any software or documentation, then, unless otherwise expressly stated in writing, such software and documentation are provided on a personal, non-exclusive, non-transferable, non-assignable, revocable limited license for the period of your authorized usage of Flute Solutions and solely for you to access and use the software and documentation in order for you to use Flute Solutions for its intended purpose(s). 12.3 You shall not take any action that is contrary with the expressed stated purpose(s) of this Section. You will not file any action, in any forum that challenges the ownership of any part of the Flute Solutions, any related software, materials or documentation. Failure to comply with this provision will constitute a material breach of these Terms and consequently may lead to immediate termination of your usage of Flute Solutions. 12.4 Feel free to contact us regarding any comments, suggestions, feedback or ideas about the Flute Solutions, including improvements to Flute Solutions, (“Feedback”) by using the Flute contact information provided herein. If you provide any Feedback to Flute, you grant to Flute and its affiliates a perpetual, worldwide, non-exclusive, irrevocable, royalty-free, sublicensable license to use that Feedback for any purpose without restriction or obligation to you and acknowledge that Flute will hold no confidentiality obligations, including use or disclosure restrictions, with respect to such Feedback. If you provide Flute with any content or other materials relating to such Feedback, you represent and warrant that you have obtained all necessary rights and permissions to share such content or materials to Flute, and that any information contained therein constitutes Feedback under this paragraph.12.5 As a condition to granting you access and permission to use Flute Solutions, you, on behalf of yourself and your affiliates, hereby agree not to assert, authorize, assist, or encourage any third party to assert, against Flute or any Flute affiliates, customers, vendors, business partners or licensors associated with the Flute Solutions, any patent infringement claim regarding the Flute Solutions or any portion, functionality or other characteristics thereof. ## 13 Flute Solutions Disclaimer. YOUR USE OF FLUTE SOLUTIONS IS AT YOUR OWN RISK. TO THE MAXIMUM EXTENT PROVIDED BY APPLICABLE LAWS, FLUTE SOLUTIONS ARE PROVIDED “AS IS”. FLUTE MAKES NO ADDITIONAL REPRESENTATION OR WARRANTY OF ANY KIND WHETHER EXPRESS, IMPLIED (EITHER IN FACT OR BY OPERATION OF LAW), OR STATUTORY, AS TO ANY MATTER WHATSOEVER. FLUTE EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUALITY, ACCURACY, NON-INFRINGEMENT, FREEDOM FROM MALWARE, TITLE, OR ANY WARRANTIES AND CONDITIONS ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM THE FLUTE SOLUTIONS WILL CREATE ANY WARRANTY OR CONDITION NOT EXPRESSLY STATED IN THIS AGREEMENT. FLUTE DOES NOT WARRANT THAT THE FLUTE SOLUTIONS ARE ERROR-FREE, COMPLETE, OR ALWAYS TIMELY, OR THAT OPERATION OF THE FLUTE SOLUTIONS WILL BE SECURE OR UNINTERRUPTED, NOR DOES FLUTE GUARANTEE ANY RESULTS. THE INFORMATION PROVIDED BY FLUTE SOLUTIONS IS FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE LEGAL, FINANCIAL, TAX, OR PROFESSIONAL ADVICE. YOU SHOULD NOT RELY ON THIS INFORMATION AS THE SOLE BASIS FOR MAKING FINANCIAL, LEGAL, OR OTHER DECISIONS, AND RELIANCE ON SUCH INFORMATION IS AT YOUR OWN RISK. YOU WILL NOT HAVE THE RIGHT TO MAKE OR PASS ON ANY REPRESENTATION OR WARRANTY ON BEHALF OF FLUTE TO ANY OTHER THIRD PARTY. SOME JURISDICTIONS DO NOT PERMIT THE DISCLAIMER OF CERTAIN IMPLIED WARRANTIES, SO CERTAIN OF THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU. TO THE EXTENT THAT FLUTE CANNOT DISCLAIM ANY SUCH WARRANTY AS A MATTER OF APPLICABLE LAWS, THE SCOPE AND DURATION OF SUCH WARRANTY WILL BE THE MINIMUM PERMITTED UNDER SUCH LAW. ## 14. Your Responsibilities. 14.1 You shall at all times comply with any operating procedures, requirements, or guidelines regarding your use of Flute Solutions. 14.2 You shall comply with the requirements of any and all applicable federal, state and local laws, regulations, rules of any payment card network or payment system, any other applicable rules, directives or guidance from governmental entities, payment card networks or applicable payment systems, or any other legal requirements or standards that are related to the use of Flute Solutions, including to those related to your use and provision of any cardholder data, customer information or other point of sale data accessed or provided in connection with the Flute Solutions, those related to you obtaining any required consent when collecting and using customer contact details to communicate with your customers through Flute Solutions, and those related to your compliance with any tax laws and regulations as result of the provision of services for Flute Solutions (collectively, “Applicable Laws”). 14.3 You shall use the Flute Solutions only in the manner permitted in these Terms or your applicable Flute Solutions agreement(s). You shall not use the Flute Solutions (collectively or any part) for any illegal purposes. 14.4 You are solely responsible for: (a) obtaining all required permits, consents, and licenses; (b) monitoring legal developments applicable to your usage of Flute Solutions and the operation of your business: (c) interpreting Applicable Laws and determining your requirements for compliance with all Applicable Laws; and (d) maintaining an ongoing compliance program. 14.5 You are solely responsible for ensuring the accuracy, quality, integrity, legality and appropriateness of all information and data regarding your business that you provide to Flute or its service providers in connection with Flute Solutions. In addition, as applicable, you are solely responsible for verifying all information and data that are loaded on to Flute Solutions equipment (or its service providers) are accurate prior to your usage of such equipment and/or Flute Solutions. Flute and its service providers disclaim any and all liability arising out of any inaccuracies with respect to any information or data that you provide.14.6 By accessing and using services for Flute Solutions, you hereby agree to the applicable respective terms and services of Apple and Google. ## 15. Limitation of Liability and Damages. 15.1 Neither Flute nor its affiliates, directors, officers, employees, agents, or subcontractors will be liable under any theory of tort, contract, or other legal theory for (a) lost profits, lost revenues, or lost business opportunities, or (b) exemplary, special, punitive, incidental, indirect, or consequential damages arising out of or related to these Terms or your applicable agreement for Flute Solutions (unless otherwise expressly stated to the contrary in your applicable agreement for Flute Solutions), each and every one of which is excluded by agreement of you and Flute, regardless of whether such damages were foreseeable or whether any person has been advised of the possibility of such damages. Unless otherwise expressly stated to the contrary in your applicable agreement for Flute Solutions, Flute’s (and its affiliates’) cumulative liability for all losses, claims, suits, controversies, breaches, or damages for any cause (including any of Flute’s indemnification obligations), regardless of the form of action or legal theory, will not exceed one thousand dollars ($1,000.00). 15.2 Without limiting the generality of the foregoing, you agree that Flute shall have no liability at all to you arising directly or indirectly from or otherwise concerning: (a) any termination, suspension, delay, or disruption of Flute Solutions (including billing for Flute Solutions) by the Internet, any common carrier, or any third-party service provider for the provision of services for Flute Solutions; (b) any failure, disruption, or malfunction of Flute Solutions, the Internet, or any communications network, facility, or equipment beyond Flute or a third-party’s reasonable control; (c) your failed attempts to access Flute Solutions or to complete transactions via Flute Solutions; or (d) any failure to transmit, obtain or collect data; for human, machine, or software errors; or faulty or erroneous input by you. ## 16. Indemnity. You will indemnify, defend, and hold Flute harmless (and Flute’s employees, directors, agents, affiliates, and representatives) from and against any and all claims, costs, losses, damages, judgments, tax assessments, penalties, interest, and expenses (including reasonable attorneys’ fees) arising out of any claim, action, audit, investigation, inquiry, or other proceeding instituted by a person or entity that arises out of or relates to: 1. any actual or alleged breach of your representations, warranties, or obligations set forth in these Terms or your applicable agreement for Flute Solutions, including any violation of our policies or the card associations’ rules; 2. your wrongful or improper use of the Flute Solutions or any Third Party Solutions; 3. any transaction submitted by you through the Flute Solutions or any Third Party Solutions (including the accuracy of any product information that you provide or any claim or dispute arising out of products or services offered or sold by you); 4. your violation of any third-party right, including any right of privacy, publicity rights or Intellectual Property Rights; 5. your use of any personal information obtained in connection with your use of the Flute Solutions, any Third Party Solutions, or any equipment that is for the provision of services for Flute Solutions; 6. the activities under your Account, or any other party’s access and/or use of the Flute Solutions, any Third Party Solutions, or equipment with your unique username, password, API key, payment keys or other appropriate security code; 7. your failure to maintain reasonable security in connection with the use of the Flute Solutions, any Third Party Solutions, or any equipment that is for the provision of services for Flute Solutions; 8. any data breach, information security incident, or the equivalent thereof that arises from your action or inaction; 9. your violation of any law, rule or regulation of the United States or any other country; or 10. any other party’s access and/or use of the Flute Solutions or any Third Party Solutions with your Account Credentials for the Flute Solutions or any software provided or approved by Flute to authenticate access to, and use of, the Flute Solutions, any Third Party Solutions, and any software. ## 17. Representation and Warranties. You represent and warrant that: 1. you are validly existing, in good standing and have the right, power, and authority to enter into and perform under these Terms; 2. any sales transaction submitted by you: (i) is genuine and arises from a genuine sale or service that you directly sold or provided, (ii) accurately describes the goods or services sold and delivered to a purchaser (including your use of Merchant Category Codes) and (iii) represents the correct amount of goods or services purchased from your business; 3. you will fulfill all of your obligations to each customer for which you submit a transaction and will resolve any consumer dispute or complaint directly with the consumer; 4. you, all transactions initiated by you, and your use of the Flute Solutions will comply with all Applicable Laws; 5. except in the ordinary course of business, no sales transaction submitted by you through the Flute Solutions will represent a sale to any principal, partner, proprietor, or owner of your entity; 6. you will not fraudulently use the Flute Solutions; 7. you have obtained all necessary and appropriate rights or given any necessary notices required for Flute to process Account Data as set forth in these Terms or your applicable agreement for Flute Solutions; and 8. using the provision of service(s) for Flute Solutions, you will not engage in and will not accept payment for any illegal activity. ## 18. Consent to Electronic Communication. 18.1 You agree that Flute, its affiliates and its third-party sales subcontractors and/or agents, may use, in addition to any live calls, an automatic telephone dialing system, an artificial or pre-recorded voice, or both, to contact you at the telephone number(s) you have provided, and/or may leave a detailed voice message if you are unable to be reached, even if the number provided is a cellular or wireless number or if you have previously registered on a Do Not Call list or requested not to be contacted for solicitation purposes. 18.2 You consent to receiving commercial electronic messages, including e-mail messages, SMS and text messages, and telephone calls, from Flute, its affiliates, and its third-party sales contractors and/or agents. ## 19. Amendment. Flute has the right to change or add to these Terms at any time, and to change, delete, discontinue, or impose conditions on any feature or aspect of the Flute Solutions upon notice that Flute deems in its sole discretion to be reasonable under the circumstances, including such notice on Flute’s website or any other website maintained or owned by Flute. Any use of the Flute Solutions after Flute’s publication of any such changes or providing notice shall constitute your acceptance of these Terms as modified. ## 20. Assignment. These Terms, and any rights or licenses granted hereunder, may not be transferred or assigned by you (including by operation of law, transfer of voting control of you or otherwise) without Flute’s prior written consent, but may be assigned by Flute without restriction. ## 21. General Provisions. These Terms are a complete statement of the agreement between you and Flute and describe the entire liability of Flute, its affiliates, its vendors, and its suppliers, and your exclusive remedy with respect to your use and access to the Flute Solutions. In the event of a conflict between these Terms and the Privacy Policy, the Privacy Policy shall prevail. These Terms shall be governed and construed in accordance with the laws of the State of Arizona without regard to its conflicts of law provisions. If any provision of these Terms is invalid or unenforceable under Applicable Laws, then it shall be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect. These Terms do not limit any rights that Flute may have under trade secret, copyright, patent, or other laws or applicable agreement related to the provision of service for Flute Solutions. Except for Flute’s affiliates and as otherwise stated herein, no persons shall be third party beneficiaries to these Terms. No waiver of any provision of these Terms shall be deemed a further or continuing waiver of such provision or any other provision, and Flute’s failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision. Notices sent to your last known e-mail address or postal address, as indicated in our records, shall constitute effective notice to you under these Terms. ## 22. Contacting Aurora. 22.1 Agreement to Arbitrate. Except as otherwise provided in this Section 22, you and Flute agree that any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation or validity thereof, or your use of Flute Solutions (collectively, “Disputes”) will be settled by binding arbitration between you and Flute, and not in a court of law. This agreement to arbitrate is intended to be broadly interpreted. 22.2 Class Action Waiver. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAWS, YOU AND FLUTE AGREE THAT EACH MAY BRING DISPUTES AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. Class arbitrations, class actions, private attorney general actions, and consolidation with other arbitrations are not permitted. If this class action waiver is found to be unenforceable, then the entirety of this arbitration provision shall be null and void. 22.3 Arbitration Procedures. The arbitration will be administered by Judicial Arbitration and Mediation Services (“JAMS”) under its Commercial Arbitration Rules. The arbitration shall be conducted by a single arbitrator. The arbitration shall take place in Phoenix, Arizona. Judgment on the arbitration award may be entered in any court having jurisdiction thereof. Payment of all filing, administration and arbitrator fees will be governed by the rules of JAMS, unless otherwise stated in these Terms. 22.4 Exceptions to Arbitration. Notwithstanding the foregoing, either party may bring an individual action in small claims court or seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation or violation of a party’s Intellectual Property Rights, Confidential Information, or proprietary rights. 22.5 30-Day Right to Opt Out. You have the right to opt out of this arbitration provision by sending written notice of your decision to opt out to the address provided in Section 23 (Contacting Flute) within 30 days after first accepting these Terms. Your notice must include your name, address, and Flute Account information. If you opt out of this arbitration provision, Flute will likewise not be bound by it. 22.6 Federal Arbitration Act. These Terms evidence a transaction involving interstate commerce, and this arbitration provision shall be governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16 (FAA), and not by state law concerning arbitration. 22.7 Exclusive Jurisdiction. For purposes of enforcing an arbitration award against Flute, or in cases where the obligation to arbitrate is not enforceable for any reason under Applicable Laws, the parties each hereby submit to the exclusive jurisdiction of the federal and state courts located Phoenix, Arizona and waive any objection to such venue. 22.8 Equitable Relief. Notwithstanding any other provision in this Section 22, you hereby acknowledge that any violation of these terms as they relate to Section 3, Section 11, and Section 12 could cause irreparable harm and damages that are impossible to calculate and therefore monetary relief alone would be an inadequate remedy. For any such breach, Flute will be entitled to seek injunctive or other equitable relief in any court of competent jurisdiction. **23. Interpretation**. When used in these Terms or other agreement incorporating these Terms, (a) “including” (and any of its derivative forms) means “including without limitation”, (b) “may” means has the right, but not the obligation to do something and “may not” means does not have the right to do something, (c) “will” and “shall” are expressions of command, not merely expressions of future intent or expectation, (d) unless otherwise expressly stated, any use of disjunctive terms such as ‘or,’ is intended as inclusive, such that if a condition requires one or more propositions to be true, more than one proposition can be true and still satisfy the condition, and (e) terms defined in the singular include the plural and vice versa. These Terms will be construed without the aid of any canon or rule of law requiring interpretation against the Party drafting or causing the drafting of an agreement or the portions of an agreement in question. **24. Contacting Flute.** If you have any questions about these Terms, please contact Flute at privacy@flute.com. Except as otherwise stated in these Terms or any applicable agreement related to the provision of service for Flute Solutions, all notices to Flute required or permitted in these Terms relating to the Flute Solutions shall be in writing and sent by postal mail to: 1215 W. Rio Salado Pkwy, Ste 107, Tempe, AZ 85281 . Notices shall be effective when actually received or, if sent by courier, when delivered. **Flute Digital Sandbox Terms:** **25. License.** 1. Subject to and conditioned upon your compliance with these Terms, Flute grants you a personal, nonexclusive, non-sublicensable, nontransferable, revocable, limited license, during the period that you have an active Flute Developer Sandbox Account pursuant to these Terms, to: (a) use, reproduce, and create derivative works of the Licensed Components solely to develop and test Applications within the Flute Developer Sandbox, provided that APIs are not modified and interoperability with the Services is maintained in accordance with the applicable documentation; (b) access and use the Flute Developer Sandbox in accordance with these Terms to test and evaluate the functionality of the Services and the interoperability of Applications with the Services. You agree that you will use the Flute Developer Sandbox for your own personal, non-commercial use only, and you do not have any license or permission to use the Flute Developer Sandbox to make decisions regarding the authorization, offer, acceptance, or processing of transactions with third parties of any kind, nor to provide reporting or other guidance to others regarding such decisions. Any reproduction or use of the Licensed Components or other Materials shall include attribution to Flute as the source and additionally shall contain all copyright and other proprietary notices or legends found on the original. 2. You agree that: (a) you are responsible for your use of the Flute Developer Sandbox and your use and handling of all Test Data, whether provided by Flute or submitted by you, as well as any data generated or derived from that data; (b) Flute has no obligation to maintain such Test Data on its servers and reserves the right to delete from its systems all such data on regular intervals without notice; (c) you may not submit or upload any personally identifiable information on or through your Flute Sandbox Developer Account (e.g., real account numbers, names, addresses, and other personally identifiable information may not be used for testing purposes); (d) you may not load test a Flute Sandbox Developer Account; (e) Flute has no obligation to monitor or validate any information submitted or uploaded by you on or through a Flute Sandbox Developer Account; (f) you may only use APIs that are specifically exposed as part of the Flute Developer Sandbox for interfacing with the Services; (g) you will provide Flute with reasonable cooperation and assistance as may be required to launch and manage your participation in any capabilities or APIs hereunder, including assigning a project manager; and (h) all Materials and other non-public information disclosed regarding the Flute Developer Sandbox constitute Flute Confidential Information. 3. Flute has no obligation to provide support, maintenance, updates, upgrades, modifications or new releases of any aspect of the Flute Developer Sandbox (“Updates”). If Flute does elect, in its sole discretion, to provide any Updates, these Terms will govern such Updates, unless accompanied by a separate license, in which case the terms of that license will govern. 4. You grant Flute and Flute affiliates a worldwide, non-exclusive, non-transferable license to use your Applications and review the code in your Applications for testing and other related purposes upon receiving a request from you or your employees to do so. 5. Flute and its affiliates may collect, transmit, maintain, process, share, disclose, and use technical and related information relating to the Flute Developer Sandbox, including information about you and your computers, system software, other software and peripherals. **26**. **Your Application.** You must either own all content used in your Application or have permission from the content owner to use it in your Application. The Application must comply with all Applicable Laws. Applications may not be designed or marketed for the purpose of harassing, abusing, stalking, threatening or otherwise violating the legal rights (such as the rights of privacy and publicity) of others, or discriminating against any class of person in an illegal manner or manner that violates regulatory guidance. **27. Termination of Account.** You may terminate your Flute Developer Sandbox Account at any time upon written notice to Flute and the cessation of your use of the Flute Developer Sandbox. Flute may terminate your Flute Developer Sandbox Account at any time. Upon termination of your Flute Developer Sandbox Account, all rights and licenses granted to you in connection with your Flute Developer Sandbox Account, including your use of the Flute Developer Sandbox and your rights to the Materials shall expire immediately. You shall immediately cease using the Flute Developer Sandbox, Confidential Information (as defined below), and any derivative work thereof, and ensure your employees do the same, and you will promptly destroy, at no cost to Flute, Flute Confidential Information and any media containing such information, and certify such destruction upon Flute’s request. **28. Flute Developer Sandbox Disclaimers** THE FLUTE DEVELOPER SANDBOX, SERVICES, AND ALL INFORMATION AND OTHER MATERIALS CONTAINED OR MADE AVAILABLE THEREIN ARE PROVIDED ON AN “AS IS”, “AS AVAILABLE”, “WITH ALL FAULTS” BASIS, WITHOUT WARRANTY OF ANY KIND. YOUR USE OF ANY OF THE FOREGOING IS AT YOUR OWN RISK. NEITHER FLUTE NOR ANY OF ITS CURRENT AND FORMER AFFILIATES, EMPLOYEES, SUCCESSORS OR ASSIGNS MAKE ANY ADDITIONAL REPRESENTATION OR WARRANTY WITH RESPECT TO THE FOREGOING, INCLUDING THAT THE SERVICES AND THE FLUTE DEVELOPER SANDBOX OR ANY INFORMATION OR MATERIALS CONTAINED OR MADE AVAILABLE THEREIN WILL BE FREE FROM HARMFUL CODE. YOU EXPRESSLY ACKNOWLEDGE THAT COMPUTER NETWORK-BASED SERVICES MAY BE SUBJECT TO OUTAGES, INTERRUPTIONS, ATTACKS BY THIRD PARTIES, AND DELAY OCCURRENCES. **29. Definitions.** “**API**” means, for purposes of these Terms, the application interface that formats, encrypts, and decrypts messages transferred between your systems and Flute’s systems as specified in the applicable documentation and which may be provided to you as part of the Flute Developer Sandbox as software in object code format or as sample code or code snippets. “**Applications**” means software programs that you use or develop to interoperate with the Services using the APIs in accordance with applicable documentation for the Flute Developer Sandbox. “**Flute Developer Sandbox**” means a repository of Materials and the license rights to use such Materials offered by Flute or its affiliates to test and evaluate the Services and to develop and test Applications that interoperate with the Services. “**Harmful Code**” means any security defect, including any malware, vulnerability, virus or any mechanism, including any worm, lock, drop-dead device, Trojan horse routine, trap door, time bomb, or any similar code or instruction that will (i) delete, disable, interfere with, or otherwise harm the software, hardware, data, or other programs or products of Flute; (ii) make the software inaccessible; or (iii) permit any third party to access Flute’ data or systems or take any of the actions described in subsection (i). “**Licensed Components**” means those APIs, sample code, build files, scripts, Test Data, and code snippets in the SDK for the Flute Developer Sandbox that are provided for incorporation into Applications to provide interoperability with the Services as expressly set forth in the applicable documentation. “**Materials**” means the Technology (including APIs, Licensed Components, and SDKs), the testing environment and Test Data made available by Flute for accessing, testing, and using the Services, and the operating instructions, user manuals, help files and other documentation, in written or electronic form, that are intended to be used in connection with any of the foregoing, in each case made available to you by Flute pursuant to these Terms. “**Modifications**” means any modifications, changes, enhancements, adaptations, combinations, alterations, corrections, error-fixes, improvements, updates, derivative works or upgrades of or to Technology or any portion or component thereof, or any inventions or patents obtained using Confidential Information disclosed in the Flute Developer Sandbox. “**SDK**” means a software development kit made available to you by or on behalf of Flute pursuant to these Terms for the Flute Developer Sandbox, including any upgrades, modified versions, updates, and/or additions thereto, if any, that may be provided or made available by Flute to you under these Terms. The SDK specifies the APIs to be used for the Flute Developer Sandbox and may include documentation, sample code, code snippets, Test Data and tools to assist in implementing and testing interoperability with the Services. “**Services**” means any of the Flute Solutions as defined in the Flute Digital Terms. “**Technology**” means any algorithms, source code, object code, applied programming interfaces, data, or electronic hardware that operates, stores, or distributes any of the foregoing or facilitates connectivity to any of the foregoing, whether hosted on Flute’s premises, on a third party premises on Flute’s behalf, or remotely in a shared capacity as a service (such as a “private cloud” or “public cloud” service), as well as any websites and all information and accounts required to operate websites.“**Test Data**” means any data made available by Flute or utilized by you for testing, simulating use of, or developing Applications under these Terms. --- ### [Evolve Merchant Agreement](https://stg-flute-staging.kinsta.cloud/evolve-merchant-agreement/) **Published:** May 28, 2026 **Author:** Nerraj Thakur **Content:** This Merchant Program Agreement (the “Agreement”) is by and between Member Bank, (“Bank”), Flute Commerce LLC. (“ISO”) and the merchant (“Merchant”) identified in the Merchant Application (“Merchant”). Merchant has completed and submitted to ISO/Bank an application for services that provides information about Merchant’s business and processing needs (the “Merchant Application”). As part of the Merchant Application, Merchant has certified that it has read this Agreement, and understands and agrees that the terms of this Agreement will be binding upon it if and when ISO/Bank approves the Merchant Application ((including the Fee Schedule attached thereto “Fee Schedule”) to receive requested services. A MERCHANT’S SUBMISSION OF A TRANSACTION TO ISO/BANK SHALL CONSTITUTE RATIFICATION OF EACH AND ALL OF MERCHANT’S OBLIGATIONS UNDER THIS AGREEMENT. ## RECITALS. ARTICLE I. GENERAL PROVISIONS. The General Provisions set out in this Article I govern the relationship between ISO/Bank and Merchant for all services provided by or through ISO/Bank. The subsequent sections of this Agreement define the terms of service for different service offerings of the ISO/Bank and shall apply to Merchant at such time that Merchant commences receiving such services. 1. COMPLIANCE WITH RULES AND ISO/BANK GUIDELINES. Merchant agrees to comply with and be subject to all Rules of MasterCard International, Inc., (“MasterCard”), Visa International (“VISA”), JCB, International (“JCB”), Discover Network (“Discover Network”), American Express (“AMEX”) and the National Automated Clearing House Association (“NACHA”), as they may exist from time to time and as applicable to Merchant’s activities under this Agreement. Merchant also agrees to comply with all guidelines, policies and procedures for services provided to Merchant by ISO/Bank from time to time. Additional information and links to locations where Merchant can see or obtain copies of the Rules are located on the Banks website. ## MERCHANT UNDERSTANDS AND ACKNOWLEDGES THAT DISCOVER, AMEX, JCB, NACHA AND OTHER SERVICES ARE NOT PROVIDED TO IT BY MEMBER ISO/BANK, BUT ARE INSTEAD PROVIDED BY THIRD PARTIES. FOR PIN DEBIT TRANSACTIONS, SUCH THIRD PARTIES MAY INCLUDE SPONSORING OR ACQUIRING ISO/BANKS THAT ARE NOT RELATED TO ISO/BANK. THE PROVISIONS OF THIS AGREEMENT REGARDING DISCOVER NETWORK CARD TRANSACTIONS, AMEX CARD TRANSACTIONS, JCB CARD TRANSACTIONS, NACHA TRANSACTIONS, OR ANY OTHER NON-ISO/BANK CARD TRANSACTIONS CONSTITUTE AN AGREEMENT SOLELY BETWEEN MERCHANT AND THIRD PARTIES. ISO/BANK IS NOT A PARTY TO THIS AGREEMENT INSOFAR AS IT RELATES TO SUCH. THEREFORE, in consideration of the representations and agreements by Merchant and the mutual promises contained in this Agreement, Merchant and ISO/Bank agree as follows: 2. MERCHANT SALES. 1. Honoring Cards. Subject to the Operating Regulations and to Merchant Operating Guide (as defined in Section 3.A below), Merchant will promptly honor without discrimination any valid Cards properly presented for payment for goods and services provided by Merchant under the terms of this Agreement and under the terms of any agreement between Merchant and any Other Card Sponsor. 2. Advertising. Merchant will adequately display Card service marks (“Marks”) and promotional materials available from ISO/Bank or Other Card Sponsors to inform the public which Cards will be honored at Merchant’s place(s) of business. Merchant’s right to use or display Card Marks will continue while this Agreement remains in effect or until Merchant is notified by ISO/Bank, a Network, or an Other Card Sponsor to cease their use and display. Merchant may use the Marks on promotional, printed or broadcast materials only to indicate that Cards are accepted for payment and shall not indicate, directly or indirectly, that any Card Association endorses any goods or services of Merchant. Merchant may not refer to any Card in stating eligibility for its products, services, or membership. 3. Prohibitions. Except as provided under the Operating Guidelines and applicable law, Merchant shall not charge Cardholder a service, finance, carrying charge or other amount for any Card transactions in addition to the price and other amounts that would have been charged for the transaction had it been for cash Merchant will not make cash advances on Cards or honor Cards for any purpose other than bona fide sales or leases of merchandise or services or both made in the ordinary course of Merchant’s business consistent with current practices. Except as provided under the Operating Guidelines, Merchant will not establish minimum or maximum transaction amounts for sales to Cardholders as a condition for transactions with Cards. 3. AUTHORIZATIONS AND PREPARATION OF CARD ITEMS. 1. Merchant Operating Guide. Merchant acknowledges receiving a copy of the Operating Guide (the “Merchant Operating Guide”), which is incorporated herein and made a part of this Agreement by this reference. Merchant agrees to follow all procedures set forth in Merchant Operating Guide, as it may be amended from time to time, including without limitation, the authorization procedures and the procedures for preparation of Card Items to be presented to ISO/Bank. As used in this Agreement, the term “Card” means sales drafts, credit vouchers, and similar documents and items used in connection with processing Card transactions, whether physically imprinted or electronically printed; and Card “transaction” refers to credits as well as debits to Cardholders. 2. Account. Merchant will establish and maintain an Account at a depository institution approved by ISO/Bank. Merchant will maintain sufficient funds in the Account to satisfy all obligations, including the fees, Chargebacks and returns contemplated by this Agreement. Merchant irrevocably authorizes ISO/Bank to debit the Account for fees, Chargebacks, returns, fines and any other penalties or amounts owed under this Agreement. In the event the Account lacks sufficient funds, Merchant and Guarantors authorize ISO/Bank, without notice, to debit any ISO/Bank account in their name(s) or the name of any affiliated entity. Merchant must obtain prior consent from ISO/Banks to change the Account. If Merchant does not obtain such consent, ISO/Bank may immediately terminate this Agreement and may take other action necessary to protect its interests. 1. ISO/Bank will settle all valid Card transactions to the Account subject to the terms of this Agreement. Merchant authorizes ISO/Bank to initiate reversal or adjustment entries and initiate or suspend such entries. 2. ISO/Bank, in its sole discretion, shall grant Merchant provisional credit for Card transaction amounts, subject to receipt of final payment by ISO/Bank and subject to all Chargebacks and other amounts owed to ISO/Bank under this Agreement. 3. Merchant authorizes ISO/Bank to initiate debit/credit entries to the Account, as the Account may be changed from time to time and to any other account maintained by Merchant at any institution, all in accordance with this Agreement. In the event Merchant changes the Account, this authorization will apply to the new Account. This authorization will be effective until both: (i) ISO/Bank has received written notification from Merchant terminating this authorization, and (ii) all obligations of Merchant to ISO/Bank has been paid in full. Merchant may be required to provide to ISO/Bank with a voided Account check and/or fill in the required Account numbers on Merchant Application. 4. If the Account is closed or is otherwise unavailable to ISO/Bank for ACH debit, Merchant consents to ISO/Banks locating additional deposit accounts or assets by using any means legally available. In this event, Merchant waives all rights to their privacy in favor of ISO/Bank until such time as all unpaid Chargebacks and fees owed to ISO/Bank have been paid in full. 3. Reserve. In addition to any other rights granted to ISO/Bank under this Agreement, Merchant hereby authorizes ISO/Bank to establish a Reserve Account, with or without prior notice to Merchant, at any time prior to, during or after termination of this Agreement, to ensure the recovery of any liabilities owed it or reasonably anticipated by ISO/Bank in its sole discretion to be owed by Merchant pursuant to this Agreement. ISO/Bank may also require as a condition of providing continued services, that Merchant fund and maintain a Reserve Account with ISO/Bank as security against any costs, losses or expenses incurred by ISO/Bank in connection with the provision of services to Merchant. Merchant’s obligation to maintain any Reserve Account shall survive the termination of this Agreement by a period of two hundred seventy (270) days (or longer depending on Merchant’s product and business practices) during which time ISO/Bank’s right, title and interest therein shall continue. In addition Merchant further agrees: 1. Liabilities to be paid from the Reserve Account include, but are not limited to, those arising out of actual and/or potential post termination Chargebacks, as well as any and all post-termination fees, charges and expenses due or anticipated to be due ISO/Bank from Merchant. 2. The Reserve Account shall be in such amount ISO/Bank deem reasonable under the circumstances. The Reserve Account may be funded and/or replenished by ISO/Bank by withholding from Merchant’s Card transaction proceeds, and/or withholding or withdrawing from, or freezing all or any part of, the Account and/or any other deposit accounts maintained by Merchant wherever found by any means legally available. Unless ISO/Bank agree otherwise in writing with Merchant, the Reserve Account shall not bear interest. 3. ISO/Bank may enforce its right, title and interest in the Reserve Account without notice or demand being first made to Merchant. ISO/Bank right to sums owed them by Merchant pursuant to this Agreement shall in no way be limited by the balance or existence of the Reserve Account. ISO/Bank’ right, title and interest with respect to the Reserve Account shall survive the termination of this Agreement. 4. ISO/Bank may exercise its rights under this Agreement to collect any amounts due to ISO/Bank including, without limitation, rights of set-off and recoupment. Merchant shall have no right to withdraw funds or debit the Reserve Account. 5. It is stipulated and agreed that the funds placed in the Reserve Account are trust fund monies legally and exclusively held for the benefit of ISO/Bank. In the event of ISO/Bankruptcy proceedings, ISO/Bank may exercise its rights under this Agreement to debit the Reserve Account for amounts due ISO/Bank regardless of the pre-petition or post-petition nature of the amount due ISO/Bank. In the event of a ISO/Bankruptcy proceeding, Merchant also agrees that it will not contest any motion for relief from the automatic stay which ISO/Bank may file to debit the Reserve Account. 6. (vi) ISO/Bank may retain funds in the Reserve Account for as long as Merchant may be liable to make payments under this Agreement. Funds are typically retained in the Reserve Account for a minimum of two hundred seventy (270) days from the date of the oldest Card transaction in question or the date of termination, whichever is longer, and may be retained longer depending on the nature of Merchant’s Card transaction activity. ISO/Bank will have sole control of the Reserve Account. In the event of a ISO/Bankruptcy proceeding ISO/Bank do not consent to the assumption of this Agreement. Nevertheless, if this Agreement is assumed, Merchant agrees that in order to establish assurance of future performance within the meaning of 11 U.S.C. Sec 365, as amended from time to time, Merchant must establish a Reserve Account in an amount satisfactory to ISO/Bank 4. Reservation of Rights. ISO/Bank reserves the right to withhold payments for Card transactions or to chargeback the Card Item (as provided in Section 4 below) if, for any reason, ISO/Bank questions the validity or collectability of that transaction. Merchant shall have no recourse against ISO/Bank for these actions. 5. Merchant Discount, Fees and Fines; Cardholder Credits and Chargebacks. Merchant shall pay to ISO/Bank the fees and charges set forth on the Merchant Application, and any separate schedule of fees. The various fees and charges listed on the Fee Schedule are referred to herein as “Merchant Discount and Fees.” Interchange qualification 6 requirements, as defined by the Operating Regulations, shall be used to determine Merchant Discount and Fees for Card Items. Merchant will have higher Merchant Discount and Fees for Card Items which do not meet the best rate qualification criteria. Merchant hereby authorizes ISO/Bank, from time to time as it may determine, to debit the Account the amounts owed by Merchant hereunder, including, without limitation, Merchant Discount and Fees, Cardholder credits, chargebacks and any fees, charges, fines, assessments, penalties, or other liabilities that may be imposed on Merchant from time to time by a Card Association pursuant to its Operating Regulations or by ISO/Bank pursuant to this Agreement, but ISO/Bank’s right to debit the Account shall not be ISO/Bank’s exclusive remedy to collect amounts due it. Without limiting the generality of the foregoing, ISO/Bank shall have the right to pass through any fines to Merchant and impose any additional reserves, sanctions or other requirements upon Merchant which may be imposed by any Card Association with respect to Card transactions involving Merchant or otherwise arising in connection with this Agreement. Any fees, fines, penalties and assessments passed through to Merchant shall be in addition to damages incurred by ISO/Bank and reimbursed by Merchant. Merchant will reimburse ISO/Bank, as the case may be, within one (1) business day after receipt of notice of the occurrence of any overdrafts that may result from ISO/Bank’s debiting of the Account… ISO/BANK MAY MODIFY ALL FEES PAYABLE BY MERCHANT UNDER THIS AGREEMENT, INCLUDING THOSE DETAILED IN THE MERCHANT APPLICATION AND ANY SEPARATE SCHEDULE OF FEES, BY PROVIDING NOTICE TO MERCHANT OF CHANGES TO SUCH FEES 4. MERCHANT REPRESENTATIONS AND WARRANTIES. Merchant represents and warrants to ISO/Bank as follows: 1. Merchant has all necessary registrations and approvals required to perform its duties under this Agreement, and Merchant has not been asked to leave or been terminated for cause by any other provider of merchant services. 2. The information which Merchant has provided to ISO/Bank concerning its business, including, but not limited to, the information set out in Merchant Application which is attached hereto, is true and correct, the financial information which Merchant has provided to ISO/Bank is true and correct as of the date of preparation thereof and, since the date thereof, there has been no material adverse change in the financial condition of Merchant. 3. If Merchant is other than an individual or sole proprietorship (as indicated in the Merchant Services Account Application and Fee Schedule), Merchant is duly organized, validly existing and in good standing under the laws of the jurisdiction of its organization and every other jurisdiction in which it is required to do so. Merchant has full power and authority to own, lease and operate its business and properties and to enter into and perform this Agreement. Merchant is qualified to do business and is in good in each jurisdiction where the nature of the activities conducted by it or the character of the properties owned or leased by it makes such qualification necessary. 4. All organizational action on the part of Merchant necessary for the authorization, execution, delivery and performance of this Agreement has been taken. This Agreement (when the Fee Schedule was or is signed by or on behalf of Merchant) constitutes or will 7 constitute a legal, valid and binding obligation of Merchant enforceable in accordance with its terms. The signing person is duly authorized to execute any document or take any action on behalf of Merchant under or pursuant to this Agreement. 1. Merchant has all licenses, if any, required to conduct its business and is qualified to do business in every jurisdiction where it is required to do so. 2. There is no action, suit or proceeding at law or in equity now pending or to Merchant’s knowledge, threatened by or against or affecting Merchant which would substantially impair its right to carry on its business as now conducted or adversely affect its financial condition or operations. 3. Unless Merchant notifies ISO/Bank in writing (either on the Merchant Application or otherwise) and is approved by ISO/Banks, no other processing relationship for any of the services offered by ISO/Banks under this Agreement may exist between Merchant and another Card processing institution, for any business owned or operated by Merchant. 4. (1) the taxpayer identification number (“TIN”) provided on the Merchant Application is Merchant’s true and correct TIN; (2) Merchant is not subject to backup withholding because (a) Merchant is exempt from backup withholding, (b) Merchant has not been notified by the IRS that it is subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified Merchant that it is no longer subject to backup withholding, and (3) Merchant is a citizen of the United States of America (“U.S.”) or other U.S. person. (For federal tax purposes, Merchant is considered a U.S. person if Merchant is: an individual who is a U.S. citizen, or U.S. resident alien, partnership, corporation, company or association created or organized in the United States or under the laws of the United States, and estate (other than a foreign estate), or a domestic trust (as defined in the Internal Revenue Code section 301.7701-7.)) 5. No owner, officer, director, employee or agent of Merchant is a current or former “senior” official in the executive, legislative, administrative, military, or judicial branch of any government (elected or not); or an official of a political party; or an executive of a government-owned commercial enterprise; or a family member of any of the foregoing officials; or a close personal or professional associate of any foregoing officials. 5. COVENANTS OF MERCHANT. 1. Merchant agrees to observe and comply with applicable Operating Regulations and the Merchant Operating Guide, as they are in effect from time to time, and such other procedures as ISO/Bank may prescribe for Card transactions under this Agreement. This Agreement is expressly made subject to such rules, regulations, and procedures. Merchant agrees to maintain in good standing all registrations and approvals required by Operating Regulations, as they may be in effect from time to time, throughout the term of this Agreement, including without limitation, the payment of any registration fees, dues or assessments as may be required by any Card Association from time to time. 2. Merchant will comply with applicable laws and regulations with respect to sales by Merchant and acceptance of Card Items. 3. Merchant agrees: (i) to preserve all records pertaining to Card transactions and Card Items for two (2) years from the date of origination of such items, and allow ISO/Bank to examine, copy, and verify such items, (ii) within five (5) calendar days following receipt of ISO/Bank’s retrieval request, to send copies of Card Items and records pertaining to any Card transaction to ISO/Bank by first-class mail or electronic medium, and (iii) to execute and to file such statements and notices as ISO/Bank may request to preserve or protect the interests of ISO/Bank under this Agreement. 4. Merchant agrees that, if Merchant is performing electronic commerce processing and accepting Cards for good or services sold over the Internet, Merchant will post its consumer data privacy policy and its method of transaction security in public view on its website. 5. Merchant will not disclose to third parties (other than to Merchant’s agents for the purpose of assisting Merchant in completing the transaction or as specifically required by law) any Cardholder’s account information, account number or other personal information, without obtaining the prior written consent of the Cardholder on a document other than a Card Item. In the case of electronic databases where Cardholder’s account information, account number or other personal information related to the Card transaction is contained, this information must be returned to ISO/Bank or proof of destruction of this data, by an authorized signer of Merchant, must be provided to ISO/Bank when Merchant is no longer in business. Under no circumstances can Cardholder-related information be sold, given or transferred to any third party. Merchant will adopt procedures to store and maintain Card Items, records and dated information in a safe, secure and confidential manner. At such time as Merchant is no longer required to preserve records pertaining to Card transactions, Merchant shall destroy such records (including Card imprints, transaction records and carbons) in a manner rendering data unreadable. Merchant shall notify and provide ISO/Bank with particulars within one (1) Business Day following Merchant’s receipt of information indicating or suggesting that there has been a breach of Merchant’s data system or paper records that has or may have resulted in an unauthorized disclosure of any information regarding one or more Card transactions or Cardholders, and in connection with any such breach or suspected or possible breach, will cooperate with ISO/Bank and law enforcement officials in any reasonable way. 6. Safeguarding of Information. (i) Merchant and its agents shall be in full compliance with Rules adopted by any Card Association relating to the privacy and security of Cardholder and Card transaction data, including without limitation the Payment Application Data Security Standard (“PA DSS”) and the Payment Card Industry Data Security Standard (“PCI DSS”), as they may be amended from time to time. Information pertaining to such requirements may be found at [https://www.pcisecuritystandards.org.](https://www.pcisecuritystandards.org/) PCI DSS and other industry aligned validation requirements collectively form the basis for each of the following Card Association compliance programs, with which Merchant must also comply: (i) the Cardholder Information Security Program (“CISP”) – VISA’s data security program; 9 (ii) the Site Data Protection (“SDP”) – MasterCard’s data security program; and (iii) the Discover Network Information Security and Compliance (“DISC”) – Discover Network’s data security program. Additionally, Merchant shall be responsible for demonstrating compliance by its agents for these programs. 2. Merchant shall be liable for all fines, charges and penalties that may be assessed by any Card Association as a result of transactions made by Merchant or Merchant’s noncompliance with the preceding requirements. Merchant also acknowledges that it may be prohibited from participating in Card Association programs if it is determined that Merchant is non-compliant. Merchant acknowledges that it may be subject to, and ISO/Bank retain the right, to conduct or cause to be conducted an audit to verify Merchant’s compliance with the foregoing security requirements. Merchant must notify ISO/Bank within twenty-four (24) hours after becoming aware of (i) any suspected or actual data security breach or (ii) any noncompliance by Merchant with the security requirements set forth herein. In such event, if requested by ISO/Bank or Card Association, Merchant shall, at its own expense, (a) perform or cause to be performed an independent investigation of any data security breach of Card or Card transaction data by an authorized assessor acceptable to ISO/Bank, (b) take all such remedial actions recommended by such investigation, by ISO/Bank or by VISA or MasterCard, and (c) cooperate with ISO/Bank in the investigation and resolution of any security breach. 3. Merchant will not, under any circumstances, disclose any Cardholder’s account number nor any information relating to any Cardholder’s account number or any Sales Drafts or Credit Vouchers which may have been imprinted with any Card to any person other than ISO/Bank, or as required by law. Merchant agrees not to store, distribute, copy or otherwise manipulate card account numbers or PINs that appear, are encoded or are otherwise associated with Cards. All electronic commerce Merchants must provide Cardholders with a secure transaction method, such as Secure Sockets Layer (SSL) or 3- D Secure. Further, Merchant agrees to store (to the extent such storage is permitted) any and all material containing Cardholder account numbers, imprints or information in a secure manner, in an area limited to selected personnel, and to destroy such numbers, imprints, and information before discarding in a fashion that renders the data unreadable and unrecoverable. Neither Merchant nor any of its agents shall retain or store the full contents of any track on the Magnetic-Stripe, or equivalent data on the Contactless Payment chip, subsequent to Authorization of a Card transaction. 4. Merchant must notify ISO/Bank of any third party agent of Merchant that will have any access to Cardholder data. 5. Merchant understands and agrees that due to requirements of law, Card receipts may not contain (i) more than the last five digits of the credit card account number; and (ii) that the Card receipt may not contain the expiration date. 6. If Merchant sells goods or services on the Internet, Merchant’s web site must contain Merchant’s consumer privacy policy and a description of Merchant’s method of safeguarding consumer transaction data. 7. Merchant must fully cooperate with ISO/Bank and Card Associations if Merchant is undergoing a forensic investigation at any time with regard to the Account. 8. Account Access Password. (i) If Merchant receives a user identification name or password from ISO/Bank to access ISO/Bank’s database or use services offered by ISO/Bank, Merchant will: (i) keep the user identification name and password confidential; (ii) not allow any other entity or person to use the user identification name or password or gain access to ISO/Bank’ database; (iii) be liable for all action taken by any user of the user identification name or password; and (iv) promptly notify ISO/Bank if Merchant believes the user identification name or password have been used inappropriately or the confidentiality of the information made available through their use has been compromised. (ii) Merchant agrees that any loss incurred as a result of any party gaining access to Account or ISO/Bank’ website using information which that party was not authorized to obtain or using such information in a manner not permitted by this Agreement (including but not limited to improper or unauthorized use of Merchant’s ID number and PIN) shall be the responsibility of Merchant. 8. Privacy. ISO/Bank will have access to the data associated with Merchant’s use of the service. ISO/Bank will handle this information in accordance with their privacy policies. 9. Merchant agrees to furnish to ISO/Bank upon seven (7) days’ notice such financial statements and information concerning Merchant or its affiliates as ISO/Bank may from time to time request. Merchant authorizes ISO/Bank to make such inquiries and obtain such reports as ISO/Bank deems appropriate to verify information furnished to ISO/Bank, including, without limitation, obtaining credit reports, verification of information contained therein, and verification of references. Upon not less than three (3) business days prior notice given to Merchant and during Merchant’s normal business hours, ISO/Bank or its duly authorized representatives may inspect the business premises of Merchant and may examine that part of the books and records of Merchant that pertain to Card transactions and Merchant’s practices regarding Card transactions. 10. Merchant agrees to provide ISO/Bank thirty (30) days’ prior written notice of its intent to: 1. Liquidate and/or transfer or sell any 10% or more of its total assets; ( ii) Change the basic nature of its business or its capital structure; 3. Change the location of its business headquarters; or 4. Add or delete any services Merchant acquires from ISO/Bank under this Agreement, including without limitation, Merchant’s decision to commence or to terminate acceptance of any type of Card for which ISO/Bank provides Merchant Program. 11. Merchant will promptly notify ISO/Bank of any change of title or position (including any termination of employment) of the persons who have signed this Agreement or the Fee Schedule. 12. Merchant shall promptly notify ISO/Bank of the addition or deletion of Merchant locations. 13. During the term of this Agreement, Merchant will use ISO/Bank as its sole source for processing and crediting Card Items and for obtaining authorizations for Card transactions except as otherwise agreed by ISO/Bank and Merchant in writing. 14. Merchant will not use any authorization system made available to Merchant under this Agreement in connection with any transaction as to which Merchant does not intend or expect to consummate a Card transaction with the Cardholder. 15. Merchant agrees that it will not accept Card transactions that are illegal in the jurisdiction where Merchant is located, in the jurisdiction where the transaction is consummated, or in any other jurisdiction affected by the Card transaction. Merchant will not accept any Card transaction in connection with any Internet or online gambling transaction, whether or not gambling is legal in any applicable jurisdiction. ISO/BANK reserves the right to withhold payments for Card transactions or to chargeback the Card Item (as provided in Section 4 below) if, the ISO/BANK, in its sole and absolute discretion, believes such Card Item is related to an illegal transaction or an Internet or online gambling transaction. Merchant shall have no recourse against ISO/BANK for these actions. 16. INDEMNITY; LIMITED LIABILITY. 1. Merchant’s Indemnification. Merchant shall indemnify ISO/Bank, the respective Card Associations and the participants therein against any and all claims, demands, losses, damages, liability, actions, costs, judgments, arbitration awards and expenses (including reasonable attorneys’ fees), to which such parties may be subjected arising in whole or in part from any Card transaction involving Merchant (including, but not limited to, any chargebacks under applicable Operating Regulations), any act or omission of Merchant in connection with any such transaction, use of any Third-Party Vendor, any breach of this Agreement by Merchant, Merchant’s or any Third-Party Vendor’s violation of applicable laws or Operating Regulations, any return of goods, price adjustment or other dispute with or claim by a Cardholder with Merchant (whether or not such Cardholder’s claim is valid), including, but not limited to, claims or losses of any Cardholder or of any third party, or any breach of Merchant’s data or paper records system that has or may have resulted in an unauthorized disclosure of any information regarding one or more Card transactions or Cardholders. Without limiting the generality of the foregoing, Merchant agrees that it shall be solely responsible for its actions in honoring or refusing to honor Cards and in retaining Cards in accordance with Merchant Operating Guide; and Merchant will indemnify, defend and hold the Card Associations, ISO/Bank and other members of the Card Associations harmless from any claim, loss or liability arising from any injury to persons, property or reputation which occurs as a result thereof. 2. Limitation of Remedies. ISO/Bank will use due care in its performance under the Agreement and it will, at its own expense, correct any data in which (and to the extent that) errors have been made by ISO/Bank’s personnel, or by malfunctions of ISO/Banksupplied Software or Equipment which are not due to Merchant’s error, acts or omissions. However, the expense to ISO/Bank of correcting such data shall constitute ISO/Bank’s only responsibility in connection with such errors or in connection with any other performance or nonperformance by ISO/Bank under this Agreement. If ISO/Bank undertakes to correct any error caused by a Third-Party Vendor, ISO/Bank shall not have any liability with respect thereto. ISO/Bank’s liability to Merchant with respect to any Card transaction shall not in any event exceed the amount of that transaction, and ISO/Bank SHALL IN NO EVENT BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES, INCLUDING LOSS OF PROFITS, LOSS OF BUSINESS OR OTHER ECONOMIC DAMAGE AND FURTHER, INCLUDING INJURY TO PROPERTY. ISO/Bank shall have no responsibility or liability whatsoever for errors or omissions caused by any Merchant or third party providing services, software or equipment to Merchant for use in Card transactions. If Merchant engages ISO/Bank or its designee to load Software on Equipment, which may involve reconfiguring other software used by Merchant, Merchant agrees that the ISO/Bank’s sole responsibility in connection therewith shall be to use good faith efforts to reconfigure Merchant-provided software and/or the Software so that they will function together. In the event of malfunction of the Software and/or Merchant-provided software as a result of such reconfiguration or attempted reconfiguration, the ISO/Bank’s sole responsibility shall be to use good faith efforts to correct any malfunction and/or otherwise reasonably to cooperate with Merchant to correct any malfunction, (the foregoing is not really standard for a merchant agreement- can we delete- see the below) 1. MERCHANT AGREES AND ACKNOWLEDGES THAT ISO/BANK SHALL HAVE NO LIABILITY, EITHER IN TORT, CONTRACT OR IN COMBINATION THEREOF, FOR CLAIMS ARISING FROM TRANSACTIONS PROCESSED UNDER THIS AGREEMENT EXCEPT IN THE CASE OF GROSS OR WILLFUL MISCONDUCT ON THE PART OF ISO/BANK. ANY SUCH CLAIMS ARE SUBJECT TO LIMITATIONS SET FORTH BELOW AND IN NO EVENT SHALL ISO/BANK BE LIABLE FOR SPECIAL, CONSEQUENTIAL, INDIRECT OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS, REVENUES OR LOST BUSINESS OPPORTUNITIES. 2. THE LIABILITY, IF ANY, OF ISO/BANK, UNDER THIS AGREEMENT WHETHER TO MERCHANT OR TO ANY OTHER PARTY, WHATEVER THE BASIS OF LIABILITY, SHALL NOT EXCEED IN THE AGGREGATE THE DIFFERENCE BETWEEN (I) THE AMOUNT OF FEES PAID BY MERCHANT TO ISO/BANK DURING THE MONTH IN WHICH THE TRANSACTION OUT OF WHICH THE LIABILITY AROSE OCCURRED, AND (II) ASSESSMENTS, CHARGEBACKS, RETURNS AND ANY OFFSETS AUTHORIZED UNDER THIS AGREEMENT AGAINST SUCH FEES WHICH AROSE DURING SUCH MONTH. IN THE EVENT MORE THAN ONE MONTH WAS INVOLVED, THE AGGREGATE AMOUNT OF ISO/BANK LIABILITY SHALL NOT EXCEED THE LOWEST AMOUNT DETERMINED IN ACCORD WITH THE FOREGOING CALCULATION FOR ANY ONE MONTH INVOLVED. IN NO EVENT WILL THE LIABILITY OF ISO/BANK UNDER THIS AGREEMENT EXCEED $50,000. 3. EXCEPT AS EXPRESSLY PROVIDED HEREIN, ISO/BANK MAKE NO OTHER WARRANTY, EXPRESS OR IMPLIED, REGARDING THE SOFTWARE AND SERVICES, AND NOTHING CONTAINED IN THIS AGREEMENT WILL CONSTITUTE SUCH A WARRANTY. ISO/BANK DISCLAIM ALL IMPLIED WARRANTIES, INCLUDING THOSE OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND TITLE. ISO/BANK FURTHER DO NOT REPRESENT OR WARRANT THAT THE SERVICES WILL ALWAYS BE AVAILABLE, ACCESSIBLE, UNINTERRUPTED, TIMELY, SECURE, ACCURATE, COMPLETE, OR ENTIRELY ERROR-FREE. ISO/BANK FURTHER EXPRESSLY DISCLAIM ANY LIABILITY FOR UNAUTHORIZED ACCESS OF FACILITIES OR TO MERCHANT’S DATA OR PROGRAMS DUE TO ACCIDENT, ILLEGAL OR FRAUDULENT MEANS OR DEVICES USED BY ANY THIRD PARTY, OR OTHER CAUSES BEYOND ISO/BANK’ REASONABLE CONTROL. 4. Limitation of Warranties. THE EXPRESS WARRANTIES AND EXPRESS REPRESENTATIONS SET FORTH IN THIS AGREEMENT ARE IN LIEU OF, AND ISO/BANK DISCLAIMS, ANY AND ALL OTHER WARRANTIES, CONDITIONS OR REPRESENTATIONS (EXPRESS OR IMPLIED, ORAL OR WRITTEN), WITH RESPECT TO THE SOFTWARE OR EQUIPMENT OR ANY PART THEREOF, INCLUDING ANY AND ALL IMPLIED WARRANTIES OR CONDITIONS OF TITLE, NONINFRINGEMENT, MERCHANTABILITY, OR FITNESS OR SUITABILITY FOR ANY PURPOSE (WHETHER OR NOT ISO/BANK KNOWS, HAS REASON TO KNOW, HAS BEEN ADVISED OR IS OTHERWISE IN FACT AWARE OF ANY SUCH PURPOSE), WHETHER ALLEGED TO ARISE BY LAW, BY REASON OF CUSTOM OR USAGE IN THE TRADE, OR BY COURSE OF DEALING. IN ADDITION, ISO/BANK EXPRESSLY DISCLAIMS ANY WARRANTY OR REPRESENTATION TO ANY PERSON OTHER THAN MERCHANT WITH RESPECT TO THE SOFTWARE, EQUIPMENT, OR ANY PART THEREOF. 7. ASSIGNMENT. Merchant shall not transfer, assign or otherwise convey this Agreement or its rights or obligations hereunder without the prior written consent of ISO/Bank, and any purported assignment without ISO/Bank’s consent shall be void. Subject to the foregoing, this Agreement shall be binding upon and inure to the benefit of the parties hereto and their successors and assigns. If ISO/Bank shall assign this Agreement to another ISO/Bank or processor which is a member of a Network and that such assignee assumes the obligations of ISO/Bank hereunder, the assignor shall have no further duties or obligations to Merchant hereunder, and the assignee shall succeed to the rights, duties and obligations of ISO/Bank hereunder. 8. TERM; TERMINATION. 1. Unless terminated as hereinafter provided, the initial term of this Agreement (the “Initial Term”) shall be Three (3) years. This Agreement shall be automatically renewed as of the day following the end of such Initial Term and at each subsequent anniversary thereof for successive renewal terms of one (1) year each. Either party shall have the right however, to terminate this Agreement without cause effective as of the last day of the Initial Term or any subsequent anniversary thereof by giving at least sixty (60) days prior written notice of termination to the other party. Merchant agrees that, in order for Merchant to terminate this Agreement prior to the end of the Initial Term or any subsequent renewal term, Merchant must pay any Early Termination Fee applicable pursuant to the Fee Schedule. 2. This Agreement shall be terminated automatically (i) in the event of the insolvency, ISO/Bankruptcy, or appointment of a receiver for the other party to this agreement, (ii) if a Network prohibits Merchant from presenting Card Items to ISO/Bank, in accordance with its respective Operating Regulations, (iii) if at any time ISO/Bank reasonably determines, in its absolute discretion, that there is an unacceptable level of risk from the processing of Merchant’s Card transactions, or (iv) upon the termination of ISO/Bank’s membership in a Card Association (provided that termination of ISO/Bank’s membership with a particular Card Association shall terminate this Agreement only with respect to such services and this Agreement shall remain in effect with respect to all non-terminated Card Associations). 3. Notwithstanding the foregoing, ISO/Bank shall have the right to terminate this Agreement at any time effective immediately by giving notice of such termination to Merchant if (i) Merchant shall be in default of any of its duties or obligations hereunder (including, but not limited to, its obligation to comply with applicable provisions of the Operating Regulations), (ii) ISO/Bank shall reasonably deem itself insecure in the prospect of payment by Merchant of amounts due ISO/Bank hereunder, or (iii) Merchant shall default in the prompt payment or performance of any other liabilities or obligations from time to time owed to ISO/Bank. 4. Any liability of a party arising prior to termination of this Agreement shall survive termination of this Agreement, including, without limitation: (i) Merchant’s obligations to pay chargeback liabilities for all transactions that occurred prior to the termination of the Agreement, even if the chargeback is processed or presented after the date of termination; and (ii) all of Merchant’s existing obligations, warranties, and agreements with respect to Card Items delivered before such termination, credit vouchers executed in connection therewith, and continuing obligations imposed by governmental regulations or Operating Regulations. Notwithstanding anything in this Agreement to the contrary, ISO/Bank’s security interest in the Account granted by Merchant in Section 4 of this Agreement, ISO/Bank’s right to debit the Account as set forth in Section 4 of this Agreement, ISO/Bank’s general right of setoff, and Merchant’s indemnification obligations set forth in Section 9 of this Agreement shall survive the termination of this Agreement. The right of Merchant to generate and submit Card Items under this Agreement representing debits, and to use equipment, advertising, and forms provided under this Agreement, other than in fulfilling Merchant’s continuing obligations as hereinabove specified, will cease immediately upon termination of this Agreement. Within thirty (30) days after termination of this Agreement Merchant shall return all promotional materials, forms, Software and Equipment acquired from ISO/Bank (other than forms, Software and Equipment purchased from ISO/Bank) and all related materials provided under this Agreement to the address specified in this Agreement for notices to ISO/Bank. 5. NOTICES. All notices provided for under this Agreement shall be in writing and shall be sent by personal delivery, by nationally recognized overnight courier service (marked for next day delivery), by U.S. mail, to the party hereto to whom notice is being given at the address set forth on the Fee Schedule (marked to the attention of the person indicated with such address), or to such other person and address as either party hereto shall designate to the other by written notice given in the foregoing manner. ISO/Bank may also send notices under this Agreement to Merchant electronically to the Merchant’s e-mail address in ISO/Bank’s records. Any notice by personal delivery or email shall be effective upon receipt. Any notice by overnight courier service shall be effective on the date specified for such delivery. Any notice by U.S. mail shall be effective upon receipt or three (3) days after mailing, whichever is earlier. 10. GOVERNING LAW. This Agreement shall be governed by, construed and enforced in accordance with the laws of Alabama (without regard to internal principles of conflicts of law) and applicable federal law; provided, however, if ISO/Bank assigns this Agreement to a successor, subsidiary or affiliated corporation, or to a third party, after notice has been provided to Merchant, the Agreement shall be governed, construed and enforced from the effective date of assignment by the laws of the state in which that assignee maintains its principal offices. 11. VENUE OF ACTIONS. No suit or action shall be commenced by Merchant, by any guarantor, or by any successor, personal representative or assignee of any of them, with respect to any of the matters to which this Agreement relates or any transactions entered into or processed under or pursuant to this Agreement, other than in a state or federal court of competent jurisdiction in and for Jefferson County, Alabama, and not elsewhere. Nothing contained in this paragraph shall prohibit ISO/Bank from instituting suit in any court of competent jurisdiction for the enforcement of its rights hereunder. 12. WAIVER OF RIGHT TO TRIAL BY JURY. EACH PARTY TO THIS AGREEMENT HEREBY EXPRESSLY WAIVES ANY RIGHT TO TRIAL BY JURY OF ANY CLAIM, DEMAND, ACTION OR CAUSE OF ACTION ARISING UNDER THIS AGREEMENT OR ANY OTHER INSTRUMENT, DOCUMENT OR AGREEMENT EXECUTED OR DELIVERED IN CONNECTION HEREW ITH, OR IN ANY WAY CONNECTED WITH OR RELATED OR INCIDENTAL TO THE DEALINGS OF THE PARTIES HERETO OR ANY OF THEM WITH RESPECT TO THIS AGREEMENT, OR ANY TRANSACTIONS ENTERED INTO OR PROCESSED UNDER OR PURSUANT TO THIS AGREEMENT, IN EACH CASE WHETHER NOW EXISTING OR HEREAFTER ARISING; AND EACH PARTY HEREBY AGREES AND CONSENTS THAT ANY SUCH CLAIM, DEMAND, ACTION OR CAUSE OF ACTION SHALL BE DECIDED BY COURT TRIAL WITHOUT A JURY, AND THAT ANY PARTY TO THIS AGREEMENT MAY FILE AN ORIGINAL COUNTERPART OR A COPY OF THIS SECTION WITH ANY COURT AS WRITTEN EVIDENCE OF THE CONSENT OF THE PARTIES HERETO TO THE WAIVER OF THEIR RIGHT TO TRIAL BY JURY. NOT APPLICABLE IN CALIFORNIA. 13. NO WAIVER. Failure on the part of ISO/Bank to assert any of its rights or to assert against Merchant any of Merchant’s duties, responsibilities, obligations or liabilities under this Agreement or the Merchant Operating Guide, on either an occasional or continuing basis shall not be construed as a waiver thereof by ISO/Bank, and such rights, duties, responsibilities, obligations or liabilities may be asserted by ISO/Bank at any time. 14. INDEPENDENT CONTRACTOR. Neither party will be acting as the agent of the other in connection with any of the matters herein provided. Rather, each party is an independent contractor with respect to the other party. 15. FORCE MAJEURE. Neither ISO/Bank nor Merchant shall be responsible for delays in processing or other nonperformance caused by such events as fires, telecommunications failures, equipment failures, strikes, riots, war, nonperformance of ISO/Bank’s or Merchant’s vendors or suppliers, acts of God or other causes over which ISO/Bank or Merchant has no control. Merchant acknowledges, however, that delays, non-performance or malfunctions, whether or not resulting from causes beyond the control of either party hereto, may result in charging of higher rate of Merchant Discount and Fees under the Fee Schedule and that Merchant shall not be excused or relieved from paying such higher rate even if such delay, non-performance or malfunction is beyond Merchant’s control. 16. EXHIBITS. The Fee Schedule, Merchant Operating Guide, and any exhibits or schedules referenced herein or attached hereto, are hereby incorporated as part of this Agreement. 17. MODIFICATION. This Agreement and the materials incorporated in this Agreement by reference constitute the entire Agreement between ISO/Bank and Merchant with respect to the subject matter of this Agreement. All modifications or amendments of this Agreement must be in writing to be effective. ISO/Bank may modify, add provisions to or delete provisions from (“Change”) this Agreement at any time (including but not limited to any of Merchant Discount and Fees set out on the Fee Schedule and the Merchant Operating Guide) by giving to Merchant not less than fifteen (15) days’ prior written or electronic notice of such Change. Notwithstanding the foregoing, any Change to this Agreement which is necessary to prevent noncompliance with applicable law or as required by the Operating Regulations (including any third party pass-throughs) shall be effective on the date required by such Operating Regulations or law. Tendering of any Card Item by Merchant after the effective date of any Change constitutes acceptance of such change. If Merchant does not wish to accept any Change, Merchant must cease tendering Card Items prior to the effective date of such Change and notify ISO/Bank in writing of Merchant’s intention to terminate participation in the Program, as provided in and subject to Section 11 below. 18. ENTIRE AGREEMENT. This Agreement, together with all materials incorporated herein by reference and any addenda signed by the parties, sets forth the full and complete understanding of the parties with respect to Card transactions. 19. PAYMENT CARD INDUSTRY DATA SECURITY STANDARDS. 1. Qualification of Merchant System. 1. Compliance. Merchant will successfully validate compliance with any and all security and compliance requirements related to Cardholder data. Merchant acknowledges and understands that such security and compliance requirements are evolving, and Merchant shall adhere to the then-current set of requirements. 2. Requirements. The current set of security and compliance requirements are the Payment Card Industry Data Security Standards (PCI DSS) as defined by VISA USA, MasterCard International, and Discover Network. The PCI DSS currently requires merchants to successfully complete the PCI questionnaire and pass, on a quarterly basis, vulnerability scans of all external facing systems that store, process or transmit Cardholder information. Merchant understands that the Cardholder copy of transaction receipts must be truncate, so as to display no more than the last five (5) digits of the Card number and displaying no expiration date of the Card and that Merchant is fully responsible for contacting ISO/Bank should merchant not be in compliance with this requirement. Merchant shall secure and protect all transaction receipts by various measures, including but not limited to limiting access to transaction receipts to certain individuals within the business that requires the information contained on the receipt for legal business practices and securing transaction receipts from potential theft. 3. Actions. Merchant is required by the PCI DSS to engage a qualified security assessor to perform the PCI compliance validation. Merchant shall provide, and authorizes the qualified security assessor to release, any and all information and documentation, in a timely fashion, to include vulnerability scan reports, related to the PCI assessment to both ISO/Bank and the Card Associations. Merchant is required to select a qualified security assessor as deemed approved by the ISO/Bank and the Payment Card Associations to perform compliance validation for Merchant, as well as provide a cost effective and efficient reporting structure to communicate Merchant’s compliance status. See the following Network websites for current set of PCI requirements and authorized PCI assessors. - [www.visa.com](http://www.visa.com/) - [www.mastercard.com](http://www.mastercard.com/) - [www.discovernetwork.com](http://www.discovernetwork.com/) 4. Failure to Comply. If Merchant fails to achieve or maintain PCI Compliance, this Agreement maybe terminated at the sole discretion of ISO/Bank at any time due to the increased risk to Cardholder data and possible subsequent Card Association fines. If Merchant fails to maintain compliance for any reason, then Merchant shall within thirty (30) days take the appropriate action to address any and all non-compliant findings with the questionnaire, vulnerability scans or other requirements. 5. Responsibility of Merchant. Merchant acknowledges that PCI compliance may not prevent a breach of or intrusion into any of Merchant systems and environment, and possible subsequent Payment Card Association fines. Merchant further acknowledges that the PCI compliance does not replace a merchant’s own information security program, and that it is the sole and exclusive responsibility of Merchant to be vigilant in maintaining and updating its security posture on a continuous basis to protect card holder data. 2. Breach of Data. 1. Notification. In the event of a suspected or confirmed breach of Cardholder data, Merchant is required to immediately notify ISO/Bank. Merchant acknowledges and agrees to comply with the Card Association requirements related to a breach of Cardholder data which may include engaging an authorized Card Association Independent Incident Response Assessor (see the VISA link above and click on “If Compromised”). Merchant shall provide and authorizes the Independent Incident Response Assessor to release any and all information and documentation related to the Incident Response Investigation, as expeditiously as possible as required by the Card Association, to the ISO/Bank, Card Association, and/or law enforcement. 2. Merchant Cooperation. Merchant agrees to fully cooperate with such investigation to include complying with all Card Association and ISO/Bank requirements and which includes, but is not limited to, mitigation efforts to contain any further unauthorized release of Cardholder data. Merchant further acknowledges and understands that any Service Provider that Merchant utilizes to store, process or transmit Cardholder data on its behalf is also required to be PCI complaint. (See VISA link above and click on “CISP Complaint Service Providers”). 3. Fines & Penalties. Merchant is solely responsible for any fines or penalties levied by the Card Association related to the use of any non-complaint Service Provider, non-compliant POS software application and/or the breach of Cardholder data. Merchant further acknowledges and understands that any Point of Sale (POS) Software Application that Merchant utilizes to store, process or transmit Cardholder data on its behalf is also required to meet VISA’s Payment Application Best Practices (PABP) (See VISA link above and click on “List of CISP Validated Payment Applications”). Merchant Operating Guide 1. IDENTIFICATION PROCEDURES. 1. Card Security Features. Before honoring any Card, Merchant shall: 1. Check the effective date (if any) and the expiration date on the Card; 2. Examine any Card security features included on the Card (such as a hologram) to detect counterfeits or tampering, DO NOT ACCEPT ANY CARD THAT HAS HAD ITS SECURITY FEATURES REMOVED OR ALTERED; 3. Compare the first four digits of the embossed account number on any VISA Card to the four digits printed below the account number on the Card, compare the account number, if any, printed on the signature panel of any MasterCard, or the three digit number printed on the signature panel of any Discover Network Card to the account number embossed on the Card, and for all Cards compare the account number displayed on the electronic data capture terminal and/or printed on the Card Item to the account number embossed on the Card. 4. Verify the unique embossed symbol located next to the expiration date: on each Classic, Business and Gold VISA Card, and on each MasterCard and on each Discover Network Card. 5. Verify the signature panel on the back of the Card has a repetitive pattern of the “VISA” or “MasterCard” word mark and “Discover Network,” when held under an ultraviolet light, the word Discover or Discover Network will appear on the front of all Cards. If the signature panel on the Card is blank, Merchant must authorize the transaction and also review positive photo identification bearing the Cardholder’s signature ( such as an unexpired passport or driver’s license) to validate the Cardholder’s identity. Merchant must indicate the positive identification, including any serial number and expiration date, on the Card Item. The Cardholder is required to sign the signature panel of the Card prior to completing the transaction. A signature panel with the words “See I. D.” or equivalent language is considered blank. Merchant shall not complete a Card transaction if it detects any of the above listed situations. In the case of counterfeits or tampering (subparagraph (ii) above) or if the numbers are not the same (subparagraph (iii) above), or if a Card, the Cardholder, or a transaction seems suspicious Merchant should hold the Card if it can do so safely. Using a telephone, call the voice authorization number provided by ISO/Bank, and ask for a “Code 10” authorization. An operator will tell Merchant what to do. 2. Cardholder Identification. Merchant acknowledges that it understands that there is an increased risk in completing a sale under circumstances where the Cardholder fails to present a Card to Merchant, and that ISO/Bank discourages Card transactions under such circumstances. Merchant will exercise reasonable diligence to determine that the authorized signature on any Card presented corresponds to the signature on the Card Item and that the Cardholder resembles the person depicted in any picture which appears on the Card, if any. Merchant will not honor Cards presented by persons other than the proper person as evidenced by the authorized signature on the Card. If a transaction is completed by Merchant without a Card being physically presented, Merchant shall establish the true identity of the Cardholder as the authorized holder of such Card by obtaining evidence of his identity and noting such evidence on the applicable Card Item. The fact that Merchant has obtained authorization for the transaction does not avoid the need for such identification. Except as above provided and except in cases where Merchant is suspicious that fraudulent or unauthorized use of a Card is being made or attempted, Merchant shall not require Cardholders to provide personal information, such as home or business telephone numbers, address or drivers license number as a condition to honoring the Card. 2. AUTHORIZATION PROCEDURES. 1. Authorizations. Merchant will obtain authorization from ISO/Bank or its designee either by telephone, dial terminal or electronically for each Card transaction. Merchant will record the authorization number given by ISO/Bank or its designee on the Card Item and will complete the transaction only after receiving the necessary authorization. Merchant will not complete any Card transaction which ISO/Bank or its designee refuses to authorize. The fact that an authorization code is obtained does not affect ISO/Bank’s rights to revoke payment or otherwise require repayment of the transaction under the terms of this Agreement. In no event shall the fact that an authorization code was obtained by Merchant be deemed to be ISO/Bank’s representation that the particular Card transaction is in fact a valid, authorized or undisputed transaction entered into by the Cardholder or an authorized user of the Card. 2. Transactions When the Cardholder and the Card Are Not Present. For any transaction in which both the Card and the Cardholder are not present, Merchant MUST use the Address Verification Service (AVS). This includes mail, telephone or other non-present situations that Merchant may need to ensure the transaction is not fraudulent. Such situations could result in a loss to Merchant in the form of a chargeback. The process of AVS is to include a portion of the Cardholder’s billing street address and Zip code in the authorization request. Along with the authorization response, Merchant will receive a code that the address has matched in whole or in part. Although AVS is not a substitute for an authorization or a guarantee against loss, AVS information can be used to make an informed decision about the Cardholder and the transaction before releasing Merchant’s goods or services, thereby reducing the risk of loss to Merchant. In any event, it is Merchant’s responsibility to ensure it knows its customer is the true and correct Cardholder. 3. Transactions When the Card Will Not Read Using a Terminal. For any transaction in which the magnetic strip of the Card is unreadable using an electronic terminal, Merchant should consider using the Address Verification Service (AVS). In many situations an unreadable Card could be a counterfeit Card. Such situations could result in a loss to Merchant in the form of a chargeback. The process of AVS, for this purpose, is to include the Cardholder’s billing Zip code in the authorization request. Along with the authorization response, Merchant will receive a code that the code has matched. Although AVS is not a substitute for an authorization or a guarantee against loss, AVS information can be used to make an informed decision about the Cardholder and the transaction before releasing Merchant’s goods or services, thereby reducing the risk of loss to Merchant. In any event, it is Merchant’s responsibility to ensure it knows its customer is the true and correct Cardholder. 4. Retaining Cards. If so requested by ISO/Bank or other designated person from whom authorization is requested, Merchant will endeavor to retain the Card by reasonable and peaceful means. Merchant agrees that it shall be solely responsible for its actions in retaining Cards. 5. Special Authorization Procedures. The following are specific authorization procedures for certain types of merchants: 1. mail/phone order transactions may obtain authorizations on any day up to seven (7) calendar days prior to the transaction date (shipment date is considered to be the transaction date). This authorization will be valid if the Card Item amount is within 15 percent of the authorized amount, provided that the additional amount represents only shipping costs. 2. restaurant authorizations are valid if the Card Item amount is plus or minus 20 percent of the authorized amount. 3. automated fuel dispenser transactions must obtain an authorization for the exact amount of the Card Item or use the Status Check Procedure. The Status Check Procedure requires Merchant to request an authorization for $1 and the Card Item amount to be no more than $50. 4. PREPARATION OF CARD ITEMS. 1. Execution. For each transaction covered by this Agreement, Merchant will make a record of the transaction by preparing a paper Card Item on forms approved by ISO/Bank. 1. The Card Item shall legibly contain the Cardholder’s name, account number, expiration date, Merchant’s name and place of business, the date of transaction, the amount, identification of merchandise or services and such other information as shall be required by ISO/Bank or Card Association. In the case of a Card Item related to certain business credit cards, an accounting code provided by the Cardholder will need to be 22 listed. When a Card is present at the time of the transaction but the data contained on the magnetic stripe cannot be read by an electronic card reader, the Card Item must include a physical imprint of the data embossed on the front of the Card. If the physical imprint does not contain the embossed characters from the Card, DO NOT complete the transaction. 2. Merchant will obtain the signature of the Cardholder on the Card Item, but the Cardholder shall not be required to sign the Card Item until the total transaction amount is known and indicated on the Card Item. In the case of transactions by mail or telephone in lieu of such signature, Merchant shall write “mail order,” or “telephone order” as applicable. 3. Merchant will deliver a true and complete copy of the Card Item to the Cardholder at the close of each transaction unless otherwise agreed in writing by ISO/Bank. 2. Special Preparation of Card Items. Merchant will include all items of goods and services purchased or leased in a single transaction in the total amount of a single Card Item except when the balance of the amount due is paid by the Cardholder at the time of sale in cash or by check or both, or when the Cardholder elects to participate in one of the special transactions as defined below. The following are special procedures for Merchants who have received specific written authorization from ISO/Bank to perform these type of transactions: 1. As used herein, a “Delayed Delivery Transaction” means a transaction in which the first Card Item is completed as a deposit for the goods or services and payment of the balance is tendered by completion of a second Card Item. The latter Card Item will be conditioned upon delivery of merchandise or performance of services. Authorization is required for each Card Item, and separate authorization numbers will be assigned to each Card Item. Merchant will note on the Card Items the words “Delayed Delivery Deposit” and “Delayed Delivery Balance,” as appropriate, and both the authorization date and the transaction date. Duration between deposit and balance can not exceed one year. 2. As used herein, an “Installment Transaction” means a transaction from a mail/telephone Merchant in which payment is spread equally over multiple Card Items. Authorization is required for each Card Item, and separate authorization numbers will be assigned to each Card Item. Duration of an Installment Transaction can not exceed one year. In offering Cardholders the Installment Transaction option, the following conditions must be met. 1. Written disclosure of the terms to the Cardholder, including but not limited to, whether the Installment Transaction is limited to certain goods or services, the shipping/handling charges and any applicable tax, and 2. ensure that the sum of all the Installment Transaction does not include any finance charge or exceed the total price of the goods or service, and 3. the first installment must not be deposited until the shipment date and each interval is 30 calendar days or more apart or on the monthly anniversary of the shipment date. 3. As used herein, a “Recurring Transaction” means a payment for goods or services of an ongoing nature to a Cardholder. Authorization is required for each Card Item, and separate authorization numbers will be assigned to each Card Item. Merchant will note on the Card Items the words “Recurring Transaction” and both the authorization date and the transaction date. In offering Cardholders a Recurring Transaction the following conditions must be met. 1. Obtain from the Cardholder, in written form, an authorization for goods or services to be applied to their account. The written form can be a preprint order form but must include the transaction amount, frequency of the recurring transaction, and the duration of time for which the Cardholder permission is granted. Duration of the Cardholder’s permission cannot exceed one year. 2. Subsequent order forms are required for each renewal or additional recurring transaction. Merchant shall retain the order forms and will make available to ISO/Bank upon request. 3. Merchant must not include partial payments for goods or services in a single Recurring Transaction, include any financial charges, or complete a Card Item after receiving a negative response or cancellation notice from the Cardholder. 4. If the Card Item will be varying amounts, the order form must allow the Cardholder to specify a minimum and maximum amount per transaction, unless the Cardholder will be notified of the amount and the date of each transaction at least ten (10) calendar days prior to the each scheduled Card Item date. The Cardholder may choose to receive notification for every transaction, only when the amount is outside of the amounts specified on the order form, or when the amount will differ from the most recent amount by more than an agreed-upon amount. 4. As used herein, a “Preauthorized Health Care Transaction” means a transaction for goods or services for which the Cardholder has provided written permission to the health care Merchant to process Card Items. Authorization is required for each Card Item, and separate authorization numbers will be assigned to each Card Item. Merchant will note on the Card Items the words “Preauthorized Health Care.” In offering Cardholders a Preauthorized Health Care Transaction, the following conditions must be met. 1. Obtain from the Cardholder, in written form, a request for the service, an assignment of the Cardholder’s insurance benefits to the health care Merchant and an authorization for the health care Merchant to deposit a Card Item for only that portion of the bill due subsequent to Merchant’s receipt of any applicable insurance payment. The written form can be a preprint form. Duration of the Cardholder’s permission cannot exceed one year. 2. Subsequent order forms are required for each renewal or additional Preauthorized Health Care Transaction. Merchant shall retain the order forms and will make available to ISO/Bank upon request. 5. **Customer Credit and Refunds**. Merchant will make no cash refunds to purchasers on Card transactions except for an Express Payment Services Transaction or when the recipient received the purchase as a gift from the Cardholder. If a price adjustment is allowed or any merchandise is returned, Merchant will complete a Card Item evidencing a credit to the Cardholder’s account. Merchant shall deliver such Card Item to ISO/Bank within 24 hours after preparation of such Card Item. Merchant will not present a Card Item representing a credit to a Cardholder’s account where there has not previously been presented to ISO/Bank a Card Item representing a debit in an amount equal to or greater than the Card Item representing the credit. Merchant shall be required to give credit on returns of merchandise unless the Card Item issued at the time the merchandise was purchased bears these words legibly printed in letters approximately 1/4 inch high near the space provided for the Cardholder’s signature: 1. “No Refund,” in which case Merchant is permitted to decline to make refunds to Cardholder; or 2. “Exchange Only,” in which case Merchant is permitted to allow the Cardholder to make only immediate exchanges for other merchandise purchased from Merchant; or 3. “In-Store Credit Only,” in which case Merchant is permitted to allow a store credit, for use only in Merchant’s place of business. In the case of “In-Store Credit Only” transactions, Merchant shall institute internal procedures which shall keep accurate account of amounts due the Cardholder. 4. PRESENTMENT OF CARD ITEMS. 1. **Delivery of Merchandise and Performance of Services**. Except in the special cases discussed above, Merchant shall not present a Card Item to ISO/Bank until the merchandise has been delivered, the services have been fully performed and Merchant has otherwise performed all of its obligations to the Cardholder in connection with the transaction. 2. **Presentment**. All presentments of Card Items by Merchant to ISO/Bank will be by electronic transmission in the form and manner approved by ISO/Bank. Card Items shall be presented within twenty-four (24) hours of the transaction date shown on the Card Item. Merchant shall balance and transmit the Card transactions contained in each terminal daily except on days when Merchant’s place of business is closed. 5. **EXPRESS PAYMENT SERVICE.** 1. **Service Availability.** The Express Payment Service is limited to restaurants, motion picture theaters, and parking facilities. In all cases Merchant must have written approval from ISO/Bank to use this service. 25 2. **Processing Requirements.** Merchant must process all Express Payment Service transactions at a magnetic-strip reading terminal, the transaction cannot be key entered to qualify for this service. For each transaction the Card Item must contain the Card Account Number, transaction date, and the transaction amount. 1. For transactions of $25 or less, Merchant is not required to obtain the Cardholder’s signature on the Card Item, or to provide a receipt for the transaction to the Cardholder, unless the Cardholder requests one. Merchant must prominently display at least one sign advising Cardholders that transaction receipts are available upon request. 2. Transactions greater than $25 do not qualify for Express Payment Service and need to comply with the Operating Procedures for such transactions. 6. **TRANSACTIONS REQUIRING A PERSONAL IDENTIFICATION NUMBER (PIN).** 1. **Compliance**. Merchant will comply with the applicable Operating Regulations and with applicable federal, state and local law, rules and regulations, including, without limitation, the Electronic Funds Transfer Act and Regulation E of the Board of Governors of the Federal Reserve System. Transactions using a PIN must have the Cardholder and Card present at the time of the transaction. Only the Cardholder can input information into a PIN pad. 2. **Execution**. If the electronic terminal requests the Cardholder to enter their personal identification number (PIN) the following procedures need to be followed by Merchant. 1. Each transaction requiring a PIN must be submitted for on-line electronic authorization initiated by the use of a magnetic stripe reader to read the full unaltered contents of the Card. 2. The Cardholder shall be required to enter his or her PIN through a PIN pad, approved by ISO/Bank, located at the point-of-sale. 3. Each PIN pad shall be situated so as to permit Cardholders to input their PINs without revealing them to other persons, including Merchant personnel. 4. Merchant shall instruct its personnel that; 1. they shall under no circumstances ask any Cardholder to disclose his or her PIN; 2. they nevertheless shall not create or maintain any record of such PIN and shall not disclose such PIN to any other person. 5. For each Card Item, in which a PIN was used, a receipt in conformity with Regulation E shall be made available to the Cardholder. 6. If a Card Item, in which a PIN was used, is discovered to be in error after the Cardholder is no longer present, Merchant’s only solution will be to contact ISO/Bank by means of a written request from Merchant to ISO/Bank. The request for adjustment must 26 reference a settled Card Item in which a PIN was used. The adjustment must be completed within forty-five (45) calendar days after the date of the original Card Item. 7. **PROCEDURES IN EVENTS OF DISPUTE.** To assist in the resolution of any dispute arising from the use of Merchant Operating Procedures, Merchant shall retain for 9 months, and make available within ten (10) days of ISO/Bank’s request, all pertinent records pertaining to each transaction in question, including but not limited to Card Items, order forms, itemized bills, authorization requests and other related documents. Merchant will have 90 calendar days from the date of their statement to dispute any transaction, discount, or other items. 8. TRANSMISSION, PRESENTMENT AND PAYMENT OF CARD ITEMS. 1. Certain Transactions Authorized and Transmitted Only. The Cards for which ISO/Bank will provide authorization and transmission only are designated on the Fee Schedule. Notwithstanding any other term or provision hereof, with respect to the Cards for which ISO/Bank is to provide authorization and transmission only (including Discover, American Express, Carte Blanche, Diner’s Club and JCB), ISO/Bank’s only involvement is and shall be to receive from Merchant’s locations transactions arising from the use of such Cards and to transmit them to the applicable Other Card Sponsor. ISO/Bank will not pay for nor settle with Merchant for transactions involving such Cards and shall have no further obligation or responsibility with respect thereto. Merchant shall be responsible for obtaining any consent required by the Other Card Sponsors which issue such Cards, shall comply with all terms and provisions of its agreements with such Other Card Sponsors and any applicable Operating Regulations, and shall indemnify ISO/Bank from any loss, cost or damage with respect thereto. The provisions of the remaining subparagraphs of this Section 3 shall not apply to Card Items arising from use of Cards designated for authorization and transmission only, but shall apply to all other Card Items. 2. Presentment of Card Items. Merchant agrees to present all Card Items electronically to ISO/Bank, and to follow the procedures set forth in the Merchant Operating Guide in presenting Card Items to ISO/Bank. Merchant shall not deliver to ISO/Bank, directly or indirectly, any Card Item where there is, or would be upon presentment, breach of any warranty of presentment under the provisions of this Agreement as to that Card Item. Merchant agrees to bear the entire risk of loss or destruction of Card Items until ISO/Bank receives such Card Items in a format acceptable to it. Merchant’s right to review, question or dispute Merchant’s delivery of Card Items to ISO/Bank or ISO/Bank’s receipt of any Card Items delivered from Merchant shall be limited to a period of ninety (90) calendar days following the transaction date of the Card Item. 3. Endorsement of Card Items. The electronic presentment of any Card Item to ISO/Bank will be deemed an endorsement of such Card Item by Merchant to ISO/Bank, and ISO/Bank is hereby authorized to place Merchant’s electronic or physical endorsement on, or to process on Merchant’s behalf without any endorsement, any such Card Item at any time. Subject to ISO/Bank’s right to revoke provisional credit, and subject to Merchant’s duty to repay ISO/Bank for chargebacks under Section 4, the presentment to ISO/Bank of any Card Items 27 by Merchant for payment by ISO/Bank shall be final as to Merchant, so that Merchant has no right, title or interest in and to Card Items presented to ISO/Bank, or to any copy thereof. 4. ISO/Bank’s Right to Payment on Presented Items. Except as provided below in this subsection, ISO/Bank will have the sole right to receive payment on Card Items presented to ISO/Bank; Merchant agrees not to sue, not to attempt to collect on such Card Items, in any manner, and not to receive any funds on account of any Card Items presented to ISO/Bank; if Merchant nevertheless receives any funds on a Card Item presented to ISO/Bank, Merchant will hold the funds in trust for the benefit of ISO/Bank and pay them to ISO/Bank promptly on receipt. In any case where ISO/Bank shall have charged back a Card Item to Merchant and Merchant shall have paid ISO/Bank for such Card Item, these restrictions will not apply. 5. Representations and Warranties of Presentment. As to each Card Item presented to ISO/Bank and as to the transaction evidenced by any such Card Item, Merchant represents and warrants to ISO/Bank that: 1. the Card Item represents a bona fide sale or lease of merchandise or services provided by Merchant to customers presenting their Cards for use in payment therefor in the ordinary course of Merchant’s business; 2. the Card transaction does not represent a refinancing of an existing debt of the Cardholder; 3. unless ISO/Bank shall have previously agreed in writing, the Card used in the Card transaction was not issued to Merchant, any owner of Merchant (if a proprietorship), any general partner of Merchant (if a partnership) or any officer of Merchant (if a corporation); 4. the transaction and the authorization, preparation and presentment of the Card Item comply with the terms and conditions set out in the applicable Operating Regulations and this Agreement, including the Merchant Operating Guide; 5. the Card Item has not previously been presented to ISO/Bank or any other ISO/Bank or processor of Card transactions. 6. **Credit to Merchant.** Upon presentment of a Card Item to ISO/Bank, in the form specified by ISO/Bank, and subject to the terms, conditions, warranties, and Merchant’s obligations set out in this Agreement, and subject to applicable Operating Regulations, ISO/Bank will process such Card Item through the appropriate clearing system. Upon receipt of settlement of credit by ISO/Bank for such Card Item, ISO/Bank will cause the Account to be credited on a daily basis with an amount equal to the credit received by ISO/Bank in respect of the Card Item processed, net of any fees and refund credits issued to Cardholders, and all other adjustments received for posting that day, but ISO/Bank shall have no responsibility to Merchant for the failure of any Third Party ISO/Bank to properly account to Merchant for any amounts so credited nor for Merchant’s inability to obtain such funds from the Third Party ISO/Bank for any reason. All credit to the Account from time to time shall be provisional and is subject at all times to hold, reversal and/or chargeback pursuant to this Agreement. If ISO/Bank either suspects or has reason to believe that Merchant has breached 28 any agreement, representation or warranty under or pursuant to this Agreement, ISO/Bank may suspend making payments or credits to Merchant hereunder pending ISO/Bank’s investigation and resolution of any such matter 1. the Card Item arises out of bona fide sale or lease of merchandise or services permitted by law to be sold or leased by Merchant, and the transaction otherwise complies with all governmental rules and regulations binding upon or applicable to Merchant; 2. Merchant has no knowledge or notice of information to indicate that the enforceability or collection of the subject Card Item is in any manner impaired; 3. Merchant has no knowledge or notice of information to indicate that the transaction is fraudulent or not authorized by the Cardholder; 4. the person who presents a Card or Card number for use in a Card transaction (whether in person, by telephone or by mail) is in fact the Cardholder to whom the Card was issued or has been duly authorized by the Cardholder to use the Card in the transaction with Merchant; 5. the Card Item does not arise out of any gambling transaction consummated over the Internet; and 6. the information on the Card Item is accurate and correct, and the Card Item is free from any alteration not authorized by the Cardholder. 7. MERCHANT ASSURES THAT THE PERSON INITIATING ANY CARD TRANSACTIONS CONDUCTED WITHOUT A CARD BEING PHYSICALLY PRESENT, INCLUDING WITHOUT LIMITATION TELEPHONE, MAIL ORDER, INTERNET, RECURRING AND OTHER TRANSACTIONS, IS THE PROPER HOLDER OF THE CARD, EVEN WHEN AUTHORIZATION HAS BEEN OBTAINED FROM ISO/BANK OR AN APPROPRIATE AUTHORIZATION CENTER. IN OTHER WORDS, SHOULD THE PROPER CARDHOLDER DISPUTE ENTERING INTO THE TRANSACTION CONDUCTED WITHOUT A CARD BEING PHYSICALLY PRESENT, THE TRANSACTION MAY BE CHARGED BACK TO MERCHANT PURSUANT TO SECTION 4.A(xi) BELOW, WHETHER OR NOT THE TRANSACTION WAS AUTHORIZED 9. **THIRD-PARTY VENDORS.** 1. **Forms.** ISO/Bank or its designee shall make available for purchase by Merchant the forms and supplies used to create Card Items, such as roll paper, ribbons, sales and credit drafts, and other transactions between Merchant and Cardholders, and between Merchant and ISO/Bank, if any, at the then current price determined by ISO/Bank. 2. Equipment. Merchant may select terminals, printers and other equipment (“Equipment”) for use in processing Card transactions and other related payment services either from a vendor referred by ISO/Bank (“Referred Equipment Vendor”) or from another 29 vendor of Merchant’s choosing (“Other Equipment Vendor”) provided that any such Other Equipment Vendor and the Equipment sold/leased by it shall have been first approved by ISO/Bank and the equipment has been certified and is supported by ISO/Bank’s service providers. Merchant hereby authorizes ISO/Bank to make ACH debits to Merchant’s Account for any Equipment purchase, installment or lease payments due to the Referred Equipment Vendor in the manner described in Section 3.H; and ISO/Bank shall be fully exonerated in relying on any billing or other statement of charges submitted to it by the Referred Equipment Vendor. 3. Software. Merchant may select software and related user materials (“Software”) for use in processing Card transactions from ISO/Bank (“Referred Software Vendor,”) or from another vendor of Merchant’s choosing (“Other Software Vendor”); provided, however, that the Other Software Vendor and the Software supplied by it shall have been first approved by ISO/Bank. Any such Other Software Vendor shall be the agent of Merchant for delivery of Card transactions to ISO/Bank or ISO/Bank’s service providers. Merchant shall be liable to ISO/Bank for any loss, damage, cost or fee resulting from any failure of any Software, including that acquired from a Referred Software Vendor, to comply with applicable Operating Regulations, including any failure which results in a chargeback to Merchant. 4. Effect of ISO/Bank Consent. ISO/Bank’s right to approve Merchant’s use of an Other Equipment Vendor or Other Software Vendor and ISO/Bank’s selection of Referred Equipment Vendors and Referred Software Vendors, (collectively, the “Third-Party Vendors”) are intended solely for the benefit of ISO/Bank. No such approval, consent or selection shall be construed as a representation or warranty by ISO/Bank regarding the ability of such Third Party Vendors to comply with Operating Regulations or to provide Software, Equipment or services meeting Merchant’s needs. ISO/Bank reserves the right to revoke its consent to Merchant’s use of any Software or Equipment or other vender at any time. Notwithstanding any consent or recommendation by ISO/Bank to Merchant regarding Equipment, Software or Third-Party Vendors, the selection and use of any thereof shall be strictly at Merchant’s risk. 10. **CHARGEBACKS, SECURITY INTEREST, DISCOUNTS AND FEES TO ISO/BANK. (OP Guide)** 1. **Chargebacks.** If Merchant has received payment for a Card Item, upon demand by ISO/Bank, Merchant will repay to ISO/Bank the amount of the subject Card Item if ISO/Bank reasonably determines that any of the following circumstances has occurred: 1. any Card Item for which ISO/Bank credited the Account fails or allegedly fails in any manner to comply with the terms and conditions of this Agreement (including, but not limited to the Merchant Operating Guide and/or warranties of presentment contained herein), with applicable Operating Regulations, or with any law, statute, or governmental regulation, which failure or alleged failure results in a chargeback to ISO/Bank by the Card issuer; 2. any Cardholder asserts any dispute, claim, counterclaim, defense or set-off against Merchant respecting any merchandise or service or both purchased or leased by use of a Card, whether or not such assertion is valid; 3. the Card Item or any material information it contains is illegible, incomplete, or unsigned or is not presented to ISO/Bank within the required time limits; 4. the Card Item contains a counterfeit or altered account number, or the Card had expired or was invalid on the transaction date (regardless of whether an authorization code was obtained for the transaction), or the Card is damaged and prevents the use of the security features such as photo, signature or magnetic stripe; 5. the required authorization of the transaction (either by voice authorization or electronically) was not obtained, or a valid authorization code is not correctly and legibly printed on the Card Item; 6. an imprint of the Card was required at the time of the transaction but was not obtained, including when the Card’s magnetic stripe cannot be read during the process of completing a transaction; 7. the Card Item is a duplicate of an item previously paid; 8. the Cardholder disputes the execution of the Card Item, the sale, delivery, quality or performance of the merchandise or services purchased, or alleges that a credit adjustment was requested and refused or that a credit adjustment was issued by Merchant but not posted to the Cardholder’s account; 9. the price of the merchandise or services shown on the Card Item differs from the amount shown on the copy of the Card Item delivered to the Cardholder at the time of the transaction; 10. the Card Item has been charged back to ISO/Bank for any reason by or through VISA, MasterCard, Discover Network or Other Card Sponsor, as applicable; or otherwise charged back for any reason under applicable Operating Regulations; 11. the Card Item was prepared without a card being physically present, including without limitation telephone, mail order, internet, recurring and other transactions, and the proper holder of the Card, according to the Card issuer, disputes entering into or otherwise authorizing the transaction; or 12. ISO/Bank has requested copies of Card Items or other records referred to in Section 7.C of this Agreement, and Merchant has failed to provide the copies in the time period allowed. Merchant authorizes ISO/Bank to obtain such repayment by debiting from the Account for the face amount of such Card Item and crediting such amount to ISO/Bank, all without prior notice to or consent of Merchant. ISO/Bank will send a chargeback advice to Merchant after debits occur. To the extent that Operating Regulations permit a merchant to dispute a chargeback, Merchant shall submit any such dispute to ISO/Bank within fifteen (15) calendar days following receipt of a chargeback advice from ISO/Bank. Merchant’s failure to dispute a chargeback within the above-specified period shall constitute a waiver of all rights of Merchant to dispute the chargeback. If Merchant has multiple locations, Merchant shall, upon execution of this Agreement, designate one or more of its locations as the location(s) for handling chargebacks and chargeback disputes and notify ISO/Bank of the designated location(s). Merchant hereby consents to extensions of time granted, or compromises made by ISO/Bank, with any Cardholder liable on any Card Item or with the issuer of the Card. It is expressly agreed and understood that ISO/Bank will make no inquiry into Cardholder complaints concerning the quality or quantity of merchandise or service to which Card Items relate. --- ### [Merrick Merchant Agreement](https://stg-flute-staging.kinsta.cloud/merrick-merchant-agreement/) **Published:** May 28, 2026 **Author:** Nerraj Thakur **Content:** This Merchant Program Agreement (the “Agreement”) is by and between Member Bank, (“Bank”), Flute Commerce LLC. (“ISO”) and the merchant (“Merchant”) identified in the Merchant Application (“Merchant”). Merchant has completed and submitted to ISO/Bank an application for services that provides information about Merchant’s business and processing needs (the “Merchant Application”). As part of the Merchant Application, Merchant has certified that it has read this Agreement, and understands and agrees that the terms of this Agreement will be binding upon it if and when ISO/Bank approves the Merchant Application ((including the Fee Schedule attached thereto “Fee Schedule”) to receive requested services. A MERCHANT’S SUBMISSION OF A TRANSACTION TO ISO/BANK SHALL CONSTITUTE RATIFICATION OF EACH AND ALL OF MERCHANT’S OBLIGATIONS UNDER THIS AGREEMENT. ## **Customer** **Identification** **Program** **(CIP)** To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. ## **Beneficial** **Ownership** To help the government fight financial crime, Federal regulation requires certain financial institutions to obtain, verify, and record information about the beneficial owners of legal entity customers. Legal entities can be abused to disguise involvement in terrorist financing, money laundering, tax evasion, corruption, fraud, and other financial crimes. Beneficial ownership rule requires the disclosure of individual, if any, who directly or indirectly, through any contract, arrangement, understanding, relationship or otherwise, owns 25 percent or more of the equity interests of the legal entity listed above is complete and accurate. Requiring the disclosure of key individuals who own or control a legal entity (i.e., the beneficial owners) helps law enforcement investigate and prosecute these crimes. By completing and signing the merchant application, you have attested you have accurately provided the name, address, date of birth and Social Security Number (SSN) for the beneficial owners ### ARTICLE I. GENERAL PROVISIONS. The General Provisions set out in this Article I govern the relationship between ISO/Bank and Merchant for all services provided by or through ISO/Bank. The subsequent sections of this Agreement define the terms of service for different service offerings of the ISO/Bank and shall apply to Merchant at such time that Merchant commences receiving such services. 1. COMPLIANCE WITH RULES AND ISO/BANK GUIDELINES. Merchant agrees to comply with and be subject to all Rules of MasterCard International, Inc., (“MasterCard”), Visa International (“VISA”), JCB, International (“JCB”), Discover Network (“Discover Network”), American Express (“AMEX”) and the National Automated Clearing House Association (“NACHA”), as they may exist from time to time and as applicable to Merchant’s activities under this Agreement. Merchant also agrees to comply with all guidelines, policies and procedures for services provided to Merchant by ISO/Bank from time to time. Additional information and links to locations where Merchant can see or obtain copies of the Rules are located on the Banks website. MERCHANT UNDERSTANDS AND ACKNOWLEDGES THAT DISCOVER, AMEX, JCB, NACHA AND OTHER SERVICES ARE NOT PROVIDED TO IT BY MEMBER ISO/BANK, BUT ARE INSTEAD PROVIDED BY THIRD PARTIES. FOR PIN DEBIT TRANSACTIONS, SUCH THIRD PARTIES MAY INCLUDE SPONSORING OR ACQUIRING ISO/BANKS THAT ARE NOT RELATED TO ISO/BANK. THE PROVISIONS OF THIS AGREEMENT REGARDING DISCOVER NETWORK CARD TRANSACTIONS, AMEX CARD TRANSACTIONS, JCB CARD TRANSACTIONS, NACHA TRANSACTIONS, OR ANY OTHER NON-ISO/BANK CARD TRANSACTIONS CONSTITUTE AN AGREEMENT SOLELY BETWEEN MERCHANT AND THIRD PARTIES. ISO/BANK IS NOT A PARTY TO THIS AGREEMENT INSOFAR AS IT RELATES TO SUCH. THEREFORE, in consideration of the representations and agreements by Merchant and the mutual promises contained in this Agreement, Merchant and ISO/Bank agree as follows: 2. MERCHANT SALES. 1. Honoring Cards. Subject to the Operating Regulations and to Merchant Operating Guide (as defined in Section 3.A below), Merchant will promptly honor without discrimination any valid Cards properly presented for payment for goods and services provided by Merchant under the terms of this Agreement and under the terms of any agreement between Merchant and any Other Card Sponsor. 2. Advertising. Merchant will adequately display Card service marks (“Marks”) and promotional materials available from ISO/Bank or Other Card Sponsors to inform the public which Cards will be honored at Merchant’s place(s) of business. Merchant’s right to use or display Card Marks will continue while this Agreement remains in effect or until Merchant is notified by ISO/Bank, a Network, or an Other Card Sponsor to cease their use and display. Merchant may use the Marks on promotional, printed or broadcast materials only to indicate that Cards are accepted for payment and shall not indicate, directly or indirectly, that any Card Association endorses any goods or services of Merchant. Merchant may not refer to any Card in stating eligibility for its products, services, or membership. 3. Prohibitions. Except as provided under the Operating Guidelines and applicable law, Merchant shall not charge Cardholder a service, finance, carrying charge or other amount for any Card transactions in addition to the price and other amounts that would have been charged for the transaction had it been for cash Merchant will not make cash advances on Cards or honor Cards for any purpose other than bona fide sales or leases of merchandise or services or both made in the ordinary course of Merchant’s business consistent with current practices. Except as provided under the Operating Guidelines, Merchant will not establish minimum or maximum transaction amounts for sales to Cardholders as a condition for transactions with Cards. 3. AUTHORIZATIONS AND PREPARATION OF CARD ITEMS. 1. Merchant Operating Guide. Merchant acknowledges receiving a copy of the Operating Guide (the “Merchant Operating Guide”), which is incorporated herein and made a part of this Agreement by this reference. Merchant agrees to follow all procedures set forth in Merchant Operating Guide, as it may be amended from time to time, including without limitation, the authorization procedures and the procedures for preparation of Card Items to be presented to ISO/Bank. As used in this Agreement, the term “Card” means sales drafts, credit vouchers, and similar documents and items used in connection with processing Card transactions, whether physically imprinted or electronically printed; and Card “transaction” refers to credits as well as debits to Cardholders. 2. Account. Merchant will establish and maintain an Account at a depository institution approved by ISO/Bank. Merchant will maintain sufficient funds in the Account to satisfy all obligations, including the fees, Chargebacks and returns contemplated by this Agreement. Merchant irrevocably authorizes ISO/Bank to debit the Account for fees, Chargebacks, returns, fines and any other penalties or amounts owed under this Agreement. In the event the Account lacks sufficient funds, Merchant and Guarantors authorize ISO/Bank, without notice, to debit any ISO/Bank account in their name(s) or the name of any affiliated entity. Merchant must obtain prior consent from ISO/Banks to change the Account. If Merchant does not obtain such consent, ISO/Bank may immediately terminate this Agreement and may take other action necessary to protect its interests. 1. ISO/Bank will settle all valid Card transactions to the Account subject to the terms of this Agreement. Merchant authorizes ISO/Bank to initiate reversal or adjustment entries and initiate or suspend such entries. 2. ISO/Bank, in its sole discretion, shall grant Merchant provisional credit for Card transaction amounts, subject to receipt of final payment by ISO/Bank and subject to all Chargebacks and other amounts owed to ISO/Bank under this Agreement. 3. Merchant authorizes ISO/Bank to initiate debit/credit entries to the Account, as the Account may be changed from time to time and to any other account maintained by Merchant at any institution, all in accordance with this Agreement. In the event Merchant changes the Account, this authorization will apply to the new Account. This authorization will be effective until both: (i) ISO/Bank has received written notification from Merchant terminating this authorization, and (ii) all obligations of Merchant to ISO/Bank has been paid in full. Merchant may be required to provide to ISO/Bank with a voided Account check and/or fill in the required Account numbers on Merchant Application. 4. If the Account is closed or is otherwise unavailable to ISO/Bank for ACH debit, Merchant consents to ISO/Banks locating additional deposit accounts or assets by using any means legally available. In this event, Merchant waives all rights to their privacy in favor of ISO/Bank until such time as all unpaid Chargebacks and fees owed to ISO/Bank have been paid in full. 3. Reserve. In addition to any other rights granted to ISO/Bank under this Agreement, Merchant hereby authorizes ISO/Bank to establish a Reserve Account, with or without prior notice to Merchant, at any time prior to, during or after termination of this Agreement, to ensure the recovery of any liabilities owed it or reasonably anticipated by ISO/Bank in its sole discretion to be owed by Merchant pursuant to this Agreement. ISO/Bank may also require as a condition of providing continued services, that Merchant fund and maintain a Reserve Account with ISO/Bank as security against any costs, losses or expenses incurred by ISO/Bank in connection with the provision of services to Merchant. Merchant’s obligation to maintain any Reserve Account shall survive the termination of this Agreement by a period of two hundred seventy (270) days (or longer depending on Merchant’s product and business practices) during which time ISO/Bank’s right, title and interest therein shall continue. In addition Merchant further agrees: 1. Liabilities to be paid from the Reserve Account include, but are not limited to, those arising out of actual and/or potential post termination Chargebacks, as well as any and all post-termination fees, charges and expenses due or anticipated to be due ISO/Bank from Merchant. 2. The Reserve Account shall be in such amount ISO/Bank deem reasonable under the circumstances. The Reserve Account may be funded and/or replenished by ISO/Bank by withholding from Merchant’s Card transaction proceeds, and/or withholding or withdrawing from, or freezing all or any part of, the Account and/or any other deposit accounts maintained by Merchant wherever found by any means legally available. Unless ISO/Bank agree otherwise in writing with Merchant, the Reserve Account shall not bear interest. 3. ISO/Bank may enforce its right, title and interest in the Reserve Account without notice or demand being first made to Merchant. ISO/Bank right to sums owed them by Merchant pursuant to this Agreement shall in no way be limited by the balance or existence of the Reserve Account. ISO/Bank’ right, title and interest with respect to the Reserve Account shall survive the termination of this Agreement. 4. ISO/Bank may exercise its rights under this Agreement to collect any amounts due to ISO/Bank including, without limitation, rights of set-off and recoupment. Merchant shall have no right to withdraw funds or debit the Reserve Account. 5. It is stipulated and agreed that the funds placed in the Reserve Account are trust fund monies legally and exclusively held for the benefit of ISO/Bank. In the event of ISO/Bankruptcy proceedings, ISO/Bank may exercise its rights under this Agreement to debit the Reserve Account for amounts due ISO/Bank regardless of the pre-petition or post-petition nature of the amount due ISO/Bank. In the event of a ISO/Bankruptcy proceeding, Merchant also agrees that it will not contest any motion for relief from the automatic stay which ISO/Bank may file to debit the Reserve Account. 6. (vi) ISO/Bank may retain funds in the Reserve Account for as long as Merchant may be liable to make payments under this Agreement. Funds are typically retained in the Reserve Account for a minimum of two hundred seventy (270) days from the date of the oldest Card transaction in question or the date of termination, whichever is longer, and may be retained longer depending on the nature of Merchant’s Card transaction activity. ISO/Bank will have sole control of the Reserve Account. In the event of a ISO/Bankruptcy proceeding ISO/Bank do not consent to the assumption of this Agreement. Nevertheless, if this Agreement is assumed, Merchant agrees that in order to establish assurance of future performance within the meaning of 11 U.S.C. Sec 365, as amended from time to time, Merchant must establish a Reserve Account in an amount satisfactory to ISO/Bank 4. Reservation of Rights. ISO/Bank reserves the right to withhold payments for Card transactions or to chargeback the Card Item (as provided in Section 4 below) if, for any reason, ISO/Bank questions the validity or collectability of that transaction. Merchant shall have no recourse against ISO/Bank for these actions. 5. Merchant Discount, Fees and Fines; Cardholder Credits and Chargebacks. Merchant shall pay to ISO/Bank the fees and charges set forth on the Merchant Application, and any separate schedule of fees. The various fees and charges listed on the Fee Schedule are referred to herein as “Merchant Discount and Fees.” Interchange qualification 6 requirements, as defined by the Operating Regulations, shall be used to determine Merchant Discount and Fees for Card Items. Merchant will have higher Merchant Discount and Fees for Card Items which do not meet the best rate qualification criteria. Merchant hereby authorizes ISO/Bank, from time to time as it may determine, to debit the Account the amounts owed by Merchant hereunder, including, without limitation, Merchant Discount and Fees, Cardholder credits, chargebacks and any fees, charges, fines, assessments, penalties, or other liabilities that may be imposed on Merchant from time to time by a Card Association pursuant to its Operating Regulations or by ISO/Bank pursuant to this Agreement, but ISO/Bank’s right to debit the Account shall not be ISO/Bank’s exclusive remedy to collect amounts due it. Without limiting the generality of the foregoing, ISO/Bank shall have the right to pass through any fines to Merchant and impose any additional reserves, sanctions or other requirements upon Merchant which may be imposed by any Card Association with respect to Card transactions involving Merchant or otherwise arising in connection with this Agreement. Any fees, fines, penalties and assessments passed through to Merchant shall be in addition to damages incurred by ISO/Bank and reimbursed by Merchant. Merchant will reimburse ISO/Bank, as the case may be, within one (1) business day after receipt of notice of the occurrence of any overdrafts that may result from ISO/Bank’s debiting of the Account… ISO/BANK MAY MODIFY ALL FEES PAYABLE BY MERCHANT UNDER THIS AGREEMENT, INCLUDING THOSE DETAILED IN THE MERCHANT APPLICATION AND ANY SEPARATE SCHEDULE OF FEES, BY PROVIDING NOTICE TO MERCHANT OF CHANGES TO SUCH FEES 4. MERCHANT REPRESENTATIONS AND WARRANTIES. Merchant represents and warrants to ISO/Bank as follows: 1. Merchant has all necessary registrations and approvals required to perform its duties under this Agreement, and Merchant has not been asked to leave or been terminated for cause by any other provider of merchant services. 2. The information which Merchant has provided to ISO/Bank concerning its business, including, but not limited to, the information set out in Merchant Application which is attached hereto, is true and correct, the financial information which Merchant has provided to ISO/Bank is true and correct as of the date of preparation thereof and, since the date thereof, there has been no material adverse change in the financial condition of Merchant. 3. If Merchant is other than an individual or sole proprietorship (as indicated in the Merchant Services Account Application and Fee Schedule), Merchant is duly organized, validly existing and in good standing under the laws of the jurisdiction of its organization and every other jurisdiction in which it is required to do so. Merchant has full power and authority to own, lease and operate its business and properties and to enter into and perform this Agreement. Merchant is qualified to do business and is in good in each jurisdiction where the nature of the activities conducted by it or the character of the properties owned or leased by it makes such qualification necessary. 4. All organizational action on the part of Merchant necessary for the authorization, execution, delivery and performance of this Agreement has been taken. This Agreement (when the Fee Schedule was or is signed by or on behalf of Merchant) constitutes or will 7 constitute a legal, valid and binding obligation of Merchant enforceable in accordance with its terms. The signing person is duly authorized to execute any document or take any action on behalf of Merchant under or pursuant to this Agreement. 1. Merchant has all licenses, if any, required to conduct its business and is qualified to do business in every jurisdiction where it is required to do so. 2. There is no action, suit or proceeding at law or in equity now pending or to Merchant’s knowledge, threatened by or against or affecting Merchant which would substantially impair its right to carry on its business as now conducted or adversely affect its financial condition or operations. 3. Unless Merchant notifies ISO/Bank in writing (either on the Merchant Application or otherwise) and is approved by ISO/Banks, no other processing relationship for any of the services offered by ISO/Banks under this Agreement may exist between Merchant and another Card processing institution, for any business owned or operated by Merchant. 4. (1) the taxpayer identification number (“TIN”) provided on the Merchant Application is Merchant’s true and correct TIN; (2) Merchant is not subject to backup withholding because (a) Merchant is exempt from backup withholding, (b) Merchant has not been notified by the IRS that it is subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified Merchant that it is no longer subject to backup withholding, and (3) Merchant is a citizen of the United States of America (“U.S.”) or other U.S. person. (For federal tax purposes, Merchant is considered a U.S. person if Merchant is: an individual who is a U.S. citizen, or U.S. resident alien, partnership, corporation, company or association created or organized in the United States or under the laws of the United States, and estate (other than a foreign estate), or a domestic trust (as defined in the Internal Revenue Code section 301.7701-7.)) 5. No owner, officer, director, employee or agent of Merchant is a current or former “senior” official in the executive, legislative, administrative, military, or judicial branch of any government (elected or not); or an official of a political party; or an executive of a government-owned commercial enterprise; or a family member of any of the foregoing officials; or a close personal or professional associate of any foregoing officials. 5. COVENANTS OF MERCHANT. 1. Merchant agrees to observe and comply with applicable Operating Regulations and the Merchant Operating Guide, as they are in effect from time to time, and such other procedures as ISO/Bank may prescribe for Card transactions under this Agreement. This Agreement is expressly made subject to such rules, regulations, and procedures. Merchant agrees to maintain in good standing all registrations and approvals required by Operating Regulations, as they may be in effect from time to time, throughout the term of this Agreement, including without limitation, the payment of any registration fees, dues or assessments as may be required by any Card Association from time to time. 2. Merchant will comply with applicable laws and regulations with respect to sales by Merchant and acceptance of Card Items. 3. Merchant agrees: (i) to preserve all records pertaining to Card transactions and Card Items for two (2) years from the date of origination of such items, and allow ISO/Bank to examine, copy, and verify such items, (ii) within five (5) calendar days following receipt of ISO/Bank’s retrieval request, to send copies of Card Items and records pertaining to any Card transaction to ISO/Bank by first-class mail or electronic medium, and (iii) to execute and to file such statements and notices as ISO/Bank may request to preserve or protect the interests of ISO/Bank under this Agreement. 4. Merchant agrees that, if Merchant is performing electronic commerce processing and accepting Cards for good or services sold over the Internet, Merchant will post its consumer data privacy policy and its method of transaction security in public view on its website. 5. Merchant will not disclose to third parties (other than to Merchant’s agents for the purpose of assisting Merchant in completing the transaction or as specifically required by law) any Cardholder’s account information, account number or other personal information, without obtaining the prior written consent of the Cardholder on a document other than a Card Item. In the case of electronic databases where Cardholder’s account information, account number or other personal information related to the Card transaction is contained, this information must be returned to ISO/Bank or proof of destruction of this data, by an authorized signer of Merchant, must be provided to ISO/Bank when Merchant is no longer in business. Under no circumstances can Cardholder-related information be sold, given or transferred to any third party. Merchant will adopt procedures to store and maintain Card Items, records and dated information in a safe, secure and confidential manner. At such time as Merchant is no longer required to preserve records pertaining to Card transactions, Merchant shall destroy such records (including Card imprints, transaction records and carbons) in a manner rendering data unreadable. Merchant shall notify and provide ISO/Bank with particulars within one (1) Business Day following Merchant’s receipt of information indicating or suggesting that there has been a breach of Merchant’s data system or paper records that has or may have resulted in an unauthorized disclosure of any information regarding one or more Card transactions or Cardholders, and in connection with any such breach or suspected or possible breach, will cooperate with ISO/Bank and law enforcement officials in any reasonable way. 6. Safeguarding of Information. (i) Merchant and its agents shall be in full compliance with Rules adopted by any Card Association relating to the privacy and security of Cardholder and Card transaction data, including without limitation the Payment Application Data Security Standard (“PA DSS”) and the Payment Card Industry Data Security Standard (“PCI DSS”), as they may be amended from time to time. Information pertaining to such requirements may be found at [https://www.pcisecuritystandards.org.](https://www.pcisecuritystandards.org/) PCI DSS and other industry aligned validation requirements collectively form the basis for each of the following Card Association compliance programs, with which Merchant must also comply: (i) the Cardholder Information Security Program (“CISP”) – VISA’s data security program; 9 (ii) the Site Data Protection (“SDP”) – MasterCard’s data security program; and (iii) the Discover Network Information Security and Compliance (“DISC”) – Discover Network’s data security program. Additionally, Merchant shall be responsible for demonstrating compliance by its agents for these programs. 2. Merchant shall be liable for all fines, charges and penalties that may be assessed by any Card Association as a result of transactions made by Merchant or Merchant’s noncompliance with the preceding requirements. Merchant also acknowledges that it may be prohibited from participating in Card Association programs if it is determined that Merchant is non-compliant. Merchant acknowledges that it may be subject to, and ISO/Bank retain the right, to conduct or cause to be conducted an audit to verify Merchant’s compliance with the foregoing security requirements. Merchant must notify ISO/Bank within twenty-four (24) hours after becoming aware of (i) any suspected or actual data security breach or (ii) any noncompliance by Merchant with the security requirements set forth herein. In such event, if requested by ISO/Bank or Card Association, Merchant shall, at its own expense, (a) perform or cause to be performed an independent investigation of any data security breach of Card or Card transaction data by an authorized assessor acceptable to ISO/Bank, (b) take all such remedial actions recommended by such investigation, by ISO/Bank or by VISA or MasterCard, and (c) cooperate with ISO/Bank in the investigation and resolution of any security breach. 3. Merchant will not, under any circumstances, disclose any Cardholder’s account number nor any information relating to any Cardholder’s account number or any Sales Drafts or Credit Vouchers which may have been imprinted with any Card to any person other than ISO/Bank, or as required by law. Merchant agrees not to store, distribute, copy or otherwise manipulate card account numbers or PINs that appear, are encoded or are otherwise associated with Cards. All electronic commerce Merchants must provide Cardholders with a secure transaction method, such as Secure Sockets Layer (SSL) or 3- D Secure. Further, Merchant agrees to store (to the extent such storage is permitted) any and all material containing Cardholder account numbers, imprints or information in a secure manner, in an area limited to selected personnel, and to destroy such numbers, imprints, and information before discarding in a fashion that renders the data unreadable and unrecoverable. Neither Merchant nor any of its agents shall retain or store the full contents of any track on the Magnetic-Stripe, or equivalent data on the Contactless Payment chip, subsequent to Authorization of a Card transaction. 4. Merchant must notify ISO/Bank of any third party agent of Merchant that will have any access to Cardholder data. 5. Merchant understands and agrees that due to requirements of law, Card receipts may not contain (i) more than the last five digits of the credit card account number; and (ii) that the Card receipt may not contain the expiration date. 6. If Merchant sells goods or services on the Internet, Merchant’s web site must contain Merchant’s consumer privacy policy and a description of Merchant’s method of safeguarding consumer transaction data. 7. Merchant must fully cooperate with ISO/Bank and Card Associations if Merchant is undergoing a forensic investigation at any time with regard to the Account. 8. Account Access Password. (i) If Merchant receives a user identification name or password from ISO/Bank to access ISO/Bank’s database or use services offered by ISO/Bank, Merchant will: (i) keep the user identification name and password confidential; (ii) not allow any other entity or person to use the user identification name or password or gain access to ISO/Bank’ database; (iii) be liable for all action taken by any user of the user identification name or password; and (iv) promptly notify ISO/Bank if Merchant believes the user identification name or password have been used inappropriately or the confidentiality of the information made available through their use has been compromised. (ii) Merchant agrees that any loss incurred as a result of any party gaining access to Account or ISO/Bank’ website using information which that party was not authorized to obtain or using such information in a manner not permitted by this Agreement (including but not limited to improper or unauthorized use of Merchant’s ID number and PIN) shall be the responsibility of Merchant. 8. Privacy. ISO/Bank will have access to the data associated with Merchant’s use of the service. ISO/Bank will handle this information in accordance with their privacy policies. 9. Merchant agrees to furnish to ISO/Bank upon seven (7) days’ notice such financial statements and information concerning Merchant or its affiliates as ISO/Bank may from time to time request. Merchant authorizes ISO/Bank to make such inquiries and obtain such reports as ISO/Bank deems appropriate to verify information furnished to ISO/Bank, including, without limitation, obtaining credit reports, verification of information contained therein, and verification of references. Upon not less than three (3) business days prior notice given to Merchant and during Merchant’s normal business hours, ISO/Bank or its duly authorized representatives may inspect the business premises of Merchant and may examine that part of the books and records of Merchant that pertain to Card transactions and Merchant’s practices regarding Card transactions. 10. Merchant agrees to provide ISO/Bank thirty (30) days’ prior written notice of its intent to: 1. Liquidate and/or transfer or sell any 10% or more of its total assets; ( ii) Change the basic nature of its business or its capital structure; 3. Change the location of its business headquarters; or 4. Add or delete any services Merchant acquires from ISO/Bank under this Agreement, including without limitation, Merchant’s decision to commence or to terminate acceptance of any type of Card for which ISO/Bank provides Merchant Program. 11. Merchant will promptly notify ISO/Bank of any change of title or position (including any termination of employment) of the persons who have signed this Agreement or the Fee Schedule. 12. Merchant shall promptly notify ISO/Bank of the addition or deletion of Merchant locations. 13. During the term of this Agreement, Merchant will use ISO/Bank as its sole source for processing and crediting Card Items and for obtaining authorizations for Card transactions except as otherwise agreed by ISO/Bank and Merchant in writing. 14. Merchant will not use any authorization system made available to Merchant under this Agreement in connection with any transaction as to which Merchant does not intend or expect to consummate a Card transaction with the Cardholder. 15. Merchant agrees that it will not accept Card transactions that are illegal in the jurisdiction where Merchant is located, in the jurisdiction where the transaction is consummated, or in any other jurisdiction affected by the Card transaction. Merchant will not accept any Card transaction in connection with any Internet or online gambling transaction, whether or not gambling is legal in any applicable jurisdiction. ISO/BANK reserves the right to withhold payments for Card transactions or to chargeback the Card Item (as provided in Section 4 below) if, the ISO/BANK, in its sole and absolute discretion, believes such Card Item is related to an illegal transaction or an Internet or online gambling transaction. Merchant shall have no recourse against ISO/BANK for these actions. 16. INDEMNITY; LIMITED LIABILITY. 1. Merchant’s Indemnification. Merchant shall indemnify ISO/Bank, the respective Card Associations and the participants therein against any and all claims, demands, losses, damages, liability, actions, costs, judgments, arbitration awards and expenses (including reasonable attorneys’ fees), to which such parties may be subjected arising in whole or in part from any Card transaction involving Merchant (including, but not limited to, any chargebacks under applicable Operating Regulations), any act or omission of Merchant in connection with any such transaction, use of any Third-Party Vendor, any breach of this Agreement by Merchant, Merchant’s or any Third-Party Vendor’s violation of applicable laws or Operating Regulations, any return of goods, price adjustment or other dispute with or claim by a Cardholder with Merchant (whether or not such Cardholder’s claim is valid), including, but not limited to, claims or losses of any Cardholder or of any third party, or any breach of Merchant’s data or paper records system that has or may have resulted in an unauthorized disclosure of any information regarding one or more Card transactions or Cardholders. Without limiting the generality of the foregoing, Merchant agrees that it shall be solely responsible for its actions in honoring or refusing to honor Cards and in retaining Cards in accordance with Merchant Operating Guide; and Merchant will indemnify, defend and hold the Card Associations, ISO/Bank and other members of the Card Associations harmless from any claim, loss or liability arising from any injury to persons, property or reputation which occurs as a result thereof. 2. Limitation of Remedies. ISO/Bank will use due care in its performance under the Agreement and it will, at its own expense, correct any data in which (and to the extent that) errors have been made by ISO/Bank’s personnel, or by malfunctions of ISO/Banksupplied Software or Equipment which are not due to Merchant’s error, acts or omissions. However, the expense to ISO/Bank of correcting such data shall constitute ISO/Bank’s only responsibility in connection with such errors or in connection with any other performance or nonperformance by ISO/Bank under this Agreement. If ISO/Bank undertakes to correct any error caused by a Third-Party Vendor, ISO/Bank shall not have any liability with respect thereto. ISO/Bank’s liability to Merchant with respect to any Card transaction shall not in any event exceed the amount of that transaction, and ISO/Bank SHALL IN NO EVENT BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES, INCLUDING LOSS OF PROFITS, LOSS OF BUSINESS OR OTHER ECONOMIC DAMAGE AND FURTHER, INCLUDING INJURY TO PROPERTY. ISO/Bank shall have no responsibility or liability whatsoever for errors or omissions caused by any Merchant or third party providing services, software or equipment to Merchant for use in Card transactions. If Merchant engages ISO/Bank or its designee to load Software on Equipment, which may involve reconfiguring other software used by Merchant, Merchant agrees that the ISO/Bank’s sole responsibility in connection therewith shall be to use good faith efforts to reconfigure Merchant-provided software and/or the Software so that they will function together. In the event of malfunction of the Software and/or Merchant-provided software as a result of such reconfiguration or attempted reconfiguration, the ISO/Bank’s sole responsibility shall be to use good faith efforts to correct any malfunction and/or otherwise reasonably to cooperate with Merchant to correct any malfunction, (the foregoing is not really standard for a merchant agreement- can we delete- see the below) 1. MERCHANT AGREES AND ACKNOWLEDGES THAT ISO/BANK SHALL HAVE NO LIABILITY, EITHER IN TORT, CONTRACT OR IN COMBINATION THEREOF, FOR CLAIMS ARISING FROM TRANSACTIONS PROCESSED UNDER THIS AGREEMENT EXCEPT IN THE CASE OF GROSS OR WILLFUL MISCONDUCT ON THE PART OF ISO/BANK. ANY SUCH CLAIMS ARE SUBJECT TO LIMITATIONS SET FORTH BELOW AND IN NO EVENT SHALL ISO/BANK BE LIABLE FOR SPECIAL, CONSEQUENTIAL, INDIRECT OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS, REVENUES OR LOST BUSINESS OPPORTUNITIES. 2. THE LIABILITY, IF ANY, OF ISO/BANK, UNDER THIS AGREEMENT WHETHER TO MERCHANT OR TO ANY OTHER PARTY, WHATEVER THE BASIS OF LIABILITY, SHALL NOT EXCEED IN THE AGGREGATE THE DIFFERENCE BETWEEN (I) THE AMOUNT OF FEES PAID BY MERCHANT TO ISO/BANK DURING THE MONTH IN WHICH THE TRANSACTION OUT OF WHICH THE LIABILITY AROSE OCCURRED, AND (II) ASSESSMENTS, CHARGEBACKS, RETURNS AND ANY OFFSETS AUTHORIZED UNDER THIS AGREEMENT AGAINST SUCH FEES WHICH AROSE DURING SUCH MONTH. IN THE EVENT MORE THAN ONE MONTH WAS INVOLVED, THE AGGREGATE AMOUNT OF ISO/BANK LIABILITY SHALL NOT EXCEED THE LOWEST AMOUNT DETERMINED IN ACCORD WITH THE FOREGOING CALCULATION FOR ANY ONE MONTH INVOLVED. IN NO EVENT WILL THE LIABILITY OF ISO/BANK UNDER THIS AGREEMENT EXCEED $50,000. 3. EXCEPT AS EXPRESSLY PROVIDED HEREIN, ISO/BANK MAKE NO OTHER WARRANTY, EXPRESS OR IMPLIED, REGARDING THE SOFTWARE AND SERVICES, AND NOTHING CONTAINED IN THIS AGREEMENT WILL CONSTITUTE SUCH A WARRANTY. ISO/BANK DISCLAIM ALL IMPLIED WARRANTIES, INCLUDING THOSE OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND TITLE. ISO/BANK FURTHER DO NOT REPRESENT OR WARRANT THAT THE SERVICES WILL ALWAYS BE AVAILABLE, ACCESSIBLE, UNINTERRUPTED, TIMELY, SECURE, ACCURATE, COMPLETE, OR ENTIRELY ERROR-FREE. ISO/BANK FURTHER EXPRESSLY DISCLAIM ANY LIABILITY FOR UNAUTHORIZED ACCESS OF FACILITIES OR TO MERCHANT’S DATA OR PROGRAMS DUE TO ACCIDENT, ILLEGAL OR FRAUDULENT MEANS OR DEVICES USED BY ANY THIRD PARTY, OR OTHER CAUSES BEYOND ISO/BANK’ REASONABLE CONTROL. 4. Limitation of Warranties. THE EXPRESS WARRANTIES AND EXPRESS REPRESENTATIONS SET FORTH IN THIS AGREEMENT ARE IN LIEU OF, AND ISO/BANK DISCLAIMS, ANY AND ALL OTHER WARRANTIES, CONDITIONS OR REPRESENTATIONS (EXPRESS OR IMPLIED, ORAL OR WRITTEN), WITH RESPECT TO THE SOFTWARE OR EQUIPMENT OR ANY PART THEREOF, INCLUDING ANY AND ALL IMPLIED WARRANTIES OR CONDITIONS OF TITLE, NONINFRINGEMENT, MERCHANTABILITY, OR FITNESS OR SUITABILITY FOR ANY PURPOSE (WHETHER OR NOT ISO/BANK KNOWS, HAS REASON TO KNOW, HAS BEEN ADVISED OR IS OTHERWISE IN FACT AWARE OF ANY SUCH PURPOSE), WHETHER ALLEGED TO ARISE BY LAW, BY REASON OF CUSTOM OR USAGE IN THE TRADE, OR BY COURSE OF DEALING. IN ADDITION, ISO/BANK EXPRESSLY DISCLAIMS ANY WARRANTY OR REPRESENTATION TO ANY PERSON OTHER THAN MERCHANT WITH RESPECT TO THE SOFTWARE, EQUIPMENT, OR ANY PART THEREOF. 7. ASSIGNMENT. Merchant shall not transfer, assign or otherwise convey this Agreement or its rights or obligations hereunder without the prior written consent of ISO/Bank, and any purported assignment without ISO/Bank’s consent shall be void. Subject to the foregoing, this Agreement shall be binding upon and inure to the benefit of the parties hereto and their successors and assigns. If ISO/Bank shall assign this Agreement to another ISO/Bank or processor which is a member of a Network and that such assignee assumes the obligations of ISO/Bank hereunder, the assignor shall have no further duties or obligations to Merchant hereunder, and the assignee shall succeed to the rights, duties and obligations of ISO/Bank hereunder. 8. TERM; TERMINATION. 1. Unless terminated as hereinafter provided, the initial term of this Agreement (the “Initial Term”) shall be Three (3) years. This Agreement shall be automatically renewed as of the day following the end of such Initial Term and at each subsequent anniversary thereof for successive renewal terms of one (1) year each. Either party shall have the right however, to terminate this Agreement without cause effective as of the last day of the Initial Term or any subsequent anniversary thereof by giving at least sixty (60) days prior written notice of termination to the other party. Merchant agrees that, in order for Merchant to terminate this Agreement prior to the end of the Initial Term or any subsequent renewal term, Merchant must pay any Early Termination Fee applicable pursuant to the Fee Schedule. 2. This Agreement shall be terminated automatically (i) in the event of the insolvency, ISO/Bankruptcy, or appointment of a receiver for the other party to this agreement, (ii) if a Network prohibits Merchant from presenting Card Items to ISO/Bank, in accordance with its respective Operating Regulations, (iii) if at any time ISO/Bank reasonably determines, in its absolute discretion, that there is an unacceptable level of risk from the processing of Merchant’s Card transactions, or (iv) upon the termination of ISO/Bank’s membership in a Card Association (provided that termination of ISO/Bank’s membership with a particular Card Association shall terminate this Agreement only with respect to such services and this Agreement shall remain in effect with respect to all non-terminated Card Associations). 3. Notwithstanding the foregoing, ISO/Bank shall have the right to terminate this Agreement at any time effective immediately by giving notice of such termination to Merchant if (i) Merchant shall be in default of any of its duties or obligations hereunder (including, but not limited to, its obligation to comply with applicable provisions of the Operating Regulations), (ii) ISO/Bank shall reasonably deem itself insecure in the prospect of payment by Merchant of amounts due ISO/Bank hereunder, or (iii) Merchant shall default in the prompt payment or performance of any other liabilities or obligations from time to time owed to ISO/Bank. 4. Any liability of a party arising prior to termination of this Agreement shall survive termination of this Agreement, including, without limitation: (i) Merchant’s obligations to pay chargeback liabilities for all transactions that occurred prior to the termination of the Agreement, even if the chargeback is processed or presented after the date of termination; and (ii) all of Merchant’s existing obligations, warranties, and agreements with respect to Card Items delivered before such termination, credit vouchers executed in connection therewith, and continuing obligations imposed by governmental regulations or Operating Regulations. Notwithstanding anything in this Agreement to the contrary, ISO/Bank’s security interest in the Account granted by Merchant in Section 4 of this Agreement, ISO/Bank’s right to debit the Account as set forth in Section 4 of this Agreement, ISO/Bank’s general right of setoff, and Merchant’s indemnification obligations set forth in Section 9 of this Agreement shall survive the termination of this Agreement. The right of Merchant to generate and submit Card Items under this Agreement representing debits, and to use equipment, advertising, and forms provided under this Agreement, other than in fulfilling Merchant’s continuing obligations as hereinabove specified, will cease immediately upon termination of this Agreement. Within thirty (30) days after termination of this Agreement Merchant shall return all promotional materials, forms, Software and Equipment acquired from ISO/Bank (other than forms, Software and Equipment purchased from ISO/Bank) and all related materials provided under this Agreement to the address specified in this Agreement for notices to ISO/Bank. 5. NOTICES. All notices provided for under this Agreement shall be in writing and shall be sent by personal delivery, by nationally recognized overnight courier service (marked for next day delivery), by U.S. mail, to the party hereto to whom notice is being given at the address set forth on the Fee Schedule (marked to the attention of the person indicated with such address), or to such other person and address as either party hereto shall designate to the other by written notice given in the foregoing manner. ISO/Bank may also send notices under this Agreement to Merchant electronically to the Merchant’s e-mail address in ISO/Bank’s records. Any notice by personal delivery or email shall be effective upon receipt. Any notice by overnight courier service shall be effective on the date specified for such delivery. Any notice by U.S. mail shall be effective upon receipt or three (3) days after mailing, whichever is earlier. 10. GOVERNING LAW. This Agreement shall be governed by, construed and enforced in accordance with the laws of Alabama (without regard to internal principles of conflicts of law) and applicable federal law; provided, however, if ISO/Bank assigns this Agreement to a successor, subsidiary or affiliated corporation, or to a third party, after notice has been provided to Merchant, the Agreement shall be governed, construed and enforced from the effective date of assignment by the laws of the state in which that assignee maintains its principal offices. 11. VENUE OF ACTIONS. No suit or action shall be commenced by Merchant, by any guarantor, or by any successor, personal representative or assignee of any of them, with respect to any of the matters to which this Agreement relates or any transactions entered into or processed under or pursuant to this Agreement, other than in a state or federal court of competent jurisdiction in and for Jefferson County, Alabama, and not elsewhere. Nothing contained in this paragraph shall prohibit ISO/Bank from instituting suit in any court of competent jurisdiction for the enforcement of its rights hereunder. 12. WAIVER OF RIGHT TO TRIAL BY JURY. EACH PARTY TO THIS AGREEMENT HEREBY EXPRESSLY WAIVES ANY RIGHT TO TRIAL BY JURY OF ANY CLAIM, DEMAND, ACTION OR CAUSE OF ACTION ARISING UNDER THIS AGREEMENT OR ANY OTHER INSTRUMENT, DOCUMENT OR AGREEMENT EXECUTED OR DELIVERED IN CONNECTION HEREW ITH, OR IN ANY WAY CONNECTED WITH OR RELATED OR INCIDENTAL TO THE DEALINGS OF THE PARTIES HERETO OR ANY OF THEM WITH RESPECT TO THIS AGREEMENT, OR ANY TRANSACTIONS ENTERED INTO OR PROCESSED UNDER OR PURSUANT TO THIS AGREEMENT, IN EACH CASE WHETHER NOW EXISTING OR HEREAFTER ARISING; AND EACH PARTY HEREBY AGREES AND CONSENTS THAT ANY SUCH CLAIM, DEMAND, ACTION OR CAUSE OF ACTION SHALL BE DECIDED BY COURT TRIAL WITHOUT A JURY, AND THAT ANY PARTY TO THIS AGREEMENT MAY FILE AN ORIGINAL COUNTERPART OR A COPY OF THIS SECTION WITH ANY COURT AS WRITTEN EVIDENCE OF THE CONSENT OF THE PARTIES HERETO TO THE WAIVER OF THEIR RIGHT TO TRIAL BY JURY. NOT APPLICABLE IN CALIFORNIA. 13. NO WAIVER. Failure on the part of ISO/Bank to assert any of its rights or to assert against Merchant any of Merchant’s duties, responsibilities, obligations or liabilities under this Agreement or the Merchant Operating Guide, on either an occasional or continuing basis shall not be construed as a waiver thereof by ISO/Bank, and such rights, duties, responsibilities, obligations or liabilities may be asserted by ISO/Bank at any time. 14. INDEPENDENT CONTRACTOR. Neither party will be acting as the agent of the other in connection with any of the matters herein provided. Rather, each party is an independent contractor with respect to the other party. 15. FORCE MAJEURE. Neither ISO/Bank nor Merchant shall be responsible for delays in processing or other nonperformance caused by such events as fires, telecommunications failures, equipment failures, strikes, riots, war, nonperformance of ISO/Bank’s or Merchant’s vendors or suppliers, acts of God or other causes over which ISO/Bank or Merchant has no control. Merchant acknowledges, however, that delays, non-performance or malfunctions, whether or not resulting from causes beyond the control of either party hereto, may result in charging of higher rate of Merchant Discount and Fees under the Fee Schedule and that Merchant shall not be excused or relieved from paying such higher rate even if such delay, non-performance or malfunction is beyond Merchant’s control. 16. EXHIBITS. The Fee Schedule, Merchant Operating Guide, and any exhibits or schedules referenced herein or attached hereto, are hereby incorporated as part of this Agreement. 17. MODIFICATION. This Agreement and the materials incorporated in this Agreement by reference constitute the entire Agreement between ISO/Bank and Merchant with respect to the subject matter of this Agreement. All modifications or amendments of this Agreement must be in writing to be effective. ISO/Bank may modify, add provisions to or delete provisions from (“Change”) this Agreement at any time (including but not limited to any of Merchant Discount and Fees set out on the Fee Schedule and the Merchant Operating Guide) by giving to Merchant not less than fifteen (15) days’ prior written or electronic notice of such Change. Notwithstanding the foregoing, any Change to this Agreement which is necessary to prevent noncompliance with applicable law or as required by the Operating Regulations (including any third party pass-throughs) shall be effective on the date required by such Operating Regulations or law. Tendering of any Card Item by Merchant after the effective date of any Change constitutes acceptance of such change. If Merchant does not wish to accept any Change, Merchant must cease tendering Card Items prior to the effective date of such Change and notify ISO/Bank in writing of Merchant’s intention to terminate participation in the Program, as provided in and subject to Section 11 below. 18. ENTIRE AGREEMENT. This Agreement, together with all materials incorporated herein by reference and any addenda signed by the parties, sets forth the full and complete understanding of the parties with respect to Card transactions. 19. PAYMENT CARD INDUSTRY DATA SECURITY STANDARDS. 1. Qualification of Merchant System. 1. Compliance. Merchant will successfully validate compliance with any and all security and compliance requirements related to Cardholder data. Merchant acknowledges and understands that such security and compliance requirements are evolving, and Merchant shall adhere to the then-current set of requirements. 2. Requirements. The current set of security and compliance requirements are the Payment Card Industry Data Security Standards (PCI DSS) as defined by VISA USA, MasterCard International, and Discover Network. The PCI DSS currently requires merchants to successfully complete the PCI questionnaire and pass, on a quarterly basis, vulnerability scans of all external facing systems that store, process or transmit Cardholder information. Merchant understands that the Cardholder copy of transaction receipts must be truncate, so as to display no more than the last five (5) digits of the Card number and displaying no expiration date of the Card and that Merchant is fully responsible for contacting ISO/Bank should merchant not be in compliance with this requirement. Merchant shall secure and protect all transaction receipts by various measures, including but not limited to limiting access to transaction receipts to certain individuals within the business that requires the information contained on the receipt for legal business practices and securing transaction receipts from potential theft. 3. Actions. Merchant is required by the PCI DSS to engage a qualified security assessor to perform the PCI compliance validation. Merchant shall provide, and authorizes the qualified security assessor to release, any and all information and documentation, in a timely fashion, to include vulnerability scan reports, related to the PCI assessment to both ISO/Bank and the Card Associations. Merchant is required to select a qualified security assessor as deemed approved by the ISO/Bank and the Payment Card Associations to perform compliance validation for Merchant, as well as provide a cost effective and efficient reporting structure to communicate Merchant’s compliance status. See the following Network websites for current set of PCI requirements and authorized PCI assessors. - [www.visa.com](http://www.visa.com/) - [www.mastercard.com](http://www.mastercard.com/) - [www.discovernetwork.com](http://www.discovernetwork.com/) 4. Failure to Comply. If Merchant fails to achieve or maintain PCI Compliance, this Agreement maybe terminated at the sole discretion of ISO/Bank at any time due to the increased risk to Cardholder data and possible subsequent Card Association fines. If Merchant fails to maintain compliance for any reason, then Merchant shall within thirty (30) days take the appropriate action to address any and all non-compliant findings with the questionnaire, vulnerability scans or other requirements. 5. Responsibility of Merchant. Merchant acknowledges that PCI compliance may not prevent a breach of or intrusion into any of Merchant systems and environment, and possible subsequent Payment Card Association fines. Merchant further acknowledges that the PCI compliance does not replace a merchant’s own information security program, and that it is the sole and exclusive responsibility of Merchant to be vigilant in maintaining and updating its security posture on a continuous basis to protect card holder data. 2. Breach of Data. 1. Notification. In the event of a suspected or confirmed breach of Cardholder data, Merchant is required to immediately notify ISO/Bank. Merchant acknowledges and agrees to comply with the Card Association requirements related to a breach of Cardholder data which may include engaging an authorized Card Association Independent Incident Response Assessor (see the VISA link above and click on “If Compromised”). Merchant shall provide and authorizes the Independent Incident Response Assessor to release any and all information and documentation related to the Incident Response Investigation, as expeditiously as possible as required by the Card Association, to the ISO/Bank, Card Association, and/or law enforcement. 2. Merchant Cooperation. Merchant agrees to fully cooperate with such investigation to include complying with all Card Association and ISO/Bank requirements and which includes, but is not limited to, mitigation efforts to contain any further unauthorized release of Cardholder data. Merchant further acknowledges and understands that any Service Provider that Merchant utilizes to store, process or transmit Cardholder data on its behalf is also required to be PCI complaint. (See VISA link above and click on “CISP Complaint Service Providers”). 3. Fines & Penalties. Merchant is solely responsible for any fines or penalties levied by the Card Association related to the use of any non-complaint Service Provider, non-compliant POS software application and/or the breach of Cardholder data. Merchant further acknowledges and understands that any Point of Sale (POS) Software Application that Merchant utilizes to store, process or transmit Cardholder data on its behalf is also required to meet VISA’s Payment Application Best Practices (PABP) (See VISA link above and click on “List of CISP Validated Payment Applications”). Merchant Operating Guide 1. IDENTIFICATION PROCEDURES. 1. Card Security Features. Before honoring any Card, Merchant shall: 1. Check the effective date (if any) and the expiration date on the Card; 2. Examine any Card security features included on the Card (such as a hologram) to detect counterfeits or tampering, DO NOT ACCEPT ANY CARD THAT HAS HAD ITS SECURITY FEATURES REMOVED OR ALTERED; 3. Compare the first four digits of the embossed account number on any VISA Card to the four digits printed below the account number on the Card, compare the account number, if any, printed on the signature panel of any MasterCard, or the three digit number printed on the signature panel of any Discover Network Card to the account number embossed on the Card, and for all Cards compare the account number displayed on the electronic data capture terminal and/or printed on the Card Item to the account number embossed on the Card. 4. Verify the unique embossed symbol located next to the expiration date: on each Classic, Business and Gold VISA Card, and on each MasterCard and on each Discover Network Card. 5. Verify the signature panel on the back of the Card has a repetitive pattern of the “VISA” or “MasterCard” word mark and “Discover Network,” when held under an ultraviolet light, the word Discover or Discover Network will appear on the front of all Cards. If the signature panel on the Card is blank, Merchant must authorize the transaction and also review positive photo identification bearing the Cardholder’s signature ( such as an unexpired passport or driver’s license) to validate the Cardholder’s identity. Merchant must indicate the positive identification, including any serial number and expiration date, on the Card Item. The Cardholder is required to sign the signature panel of the Card prior to completing the transaction. A signature panel with the words “See I. D.” or equivalent language is considered blank. Merchant shall not complete a Card transaction if it detects any of the above listed situations. In the case of counterfeits or tampering (subparagraph (ii) above) or if the numbers are not the same (subparagraph (iii) above), or if a Card, the Cardholder, or a transaction seems suspicious Merchant should hold the Card if it can do so safely. Using a telephone, call the voice authorization number provided by ISO/Bank, and ask for a “Code 10” authorization. An operator will tell Merchant what to do. 2. Cardholder Identification. Merchant acknowledges that it understands that there is an increased risk in completing a sale under circumstances where the Cardholder fails to present a Card to Merchant, and that ISO/Bank discourages Card transactions under such circumstances. Merchant will exercise reasonable diligence to determine that the authorized signature on any Card presented corresponds to the signature on the Card Item and that the Cardholder resembles the person depicted in any picture which appears on the Card, if any. Merchant will not honor Cards presented by persons other than the proper person as evidenced by the authorized signature on the Card. If a transaction is completed by Merchant without a Card being physically presented, Merchant shall establish the true identity of the Cardholder as the authorized holder of such Card by obtaining evidence of his identity and noting such evidence on the applicable Card Item. The fact that Merchant has obtained authorization for the transaction does not avoid the need for such identification. Except as above provided and except in cases where Merchant is suspicious that fraudulent or unauthorized use of a Card is being made or attempted, Merchant shall not require Cardholders to provide personal information, such as home or business telephone numbers, address or drivers license number as a condition to honoring the Card. 2. AUTHORIZATION PROCEDURES. 1. Authorizations. Merchant will obtain authorization from ISO/Bank or its designee either by telephone, dial terminal or electronically for each Card transaction. Merchant will record the authorization number given by ISO/Bank or its designee on the Card Item and will complete the transaction only after receiving the necessary authorization. Merchant will not complete any Card transaction which ISO/Bank or its designee refuses to authorize. The fact that an authorization code is obtained does not affect ISO/Bank’s rights to revoke payment or otherwise require repayment of the transaction under the terms of this Agreement. In no event shall the fact that an authorization code was obtained by Merchant be deemed to be ISO/Bank’s representation that the particular Card transaction is in fact a valid, authorized or undisputed transaction entered into by the Cardholder or an authorized user of the Card. 2. Transactions When the Cardholder and the Card Are Not Present. For any transaction in which both the Card and the Cardholder are not present, Merchant MUST use the Address Verification Service (AVS). This includes mail, telephone or other non-present situations that Merchant may need to ensure the transaction is not fraudulent. Such situations could result in a loss to Merchant in the form of a chargeback. The process of AVS is to include a portion of the Cardholder’s billing street address and Zip code in the authorization request. Along with the authorization response, Merchant will receive a code that the address has matched in whole or in part. Although AVS is not a substitute for an authorization or a guarantee against loss, AVS information can be used to make an informed decision about the Cardholder and the transaction before releasing Merchant’s goods or services, thereby reducing the risk of loss to Merchant. In any event, it is Merchant’s responsibility to ensure it knows its customer is the true and correct Cardholder. 3. Transactions When the Card Will Not Read Using a Terminal. For any transaction in which the magnetic strip of the Card is unreadable using an electronic terminal, Merchant should consider using the Address Verification Service (AVS). In many situations an unreadable Card could be a counterfeit Card. Such situations could result in a loss to Merchant in the form of a chargeback. The process of AVS, for this purpose, is to include the Cardholder’s billing Zip code in the authorization request. Along with the authorization response, Merchant will receive a code that the code has matched. Although AVS is not a substitute for an authorization or a guarantee against loss, AVS information can be used to make an informed decision about the Cardholder and the transaction before releasing Merchant’s goods or services, thereby reducing the risk of loss to Merchant. In any event, it is Merchant’s responsibility to ensure it knows its customer is the true and correct Cardholder. 4. Retaining Cards. If so requested by ISO/Bank or other designated person from whom authorization is requested, Merchant will endeavor to retain the Card by reasonable and peaceful means. Merchant agrees that it shall be solely responsible for its actions in retaining Cards. 5. Special Authorization Procedures. The following are specific authorization procedures for certain types of merchants: 1. mail/phone order transactions may obtain authorizations on any day up to seven (7) calendar days prior to the transaction date (shipment date is considered to be the transaction date). This authorization will be valid if the Card Item amount is within 15 percent of the authorized amount, provided that the additional amount represents only shipping costs. 2. restaurant authorizations are valid if the Card Item amount is plus or minus 20 percent of the authorized amount. 3. automated fuel dispenser transactions must obtain an authorization for the exact amount of the Card Item or use the Status Check Procedure. The Status Check Procedure requires Merchant to request an authorization for $1 and the Card Item amount to be no more than $50. 4. PREPARATION OF CARD ITEMS. 1. Execution. For each transaction covered by this Agreement, Merchant will make a record of the transaction by preparing a paper Card Item on forms approved by ISO/Bank. 1. The Card Item shall legibly contain the Cardholder’s name, account number, expiration date, Merchant’s name and place of business, the date of transaction, the amount, identification of merchandise or services and such other information as shall be required by ISO/Bank or Card Association. In the case of a Card Item related to certain business credit cards, an accounting code provided by the Cardholder will need to be 22 listed. When a Card is present at the time of the transaction but the data contained on the magnetic stripe cannot be read by an electronic card reader, the Card Item must include a physical imprint of the data embossed on the front of the Card. If the physical imprint does not contain the embossed characters from the Card, DO NOT complete the transaction. 2. Merchant will obtain the signature of the Cardholder on the Card Item, but the Cardholder shall not be required to sign the Card Item until the total transaction amount is known and indicated on the Card Item. In the case of transactions by mail or telephone in lieu of such signature, Merchant shall write “mail order,” or “telephone order” as applicable. 3. Merchant will deliver a true and complete copy of the Card Item to the Cardholder at the close of each transaction unless otherwise agreed in writing by ISO/Bank. 2. Special Preparation of Card Items. Merchant will include all items of goods and services purchased or leased in a single transaction in the total amount of a single Card Item except when the balance of the amount due is paid by the Cardholder at the time of sale in cash or by check or both, or when the Cardholder elects to participate in one of the special transactions as defined below. The following are special procedures for Merchants who have received specific written authorization from ISO/Bank to perform these type of transactions: 1. As used herein, a “Delayed Delivery Transaction” means a transaction in which the first Card Item is completed as a deposit for the goods or services and payment of the balance is tendered by completion of a second Card Item. The latter Card Item will be conditioned upon delivery of merchandise or performance of services. Authorization is required for each Card Item, and separate authorization numbers will be assigned to each Card Item. Merchant will note on the Card Items the words “Delayed Delivery Deposit” and “Delayed Delivery Balance,” as appropriate, and both the authorization date and the transaction date. Duration between deposit and balance can not exceed one year. 2. As used herein, an “Installment Transaction” means a transaction from a mail/telephone Merchant in which payment is spread equally over multiple Card Items. Authorization is required for each Card Item, and separate authorization numbers will be assigned to each Card Item. Duration of an Installment Transaction can not exceed one year. In offering Cardholders the Installment Transaction option, the following conditions must be met. 1. Written disclosure of the terms to the Cardholder, including but not limited to, whether the Installment Transaction is limited to certain goods or services, the shipping/handling charges and any applicable tax, and 2. ensure that the sum of all the Installment Transaction does not include any finance charge or exceed the total price of the goods or service, and 3. the first installment must not be deposited until the shipment date and each interval is 30 calendar days or more apart or on the monthly anniversary of the shipment date. 3. As used herein, a “Recurring Transaction” means a payment for goods or services of an ongoing nature to a Cardholder. Authorization is required for each Card Item, and separate authorization numbers will be assigned to each Card Item. Merchant will note on the Card Items the words “Recurring Transaction” and both the authorization date and the transaction date. In offering Cardholders a Recurring Transaction the following conditions must be met. 1. Obtain from the Cardholder, in written form, an authorization for goods or services to be applied to their account. The written form can be a preprint order form but must include the transaction amount, frequency of the recurring transaction, and the duration of time for which the Cardholder permission is granted. Duration of the Cardholder’s permission cannot exceed one year. 2. Subsequent order forms are required for each renewal or additional recurring transaction. Merchant shall retain the order forms and will make available to ISO/Bank upon request. 3. Merchant must not include partial payments for goods or services in a single Recurring Transaction, include any financial charges, or complete a Card Item after receiving a negative response or cancellation notice from the Cardholder. 4. If the Card Item will be varying amounts, the order form must allow the Cardholder to specify a minimum and maximum amount per transaction, unless the Cardholder will be notified of the amount and the date of each transaction at least ten (10) calendar days prior to the each scheduled Card Item date. The Cardholder may choose to receive notification for every transaction, only when the amount is outside of the amounts specified on the order form, or when the amount will differ from the most recent amount by more than an agreed-upon amount. 4. As used herein, a “Preauthorized Health Care Transaction” means a transaction for goods or services for which the Cardholder has provided written permission to the health care Merchant to process Card Items. Authorization is required for each Card Item, and separate authorization numbers will be assigned to each Card Item. Merchant will note on the Card Items the words “Preauthorized Health Care.” In offering Cardholders a Preauthorized Health Care Transaction, the following conditions must be met. 1. Obtain from the Cardholder, in written form, a request for the service, an assignment of the Cardholder’s insurance benefits to the health care Merchant and an authorization for the health care Merchant to deposit a Card Item for only that portion of the bill due subsequent to Merchant’s receipt of any applicable insurance payment. The written form can be a preprint form. Duration of the Cardholder’s permission cannot exceed one year. 2. Subsequent order forms are required for each renewal or additional Preauthorized Health Care Transaction. Merchant shall retain the order forms and will make available to ISO/Bank upon request. 5. **CustomerCreditandRefunds**. Merchant will make no cash refunds to purchasers on Card transactions except for an Express Payment Services Transaction or when the recipient received the purchase as a gift from the Cardholder. If a price adjustment is allowed or any merchandise is returned, Merchant will complete a Card Item evidencing a credit to the Cardholder’s account. Merchant shall deliver such Card Item to ISO/Bank within 24 hours after preparation of such Card Item. Merchant will not present a Card Item representing a credit to a Cardholder’s account where there has not previously been presented to ISO/Bank a Card Item representing a debit in an amount equal to or greater than the Card Item representing the credit. Merchant shall be required to give credit on returns of merchandise unless the Card Item issued at the time the merchandise was purchased bears these words legibly printed in letters approximately 1/4 inch high near the space provided for the Cardholder’s signature: 1. “No Refund,” in which case Merchant is permitted to decline to make refunds to Cardholder; or 2. “Exchange Only,” in which case Merchant is permitted to allow the Cardholder to make only immediate exchanges for other merchandise purchased from Merchant; or 3. “In-Store Credit Only,” in which case Merchant is permitted to allow a store credit, for use only in Merchant’s place of business. In the case of “In-Store Credit Only” transactions, Merchant shall institute internal procedures which shall keep accurate account of amounts due the Cardholder. 4. PRESENTMENT OF CARD ITEMS. 1. **Delivery** **of** **Merchandise** **and** **Performance** **of** **Services**. Except in the special cases discussed above, Merchant shall not present a Card Item to ISO/Bank until the merchandise has been delivered, the services have been fully performed and Merchant has otherwise performed all of its obligations to the Cardholder in connection with the transaction. 2. **Presentment**. All presentments of Card Items by Merchant to ISO/Bank will be by electronic transmission in the form and manner approved by ISO/Bank. Card Items shall be presented within twenty-four (24) hours of the transaction date shown on the Card Item. Merchant shall balance and transmit the Card transactions contained in each terminal daily except on days when Merchant’s place of business is closed. 5. **EXPRESSPAYMENTSERVICE.** 1. **Service** **Availability.** The Express Payment Service is limited to restaurants, motion picture theaters, and parking facilities. In all cases Merchant must have written approval from ISO/Bank to use this service. 25 2. **ProcessingRequirements.** Merchant must process all Express Payment Service transactions at a magnetic-strip reading terminal, the transaction cannot be key entered to qualify for this service. For each transaction the Card Item must contain the Card Account Number, transaction date, and the transaction amount. 1. For transactions of $25 or less, Merchant is not required to obtain the Cardholder’s signature on the Card Item, or to provide a receipt for the transaction to the Cardholder, unless the Cardholder requests one. Merchant must prominently display at least one sign advising Cardholders that transaction receipts are available upon request. 2. Transactions greater than $25 do not qualify for Express Payment Service and need to comply with the Operating Procedures for such transactions. 6. **TRANSACTIONSREQUIRINGAPERSONALIDENTIFICATIONNUMBER(PIN).** 1. **Compliance**. Merchant will comply with the applicable Operating Regulations and with applicable federal, state and local law, rules and regulations, including, without limitation, the Electronic Funds Transfer Act and Regulation E of the Board of Governors of the Federal Reserve System. Transactions using a PIN must have the Cardholder and Card present at the time of the transaction. Only the Cardholder can input information into a PIN pad. 2. **Execution**. If the electronic terminal requests the Cardholder to enter their personal identification number (PIN) the following procedures need to be followed by Merchant. 1. Each transaction requiring a PIN must be submitted for on-line electronic authorization initiated by the use of a magnetic stripe reader to read the full unaltered contents of the Card. 2. The Cardholder shall be required to enter his or her PIN through a PIN pad, approved by ISO/Bank, located at the point-of-sale. 3. Each PIN pad shall be situated so as to permit Cardholders to input their PINs without revealing them to other persons, including Merchant personnel. 4. Merchant shall instruct its personnel that; 1. they shall under no circumstances ask any Cardholder to disclose his or her PIN; 2. they nevertheless shall not create or maintain any record of such PIN and shall not disclose such PIN to any other person. 5. For each Card Item, in which a PIN was used, a receipt in conformity with Regulation E shall be made available to the Cardholder. 6. If a Card Item, in which a PIN was used, is discovered to be in error after the Cardholder is no longer present, Merchant’s only solution will be to contact ISO/Bank by means of a written request from Merchant to ISO/Bank. The request for adjustment must 26 reference a settled Card Item in which a PIN was used. The adjustment must be completed within forty-five (45) calendar days after the date of the original Card Item. 7. **PROCEDURES** **IN** **EVENTS** **OF** **DISPUTE.** To assist in the resolution of any dispute arising from the use of Merchant Operating Procedures, Merchant shall retain for 9 months, and make available within ten (10) days of ISO/Bank’s request, all pertinent records pertaining to each transaction in question, including but not limited to Card Items, order forms, itemized bills, authorization requests and other related documents. Merchant will have 90 calendar days from the date of their statement to dispute any transaction, discount, or other items. 8. TRANSMISSION, PRESENTMENT AND PAYMENT OF CARD ITEMS. 1. Certain Transactions Authorized and Transmitted Only. The Cards for which ISO/Bank will provide authorization and transmission only are designated on the Fee Schedule. Notwithstanding any other term or provision hereof, with respect to the Cards for which ISO/Bank is to provide authorization and transmission only (including Discover, American Express, Carte Blanche, Diner’s Club and JCB), ISO/Bank’s only involvement is and shall be to receive from Merchant’s locations transactions arising from the use of such Cards and to transmit them to the applicable Other Card Sponsor. ISO/Bank will not pay for nor settle with Merchant for transactions involving such Cards and shall have no further obligation or responsibility with respect thereto. Merchant shall be responsible for obtaining any consent required by the Other Card Sponsors which issue such Cards, shall comply with all terms and provisions of its agreements with such Other Card Sponsors and any applicable Operating Regulations, and shall indemnify ISO/Bank from any loss, cost or damage with respect thereto. The provisions of the remaining subparagraphs of this Section 3 shall not apply to Card Items arising from use of Cards designated for authorization and transmission only, but shall apply to all other Card Items. 2. Presentment of Card Items. Merchant agrees to present all Card Items electronically to ISO/Bank, and to follow the procedures set forth in the Merchant Operating Guide in presenting Card Items to ISO/Bank. Merchant shall not deliver to ISO/Bank, directly or indirectly, any Card Item where there is, or would be upon presentment, breach of any warranty of presentment under the provisions of this Agreement as to that Card Item. Merchant agrees to bear the entire risk of loss or destruction of Card Items until ISO/Bank receives such Card Items in a format acceptable to it. Merchant’s right to review, question or dispute Merchant’s delivery of Card Items to ISO/Bank or ISO/Bank’s receipt of any Card Items delivered from Merchant shall be limited to a period of ninety (90) calendar days following the transaction date of the Card Item. 3. Endorsement of Card Items. The electronic presentment of any Card Item to ISO/Bank will be deemed an endorsement of such Card Item by Merchant to ISO/Bank, and ISO/Bank is hereby authorized to place Merchant’s electronic or physical endorsement on, or to process on Merchant’s behalf without any endorsement, any such Card Item at any time. Subject to ISO/Bank’s right to revoke provisional credit, and subject to Merchant’s duty to repay ISO/Bank for chargebacks under Section 4, the presentment to ISO/Bank of any Card Items 27 by Merchant for payment by ISO/Bank shall be final as to Merchant, so that Merchant has no right, title or interest in and to Card Items presented to ISO/Bank, or to any copy thereof. 4. ISO/Bank’s Right to Payment on Presented Items. Except as provided below in this subsection, ISO/Bank will have the sole right to receive payment on Card Items presented to ISO/Bank; Merchant agrees not to sue, not to attempt to collect on such Card Items, in any manner, and not to receive any funds on account of any Card Items presented to ISO/Bank; if Merchant nevertheless receives any funds on a Card Item presented to ISO/Bank, Merchant will hold the funds in trust for the benefit of ISO/Bank and pay them to ISO/Bank promptly on receipt. In any case where ISO/Bank shall have charged back a Card Item to Merchant and Merchant shall have paid ISO/Bank for such Card Item, these restrictions will not apply. 5. Representations and Warranties of Presentment. As to each Card Item presented to ISO/Bank and as to the transaction evidenced by any such Card Item, Merchant represents and warrants to ISO/Bank that: 1. the Card Item represents a bona fide sale or lease of merchandise or services provided by Merchant to customers presenting their Cards for use in payment therefor in the ordinary course of Merchant’s business; 2. the Card transaction does not represent a refinancing of an existing debt of the Cardholder; 3. unless ISO/Bank shall have previously agreed in writing, the Card used in the Card transaction was not issued to Merchant, any owner of Merchant (if a proprietorship), any general partner of Merchant (if a partnership) or any officer of Merchant (if a corporation); 4. the transaction and the authorization, preparation and presentment of the Card Item comply with the terms and conditions set out in the applicable Operating Regulations and this Agreement, including the Merchant Operating Guide; 5. the Card Item has not previously been presented to ISO/Bank or any other ISO/Bank or processor of Card transactions. 6. **CredittoMerchant.** Upon presentment of a Card Item to ISO/Bank, in the form specified by ISO/Bank, and subject to the terms, conditions, warranties, and Merchant’s obligations set out in this Agreement, and subject to applicable Operating Regulations, ISO/Bank will process such Card Item through the appropriate clearing system. Upon receipt of settlement of credit by ISO/Bank for such Card Item, ISO/Bank will cause the Account to be credited on a daily basis with an amount equal to the credit received by ISO/Bank in respect of the Card Item processed, net of any fees and refund credits issued to Cardholders, and all other adjustments received for posting that day, but ISO/Bank shall have no responsibility to Merchant for the failure of any Third Party ISO/Bank to properly account to Merchant for any amounts so credited nor for Merchant’s inability to obtain such funds from the Third Party ISO/Bank for any reason. All credit to the Account from time to time shall be provisional and is subject at all times to hold, reversal and/or chargeback pursuant to this Agreement. If ISO/Bank either suspects or has reason to believe that Merchant has breached 28 any agreement, representation or warranty under or pursuant to this Agreement, ISO/Bank may suspend making payments or credits to Merchant hereunder pending ISO/Bank’s investigation and resolution of any such matter 1. the Card Item arises out of bona fide sale or lease of merchandise or services permitted by law to be sold or leased by Merchant, and the transaction otherwise complies with all governmental rules and regulations binding upon or applicable to Merchant; 2. Merchant has no knowledge or notice of information to indicate that the enforceability or collection of the subject Card Item is in any manner impaired; 3. Merchant has no knowledge or notice of information to indicate that the transaction is fraudulent or not authorized by the Cardholder; 4. the person who presents a Card or Card number for use in a Card transaction (whether in person, by telephone or by mail) is in fact the Cardholder to whom the Card was issued or has been duly authorized by the Cardholder to use the Card in the transaction with Merchant; 5. the Card Item does not arise out of any gambling transaction consummated over the Internet; and 6. the information on the Card Item is accurate and correct, and the Card Item is free from any alteration not authorized by the Cardholder. 7. MERCHANT ASSURES THAT THE PERSON INITIATING ANY CARD TRANSACTIONS CONDUCTED WITHOUT A CARD BEING PHYSICALLY PRESENT, INCLUDING WITHOUT LIMITATION TELEPHONE, MAIL ORDER, INTERNET, RECURRING AND OTHER TRANSACTIONS, IS THE PROPER HOLDER OF THE CARD, EVEN WHEN AUTHORIZATION HAS BEEN OBTAINED FROM ISO/BANK OR AN APPROPRIATE AUTHORIZATION CENTER. IN OTHER WORDS, SHOULD THE PROPER CARDHOLDER DISPUTE ENTERING INTO THE TRANSACTION CONDUCTED WITHOUT A CARD BEING PHYSICALLY PRESENT, THE TRANSACTION MAY BE CHARGED BACK TO MERCHANT PURSUANT TO SECTION 4.A(xi) BELOW, WHETHER OR NOT THE TRANSACTION WAS AUTHORIZED 9. **THIRD-PARTYVENDORS.** 1. **Forms.** ISO/Bank or its designee shall make available for purchase by Merchant the forms and supplies used to create Card Items, such as roll paper, ribbons, sales and credit drafts, and other transactions between Merchant and Cardholders, and between Merchant and ISO/Bank, if any, at the then current price determined by ISO/Bank. 2. Equipment. Merchant may select terminals, printers and other equipment (“Equipment”) for use in processing Card transactions and other related payment services either from a vendor referred by ISO/Bank (“Referred Equipment Vendor”) or from another 29 vendor of Merchant’s choosing (“Other Equipment Vendor”) provided that any such Other Equipment Vendor and the Equipment sold/leased by it shall have been first approved by ISO/Bank and the equipment has been certified and is supported by ISO/Bank’s service providers. Merchant hereby authorizes ISO/Bank to make ACH debits to Merchant’s Account for any Equipment purchase, installment or lease payments due to the Referred Equipment Vendor in the manner described in Section 3.H; and ISO/Bank shall be fully exonerated in relying on any billing or other statement of charges submitted to it by the Referred Equipment Vendor. 3. Software. Merchant may select software and related user materials (“Software”) for use in processing Card transactions from ISO/Bank (“Referred Software Vendor,”) or from another vendor of Merchant’s choosing (“Other Software Vendor”); provided, however, that the Other Software Vendor and the Software supplied by it shall have been first approved by ISO/Bank. Any such Other Software Vendor shall be the agent of Merchant for delivery of Card transactions to ISO/Bank or ISO/Bank’s service providers. Merchant shall be liable to ISO/Bank for any loss, damage, cost or fee resulting from any failure of any Software, including that acquired from a Referred Software Vendor, to comply with applicable Operating Regulations, including any failure which results in a chargeback to Merchant. 4. Effect of ISO/Bank Consent. ISO/Bank’s right to approve Merchant’s use of an Other Equipment Vendor or Other Software Vendor and ISO/Bank’s selection of Referred Equipment Vendors and Referred Software Vendors, (collectively, the “Third-Party Vendors”) are intended solely for the benefit of ISO/Bank. No such approval, consent or selection shall be construed as a representation or warranty by ISO/Bank regarding the ability of such Third Party Vendors to comply with Operating Regulations or to provide Software, Equipment or services meeting Merchant’s needs. ISO/Bank reserves the right to revoke its consent to Merchant’s use of any Software or Equipment or other vender at any time. Notwithstanding any consent or recommendation by ISO/Bank to Merchant regarding Equipment, Software or Third-Party Vendors, the selection and use of any thereof shall be strictly at Merchant’s risk. 10. **CHARGEBACKS,SECURITYINTEREST,DISCOUNTSANDFEESTOISO/BANK.(OPGuide)** 1. **Chargebacks.** If Merchant has received payment for a Card Item, upon demand by ISO/Bank, Merchant will repay to ISO/Bank the amount of the subject Card Item if ISO/Bank reasonably determines that any of the following circumstances has occurred: 1. any Card Item for which ISO/Bank credited the Account fails or allegedly fails in any manner to comply with the terms and conditions of this Agreement (including, but not limited to the Merchant Operating Guide and/or warranties of presentment contained herein), with applicable Operating Regulations, or with any law, statute, or governmental regulation, which failure or alleged failure results in a chargeback to ISO/Bank by the Card issuer; 2. any Cardholder asserts any dispute, claim, counterclaim, defense or set-off against Merchant respecting any merchandise or service or both purchased or leased by use of a Card, whether or not such assertion is valid; 3. the Card Item or any material information it contains is illegible, incomplete, or unsigned or is not presented to ISO/Bank within the required time limits; 4. the Card Item contains a counterfeit or altered account number, or the Card had expired or was invalid on the transaction date (regardless of whether an authorization code was obtained for the transaction), or the Card is damaged and prevents the use of the security features such as photo, signature or magnetic stripe; 5. the required authorization of the transaction (either by voice authorization or electronically) was not obtained, or a valid authorization code is not correctly and legibly printed on the Card Item; 6. an imprint of the Card was required at the time of the transaction but was not obtained, including when the Card’s magnetic stripe cannot be read during the process of completing a transaction; 7. the Card Item is a duplicate of an item previously paid; 8. the Cardholder disputes the execution of the Card Item, the sale, delivery, quality or performance of the merchandise or services purchased, or alleges that a credit adjustment was requested and refused or that a credit adjustment was issued by Merchant but not posted to the Cardholder’s account; 9. the price of the merchandise or services shown on the Card Item differs from the amount shown on the copy of the Card Item delivered to the Cardholder at the time of the transaction; 10. the Card Item has been charged back to ISO/Bank for any reason by or through VISA, MasterCard, Discover Network or Other Card Sponsor, as applicable; or otherwise charged back for any reason under applicable Operating Regulations; 11. the Card Item was prepared without a card being physically present, including without limitation telephone, mail order, internet, recurring and other transactions, and the proper holder of the Card, according to the Card issuer, disputes entering into or otherwise authorizing the transaction; or 12. ISO/Bank has requested copies of Card Items or other records referred to in Section 7.C of this Agreement, and Merchant has failed to provide the copies in the time period allowed. Merchant authorizes ISO/Bank to obtain such repayment by debiting from the Account for the face amount of such Card Item and crediting such amount to ISO/Bank, all without prior notice to or consent of Merchant. ISO/Bank will send a chargeback advice to Merchant after debits occur. To the extent that Operating Regulations permit a merchant to dispute a chargeback, Merchant shall submit any such dispute to ISO/Bank within fifteen (15) calendar days following receipt of a chargeback advice from ISO/Bank.Merchant’s failure to dispute a chargeback within the above-specified period shall constitute a waiver of all rights of Merchant to dispute the chargeback. If Merchant has multiple locations, Merchant shall, upon execution of this Agreement, designate one or more of its locations as the location(s) for handling chargebacks and chargeback disputes and notify ISO/Bank of the designated location(s). Merchant hereby consents to extensions of time granted, or compromises made by ISO/Bank, with any Cardholder liable on any Card Item or with the issuer of the Card. It is expressly agreed and understood that ISO/Bank will make no inquiry into Cardholder complaints concerning the quality or quantity of merchandise or service to which Card Items relate. --- ### [Esquire and Flute Merchant Agreement](https://stg-flute-staging.kinsta.cloud/esquire-and-flute-merchant-agreement/) **Published:** May 28, 2026 **Author:** Nerraj Thakur **Content:** **MERCHANT AGREEMENT** In consideration of the mutual promises and covenants contained in this Merchant Agreement (“Agreement”), and the agreement of Merchant to participate in the card processing services program established by Bank, the parties agree as follows: **1. Parties**. The parties to this Agreement are ESQUIRE BANK, National Association, whose address is 100 Jericho Quadrangle, Suite 100, Jericho, New York 11753 (“Bank”), and Flute Commerce LLC, whose address is1215 W Rio Salado Pkwy, Suite 107, Tempe, AZ 85281 (“ISO”), and the Merchant set forth on the Merchant Application form to which this Agreement is attached (“Merchant”). **2. Definitions**. For the purposes of this Agreement and the Schedules referred to herein, the following definitions apply unless the context otherwise requires: “Address Verification” means a service that allows Merchant to verify the home address of Cardholders with the relevant Issuer. “Applicable Law” means: (i) all applicable federal, state and local laws, rules and regulations; and (ii) the Rules. “Association(s)” means VISA U.S.A., Inc. (“Visa”), MasterCard International Incorporated (“MasterCard”), American Express Travel Related Services (“American Express”), Discover Financial Services LLC (“Discover”). “Authorization” means an affirmative response, by or on behalf of an Issuer to a request to effect a Transaction, that a Transaction is within the relevant Cardholder’s available credit limit and that the Cardholder has not reported the Card lost or stolen. All Transactions requiring Authorization by the Associations must be authorized. “Authorization Center” means the facility or facilities designated from time to time by Bank or ISO to which Merchant shall submit all requests for Authorization. “Business Day” means any day other than: (i) a Saturday or Sunday; or (ii) a day on which banking institutions in New York are authorized by law or executive order to be closed (and on which Bank is in fact closed). “Card(s)” means either a Visa, MasterCard, American Express or Discover credit card, debit card (or other similar card that requires a PIN for identification purposes), or pre- paid, stored-value or gift cards. “Cardholder” means a person authorized to use a Card. “Chargeback” means a Transaction that Bank returns to Merchant pursuant to this Agreement. “Forced Sale” means a sales Transaction processed without an approved electronic Authorization number being obtained for the full amount of the sales Transaction at the time the Transaction is processed. “Full Recourse Transactions” means mail orders, telephone orders, e-commerce (Internet) orders, Pre-Authorized Recurring Order Transactions, and other “card not present” sales. “Issuer” means a member of an Association that enters into a contractual relationship with a Cardholder for the issuance of one or more Cards. “Merchant Statement” means an itemized monthly statement of all charges and credits to the Operating Account (as that term is defined in Section 5 of this Agreement). “Monthly Chargeback Violation,” for any given calendar month, means that more than five Chargebacks have been processed in that month and that the Transaction Chargeback Ratio for that month is equal to or greater than 1%. “Mid-Qualified Transactions” means any Transaction categorized as such by the processor designated by Bank to settle Transactions with the Associations “Non-Qualified Transactions” means: (i) any Transaction submitted for processing more than 48 hours past the time the Authorization occurred; (ii) any Transaction missing required data; and (iii) any Transaction categorized as such by the processor designated by Bank to settle Transactions with the Associations. “Normal Transaction” means a Transaction in which the Card is swiped through or dipped in a terminal, register or other device, capturing the Card information encoded on the Card’s magnetic strip. “Pre-Authorized Recurring Order Transaction” means a Transaction that has been pre- authorized by the Cardholder and for which the goods or services are to be delivered or performed in the future by Merchant without having to obtain approval from the Cardholder each time. “Qualified Transactions” means any Transaction categorized as such by the processor designated by Bank to settle Transactions with the Associations. “Rules” means all rules, regulations, by-laws, standards and procedures adopted and/or amended from time to time by the Associations (including, without limitation, the Payment Card Industry Data Security Standard), Bank and each relevant Issuer. “Services” means the transaction processing services described on the attached Merchant Application and Agreement, as the same may be amended from time to time by Bank, in its sole discretion. “Transaction” means the acceptance of a Card or information embossed on the Card for payment for goods sold and/or leased or services provided to Cardholders by Merchant and receipt of payment from Bank, whether the Transaction is approved, declined, or processed as a Forced Sale. The term “Transaction” also includes credits, errors, returns and adjustments. “Transaction Chargeback Ratio,” for any given calendar month, means the number of Chargebacks processed in that month divided by the total number of Transactions processed in that month. 3. **Services Provided to Merchant**. During the term of this Agreement, subject to the terms and conditions of this Agreement, Bank shall provide the Services to Merchant. In order to facilitate such Services, ISO shall provide technical documentation as needed, and technical support and customer support (including, without limitation, Authorization, settlement and Chargeback processing and reporting), twenty-four hours each day, seven days each week, in order to allow Merchant to accept and process Transactions. Upon settlement of funds into the Operating Account as set forth in Section 5(a), ISO and third party providers may provide Additional Services as further set forth in Section 49 below. 4. **Term**. This Agreement shall become effective when all parties sign the Merchant Application form to which this Agreement is attached (or in connection with which this Agreement is provided) and, unless sooner terminated, shall remain in effect for a term of three (3) years. This Agreement shall renew automatically for successive terms of three (3) years each, unless any party provides written notice of termination to the other parties at least 90 days prior to the end of the then-current term. All existing obligations, warranties, indemnities and agreements with respect to Transactions entered into before such termination shall remain in full force and effect, and, regardless of any such termination, Merchant shall remain liable for all obligations to Cardholders and Bank that are incurred while this Agreement is in effect. 5. **Merchant Operating Account**. 1. Prior to accepting any Cards, Merchant shall establish a demand deposit account at Bank or at a financial institution approved by Bank and ISO (the “Business Account”). If Merchant does not elect to receive Additional Services pursuant to Section 49 below, the Business Account will also serve as the “Operating Account” for purposes of this Agreement, through which fees, charges and credits due to Merchant in accordance with this Agreement may be processed, charged and collected. Bank, ISO and Merchant acknowledge and agree, however, that, if Merchant elects to receive Additional Services pursuant to the terms of Section 49, below: (i) Merchant will request to have the “Operating Account” established at a third-party financial institution that will be designated from time to time by ISO; and (ii) Bank and ISO will agree, in advance of any such election by Merchant, that any third-party financial institution so designated by ISO is acceptable to Bank for Operating Account-related purposes. 2. Merchant authorizes Bank to debit all amounts Merchant owes Bank hereunder or any other agreement entered into between Merchant and Bank from the Operating Account and/or Business Account, whether maintained at Bank or another financial institution, at times deemed appropriate by Bank, through the ACH Banking Network or by a manual debit (if held at Bank). Merchant waives any and all claims for loss or damage arising out of any such charges or debits to the Operating Account or Business Account. 6. **Reserve Account**. Upon, or at any time after, execution of this Agreement, Bank may establish a reserve account at Bank (the “Reserve Account”) in such amount as Bank from time to time may determine in its sole discretion. Bank may fund the Reserve Account by deducting amounts from payments due to Merchant, by effecting a charge against Merchant’s Operating Account or Business Account or against any of Merchant’s accounts at Bank, or by demanding payment from Merchant (which payment Merchant shall make within ten (10) days after receipt of any such demand). The Reserve Account will be maintained for a minimum of nine months after the date on which this Agreement terminates or until such time as Bank determines that the release of the funds to Merchant is prudent, in the best interest of Bank, and commercially reasonable, and that Merchant’s account with Bank under this Agreement and any other agreement entered into between Merchant and Bank is fully resolved. Merchant and ISO acknowledge and agree that only Bank, and not ISO, may authorize or effect any release of funds from the Reserve Account. Bank may withdraw funds from the Reserve Account at any time to offset any indebtedness of Merchant to Bank that may arise out of or relate to the obligations of Merchant under this agreement (including, but not limited to, Chargebacks and fees) or to offset any other indebtedness of Merchant to Bank under any other agreement entered into between Merchant and Bank. Upon expiration of this nine-month period, any balance remaining in the Reserve Account will be paid to Merchant. Bank will inform Merchant in writing of any charges debited to the Reserve Account during this nine-month period. Notwithstanding the foregoing, Bank, in its sole discretion, may release funds from the Reserve Account prior to the expiration of such nine-month period based on its assessment of the risks associated with effecting such release. 7. **Fees**. Merchant shall pay to Bank and ISO all fees specified in the Fee Schedule set forth in the Merchant Application and Agreement (the “Fee Schedule”). For each Transaction, Bank and ISO will charge Merchant as follows: (a) An amount (“Merchant Discount Fees”) equal to a specified percentage of the total cash price of each sales and cash withdrawal Transaction (“Merchant Discount Rate”); (b) A specified amount per Transaction (“Transaction Fee”); and (c) A specified amount per Authorization (“Authorization Fee”). The Merchant Discount Rate, Authorization Fees and Transaction Fees are set forth on the *Fee Schedule*. Different Merchant Discount Rates may apply to Qualified, Mid-Qualified and Non-Qualified Transactions, as shown on *the Fee Schedule*. Merchant agrees that Bank will, and authorizes Bank to, deduct Merchant Discount Fees from the Business Account or Reserve Account on a daily basis unless a monthly basis is specified on the *Fee Schedule*. Merchant also agrees to pay to Bank or ISO the amount of any fees, charges or penalties assessed against Bank or ISO by any Association or Issuer for Merchant’s violation of any Applicable Law. Merchant shall pay Bank and ISO for any other services provided to Merchant by Bank or ISO and for all other fees shown on the *Fee Schedule*, including, but not limited to, monthly minimum fees, Chargeback fees and customer service fees. 8. **Billing**. All amounts Merchant owes to Bank, for any reason, may be charged to the Operating Account, Business Account or Reserve Account, recouped by adjustment to any credits due to Merchant, or set off against any account or property Bank holds for or on behalf of Merchant. 9. **Security Interest**. As security for the performance by Merchant of all of its obligations under this Agreement, Merchant hereby grants to Bank a security interest in: (i) the funds held in the Operating Account, the Business Account and the Reserve Account; and (ii) any inventory with respect to which a Transaction has occurred but has not yet been fulfilled. Merchant will execute and deliver to Bank such documents, in form satisfactory to Bank, as Bank may reasonably request in order to perfect Bank’s security interest in the Operating Account, Business Account, Reserve Account and such inventory, and will pay all costs and expenses associated with filing the same or this Agreement in all public filing offices, where filing is deemed by Bank to be necessary or desirable. Bank is authorized to file financing statements relating to the Operating Account, the Business Account, the Reserve Account and such inventory without ISO where authorized by law. Merchant appoints Bank as its attorney-in-fact to execute such documents as are necessary or desirable to accomplish perfection of any security interests. This appointment is coupled with an interest and shall be irrevocable as long as Merchant owes any amount to Bank. 10. **Processing Transactions**. 1. Merchant shall obtain Authorizations and process Transactions using such equipment and software as may be approved from time to time by Bank, in its sole discretion (the “Equipment”). Merchant shall validate Cards and Cardholders in face-to-face transactions as required by Applicable Law. 2. Merchant shall obtain Authorizations for Transactions in a manner required by Applicable Law and in the manner, and following the processes and procedures, determined from time to time by Bank, in its sole discretion, and communicated to Merchant by either Bank or ISO. 3. Merchant shall not submit a Transaction to Bank (electronically or otherwise) until Merchant has performed its obligations to the Cardholder in connection with the Transaction or obtained Cardholder’s consent for a Pre-Authorized Recurring Order Transaction. 4. Merchant shall not transmit any Transaction to Bank that Merchant knows or should have known to be illegal, fraudulent or not authorized by the Cardholder. 5. Merchant shall not process a Transaction that does not result from an act between a Cardholder and Merchant. 6. ) Merchant shall not request or use any Card number for any purpose other than as payment for its goods or services. 7. Merchant may transmit a Transaction that effects a prepayment of services or full prepayment of custom-ordered merchandise, manufactured to a Cardholder’s specifications, if Merchant advises Cardholder of the immediate billing at the time of the Transaction and within time limits established by the Associations. **11. Prohibited Transactions**. Merchant shall not do any of the following: 1. Establish a minimum on debit cards or greater than $10.00 on credit cards or a maximum dollar Transaction amount; 2. Obtain multiple Authorizations for amounts less than the total sale amount; 3. ) Obtain Authorization for the purpose of setting aside the Cardholder’s credit line for use in future sales; 4. Extend credit for or defer the time of payment of the total cash price in any Transaction; 5. Honor a Card except in a Transaction where a total cash price is due and payable; 6. Make any special charge to or extract any special agreement or security from any Cardholder in connection with any Transaction; 7. Transmit or accept payment for any Transaction that was not originated directly between Merchant and a Cardholder for the sale or lease of goods or the performance of services of the type indicated in the Merchant Application form to which this Agreement is attached; 8. Honor or accept a Card as payment for any legal services or expenses arising out of or related to: (i) any domestic relations matter where such services or expenses are furnished to a person whose name is not embossed on a Card; or (ii) any bankruptcy, insolvency, compromise, composition or other process affecting Cardholder’s creditors; (i) Use Merchant’s own Card, or one to which Merchant has access, to process a Transaction for the purpose of obtaining credit for Merchant’s own benefit; 10. Re-process any Transaction that was previously charged back to Bank and subsequently returned to Merchant, irrespective of Cardholder approval; 11. Initiate a Transaction credit without a preceding debit at least equal to the credit; 12. Initiate a Transaction credit without a balance in the Operating Account and/or the Business Account at least equal to the credit; 13. Use the Equipment or any data received thereon for any other purpose other than for determining whether or not Merchant should accept checks or Cards in connection with a current sale or lease of goods or services; 14. Use the Equipment or any data received thereon for credit inquiry purposes or any other purpose not authorized by this Agreement; 15. Draw or convey any inference concerning a person’s creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics or mode of living when any Card or check is processed as non-accepted; 16. Disclose any information obtained through the Equipment to any person except for necessary disclosures to affected Cardholders, Bank and/or the Issuer; 17. Disburse funds in the form of travelers cheques, if the sole purpose is to allow the Cardholder to make a cash purchase of goods or services from Merchant; 18. Disburse funds in the form of cash; 19. Accept a Card to collect or refinance an existing debt (whether originally owed to Merchant or otherwise) that is considered uncollectible (for example, payments to a collection agency or attempts to recover funds for a dishonored check) except to the extent specifically permitted by Applicable Law; 20. Issue a Transaction credit in respect of goods or services acquired in a cash transaction which are returned; 21. Make any cash refund to a Cardholder who has made a purchase with a credit Card (all Transaction credits shall be issued to the same credit Card account number used in the sale); 22. Require a Cardholder to complete a postcard or similar device that includes the Cardholder’s account number, Card expiration date, signature or any other Card account data in plain view when mailed;; 23. Accept a Card for the purchase of Scrip (as defined by applicable VISA regulations),except to the extent specifically permitted by Applicable Law; 24. Accept any payment directly from a Cardholder for previous Card charges incurred and processed by Merchant; 25. Require, through an increase in price or otherwise, any Cardholder to pay any surcharge in connection with any Transaction or to pay any part of any charge imposed on Merchant by Bank except, in either case, as expressly permitted by, and under terms and conditions that comply in full with, Applicable Law; 26. Provide cash to a Visa cardholder unless Merchant is either (i) participating in Visa Cash-Back Services or (ii) a hotel or cruise line; 27. Cause any Cardholder to waive its right to dispute a Transaction; 28. Request the Card Verification Value 2 data (as defined by Visa) on any paper order form; 29. Request a Cardholder account number for any purpose that is not related to payment for goods or services; or 30. Add any tax to Transactions, unless applicable law expressly requires that a merchant be permitted to impose a tax, and only if such tax is included in the Transaction amount and not collected separately. **12. Prohibition of Furnishing Account Information; Use of Third Parties**. Merchant shall not, without the Cardholder’s consent, sell, purchase, provide or exchange any Card information in the form of Transaction documents, carbon copies of imprinted Transaction documents, mailing lists, tapes, journal rolls or other media obtained through the use of a Card to any third party. Merchant may use third parties that do not have a direct agreement with Bank as Merchant’s agent for the direct delivery of Transactions for clearing and settlement if: 1. Merchant advises Bank that it will use a third-party processor in this capacity, identifying the third party so selected by Merchant; 2. Merchant agrees that Bank will reimburse Merchant only for the Visa Transactions delivered by that third-party processor to VisaNet; and 3. Merchant assumes responsibility for any failure by its third-party processor to comply with Applicable Law. Merchant shall notify Bank of the identity of any third party performing services to Merchant in connection with which such third party has access to any Card information. **13. Daily Reconciliation of Transactions**. 1. Electronically Transmitted Transactions. Bank shall control and disburse all Transaction-related settlement funds to Merchant. Transactions with respect to which Bank receives payment from or through the Associations will be settled on a daily basis, and, except as otherwise expressly provided or permitted pursuant to the terms of this Agreement, Bank shall deliver payment to Merchant in connection with such Transactions by effecting a credit to the Operating Account equal to the reconciled and paid summary Transaction total of all of Merchant’s total paid summary Transactions since the previous credit. Notwithstanding the foregoing, Bank may, in its sole discretion, effect a credit to the Operating Account in connection with any Transaction prior to the point in time Bank receives payment in connection therewith from or through the Associations. In either case, Bank may, if necessary or appropriate, reduce any credit made to the Operating Account by, and/or Bank may require that Merchant pay to Bank an amount equal to: (i) the sum of all Cardholder charges denied, refused or charged back; (ii) all refunds processed on account of Cardholders during said time period; (iii) the amounts, fees and charges, including (but not limited to) Chargebacks, Merchant owes Bank hereunder or under any other agreement entered into between Bank and Merchant; (iv) all taxes, penalties, charges, fees and other items incurred by Bank that are reimbursable pursuant to this Agreement; (v) all applicable rates, fees and charges described on *the Fee Schedule*; (vi) any amount Bank previously credited to the Operating Account that Bank determines, in good faith, was incorrectly so credited; and (vii) any amount Bank determines, in its sole discretion, represents unacceptable risk to the relevant Cardholder or Bank. Any application of funds associated with the settlement of Transactions that differs from the foregoing must be agreed to, in writing, by Bank and Merchant and may not, in any respect, violate Applicable Law. 2. Reconciliation of Transactions. Merchant shall reconcile each settled Transaction within fifteen (15) days after the date on which such Transaction is submitted to Bank for payment, and shall notify Bank and ISO immediately of any discrepancies or errors Merchant notes as a result of such reconciliation. Neither Bank nor ISO shall have any responsibility or liability for Transaction-related errors or omissions that are brought to their attention more than thirty (30) days after the date on which the Transaction to which such error or omission relates is first presented to Bank for settlement. 3. Provisional Credit. Any credits to the Operating Account are provisional only and subject to revocation by Bank until such time that the Transaction is final and no longer subject to Chargeback by the Issuer, Cardholder or Associations. Bank may withhold payment for a Transaction to Merchant, for any reason, until such time as the Transaction has been verified as legitimate by the relevant Issuer, or Bank receives adequate supporting documentation from Merchant to authenticate the Transaction and mitigate Chargeback risk. 14. **Adjustments and Returns**. Merchant will maintain a fair exchange and return policy and make adjustments with respect to goods and services sold and/or leased to its customers whenever appropriate. If Merchant limits its acceptance of returned merchandise, or if Merchant is an Electronic Commerce Merchant, Merchant will ensure that its return policy are clearly set forth on the Transaction receipt or on Merchant’s website, as required by Applicable Law. If goods are returned, or services are terminated or canceled, or any price is adjusted, Merchant will prepare and transmit a credit or return Transaction, either electronically or by paper, for the amount of the adjustment as a deduction from the total amount of Transactions transmitted that day. If the amount of credit or return Transactions exceeds the amount of sales Transactions, Merchant shall pay the excess to Bank. Merchant shall make no cash refunds on credit Transactions and shall handle all credit adjustments as provided in this Section 14. If no refund or return will be given, Merchant must advise Cardholder in writing, at the time of the Transaction, that the sale is a “final sale” and “no returns” are permitted. Merchant must advise Cardholder in writing of any policy of Merchant that provides for no-cash refunds and in-store credit only. Merchant shall follow Association reservation/no-show policies, and shall notify Cardholders in writing of this policy on all advance reservations. Merchant also shall notify Cardholders at the time of the reservation of the exact number of days required for reservation deposit refunds. 15. **Chargebacks**. The acceptance by Bank of any Transaction processed in accordance with the terms of this Agreement shall be without recourse to Merchant, except for: (i) Full Recourse Transactions; (ii) as otherwise indicated in this Agreement; and (iii) under any of the following circumstances: 1. No specific prior Authorization for the Transaction was obtained from the Authorization Center, the approval number does not appear in the electronic transmittal that is maintained by Bank, or the Transaction was submitted to the Bank or ISO thirty (30) days or more after the date on which the goods and/or services to which the Transaction relates were purchased or leased by the relevant Cardholder; 2. The Transaction was based on a pre-authorization form, the Card on which the Authorization was based was canceled and Merchant was so notified prior to the Transaction; 3. The Card giving rise to the Transaction was canceled and prior to, or at the time of, the Transaction, and Merchant received notice of the cancellation through the electronic terminal, in writing or otherwise; 4. The Card expired prior to the date of the Transaction or the date of the Transaction was prior to the validation date, if any, indicated on the Card; 5. The Transaction information required by this Agreement was not submitted to Bank, or the procedures required by this Agreement to be followed in connection with processing a Transaction were not followed; 6. Bank or Issuer receives a complaint from or on behalf of a Cardholder stating that there is an unresolved dispute or defense to a charge (whether or not valid) between Merchant and Cardholder; 7. The Cardholder makes a written complaint to Bank or Issuer that the Cardholder did not make or authorize the Transaction; 8. A setoff or counterclaim of any kind exists in favor of any Cardholder against Merchant that may be asserted in defense of an action to enforce payment against the Cardholder in the Transaction; 9. The Transaction was made at or by a merchant other than Merchant; 10. The Transaction otherwise violates the terms of this Agreement or any Applicable Law; 11. A Transaction is charged back by an Issuer; or 12. Any representation or warranty made by Merchant in connection with the Transaction is false or inaccurate in any respect. In any such case, Bank shall not be obligated to accept a Transaction for credit to the Operating Account. If Bank has credited the Operating Account or Reserve Account for such a Transaction, Bank may return the Transaction to the Merchant, and Merchant shall pay Bank the amount of the Transaction. Merchant agrees that it is solely responsible for all Chargebacks, and that Bank, without prior notice to Merchant, may: (i) charge the amount of the Transaction to the Operating Account, Business Account or Reserve Account; (ii) recoup the amount of the Transaction by adjustment of the credits due to Merchant; and/or (iii) set off the amount of the Transaction against any account or property Bank holds for or on behalf of Merchant. If Merchant disagrees with Bank’s decision to charge back a Transaction, Merchant must so notify Bank in writing within 10 days of the Chargeback, and provide documentation that the dispute has been resolved to Cardholder’s satisfaction or proof that a credit has been issued. Without limiting the generality of any other provision of this Agreement, if Bank or ISO, if ISO has indemnified Bank, takes legal action against Merchant for any Chargebacks or any amounts due Bank or ISO hereunder, Merchant shall pay the costs and attorneys’ fees incurred by Bank and/or ISO, whether suit is commenced or not. Bank may limit, suspend, or terminate access to Services, or place holds on settlements or funds prior to such funds being removed from the Operating Account or Business Account, where necessary to address fraud, risk, legal or regulatory requirements, or violations of applicable terms or where required by a payment network, or regulatory authority. 16. **Merchant Statement**. At least once each month, Bank shall provide a statement (the “Merchant Statement”) to Merchant. All information appearing on the Merchant Statement shall be deemed accurate and affirmed by Merchant unless Merchant objects by written notice specifying the particular item in dispute within 30 days of the date of the Merchant Statement. 17. **Retention of Information**. Merchant shall retain the information required to be submitted in connection with a Transaction or to be maintained in connection with a complaint for seven years from the date of the Transaction or the complaint. At the request of Bank, Merchant shall provide such information to Bank or ISO, as directed by Bank, within five (5) days of receipt of a request from Bank. Failure to meet such time frame or non-delivery of any item or delivery of an illegible copy of an item requested by an Issuer shall, among other things, constitute a waiver by Merchant of any claims and may result in an irrevocable Chargeback for the full amount of the Transaction. 18. **Privacy**. Bank and ISO will have access to data associated with Merchant’s use of the Services. Bank and ISO will handle this information in accordance with their privacy policies. 19. **Recovery of Cards**. Merchant will use its best efforts to reasonably and peaceably recover and retain any Card with respect to which Merchant receives notification of cancellation, restrictions, theft or counterfeiting. This notice may be given: (i) electronically through the Equipment; (ii) by the Authorization Center through any means; or (iii) by listing on any canceled Card or restricted Card list. Merchant shall also take reasonable steps to recover a Card that it has reasonable grounds to believe is counterfeit, fraudulent or stolen. 20. **Customer Complaints**. Merchant shall respond promptly to inquiries from Cardholders and shall attempt to resolve any disputes amicably. If unresolved disputes occur with a frequency unacceptable to Bank, Bank may terminate this Agreement. Bank reserves the right to charge Merchant reasonable fees and reimbursement on account of excessive Cardholder inquiries, refunds or Chargebacks. Merchant agrees to maintain the following information in writing with respect to each claim or defense asserted by a Cardholder for which Merchant has received notice: 1. The Cardholder’s name; 2. The Card account number; 3. ) The date and time the Cardholder asserted the claim or defense; 4. The nature of the claim or defense; and 5. The action that Merchant took in an attempt to resolve the dispute. Upon request, Merchant shall furnish Bank with this information in writing within 10 days. 21. **Confidentiality**. Merchant shall treat all information received in connection with this Agreement as confidential. Merchant shall prevent the disclosure of this information except for necessary disclosures to affected Cardholders, to Bank, to ISO and to Issuers. 22. **Compliance with Applicable Law**. 23. General. Merchant represents and warrants that it has obtained all necessary regulatory approvals, certificates and licenses, and that it is in compliance with all Applicable Law, in connection with the operation of its business. Merchant represents and warrants that it understands the importance of complying with Applicable Law in connection with any and all actions it takes in connection with Transactions (including, without limitation, complying with requirements relating to Transaction information, storage and disclosure), and covenants at all times to comply in full with all Applicable Law. Merchant further acknowledges and agrees that it is responsible for the actions of all of its employees while in Merchant’s employ. 2. Data Security Rules. Without limiting the generality of the foregoing or any other provision of this Agreement, Merchant understands that it and all of its employees, agents, representatives and service providers must comply with the Rules, including without limitation, those relating to Cardholder information security issues, non-disclosure of Cardholder information and Transaction documents, retention and storage of Cardholder and Transaction information and other security procedures adopted by the Associations. Merchant hereby confirms its agreement to abide by and fully comply with such Rules, including, without limitation, the Rules and procedures described below: 1. Visa Cardholder Information Security Program and MasterCard Site Data Protection Program. Visa and MasterCard have implemented programs to protect Cardholder data. The Visa Cardholder Information Security Program (“CISP”) and MasterCard Site Data Protection Program (“SDP”) apply to Merchant if Merchant processes or stores Cardholder data as a result of Internet or mail/telephone acceptance of Visa or MasterCard Card account information. A copy of the complete Visa Cardholder Information Security Standards manual and a Self-Assessment Worksheet can be obtained online at www.visa.com/cisp or from Bank, and a copy of the SDP provisions can be obtained from Bank. Visa and MasterCard may impose restrictions, fines, or prohibit Merchant from participating in Visa or MasterCard programs if it is determined that Merchant is non- compliant. Merchant may be required to comply with an audit to verify compliance with security procedures. The following list describes some of the current CISP and SDP program requirements, with all of which Merchant may be required to comply, if applicable to Merchant. (A) install and maintain a working network firewall to protect data accessible via the Internet; (B) keep security patches up-to-date; (C) encrypt stored data; (D) encrypt data sent across networks; (E) use and regularly update anti-virus software; (F) restrict access to data by business “need to know”; (G) assign a unique ID to each person with computer access to data; (H) don’t use vendor-supplied defaults for system passwords and other security parameters; (I) track access to data by unique ID; (J) maintain a policy that addresses information security for employees and contractors; and (K) restrict physical access to Cardholder information. Merchant must also comply with the requirements of Section 10.3 of the Visa Rules in connection with suspected or confirmed losses, thefts, compromises of information, and fraud or laundering associated with information. Please also note that this is not intended to be a complete list, and Merchant remains solely responsible for understanding and complying in full with all of the applicable CISP and SDP requirements. 2. Transaction Information. Merchant acknowledges that the sale or disclosure of databases containing Cardholder account numbers, personal information, or other Transaction information to third parties is strictly prohibited by the Rules. Unless Merchant obtains consents from Bank, and each applicable Association, issuing bank and Cardholder, Merchant must not use, disclose, sell or disseminate any Cardholder information obtained in connection with a Transaction (including without limitation, the names, addresses and Card account numbers of Cardholders, copies of imprinted sales drafts and/or credit records, mailing lists, tapes or other media obtained in connection with a sales draft and/or credit record) except for purposes of authorizing, completing and settling Transactions and resolving any Chargebacks, retrieval requests or similar issues involving Transactions, other than pursuant to a court or governmental agency request, subpoena or order. Merchant shall use proper controls for, limit access to, and render unreadable prior to discarding all records containing Cardholder account numbers and Card imprints. Merchant may not retain or store magnetic stripe data after a Transaction has been authorized. If Merchant stores any electronically captured signature of a Cardholder, Merchant may not reproduce such signature except upon the specific request of Bank. Merchant shall store all media containing Cardholder names, Cardholder account information, and other personal information, as well as Card imprints (such as sales drafts and credit records, auto rental agreements, and carbons) in an area limited to selected personnel and, prior to discarding any such information, destroy it in a manner that renders the data unreadable. Merchant further warrants and agrees that in the event of its failure, including bankruptcy, insolvency, or other suspension of business operations, it will not sell, transfer or disclose any materials that contain Cardholder account numbers, personal information, or Transaction information to third parties, and shall return the information to Bank and provide acceptable proof of destruction to Bank. 23. **Taxes**. Each party hereto shall report its income and pay its own taxes to any applicable jurisdiction. If either Bank or ISO is required to pay any taxes, interests, fines or penalties owed by Merchant, said amount shall become immediately due and payable by Merchant to Bank or ISO. If excise, sale or use taxes are imposed on Transactions, Merchant shall be responsible for the collection and payment thereof. Merchant shall not add any tax to any Transaction unless Applicable Law expressly provides that Merchant is permitted to impose a tax, and any such tax amount, if so allowed, shall be included in the Transaction amount and not collected separately. Bank or ISO shall be entitled to recover from Merchant any of said taxes paid by it on behalf of Merchant immediately after payment. 24. **Limitation of Liability**. In addition to all other limitations on the liability of Bank and ISO contained in this Agreement, neither Bank nor ISO shall be liable to Merchant or Merchant’s customers or any other person for any of the following: 1. Any loss or liability resulting from the denial of credit to any person or Merchant’s retention of any Card or any attempt to do so; 2. Any loss caused by a Transaction downgrade resulting from defective or faulty Equipment, even if such Equipment is owned by Bank or ISO; 3. ) The unavailability of Services caused by the termination of contracts with computer hardware vendors, processors or installers, whether terminated by Bank, ISO or any other person for any reason; or 4. Interruption or termination of any Services caused by any reason except for failure off SO to repair or replace Equipment at Merchant’s expense (in which case, any resulting liability shall be for the sole account of ISO). At no time will ISO’s liability exceed the amount of fees collected or reasonably expected to be collected from Merchant for this delay period. NEITHER BANK NOR ISO SHALL BE LIABLE FOR ANY LOST PROFITS, PUNITIVE, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES TO MERCHANT OR TO ANY THIRD PARTY IN CONNECTION WITH OR ARISING OUT OF THIS AGREEMENT OR ANY OF THE SERVICES TO BE PERFORMED BY BANK OR ISO PURSUANT TO THIS AGREEMENT. MERCHANT ACKNOWLEDGES THAT BANK HAS PROVIDED NO WARRANTIES, EITHER EXPRESS OR IMPLIED, WRITTEN OR ORAL, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO ANY EQUIPMENT AND THAT BANK HAS NO LIABILITY WITH RESPECT TO ANY EQUIPMENT. BANK MAKES NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE SERVICES IT PROVIDES HEREUNDER. IF THERE ARE ERRORS, OMISSIONS, INTERRUPTIONS OR DELAYS RESULTING FROM BANK’S OR ISO’S PERFORMANCE OR ANY FAILURE TO PERFORM, BANK’S AND ISO’S LIABILITY SHALL BE LIMITED TO CORRECTING SUCH ERRORS, IF COMMERCIALLY REASONABLE. 25. **Limitation on Damages**. In no case shall Merchant be entitled to recover damages from ISO or Bank that exceed the fees retained by Bank and ISO pursuant to this Agreement during the six month period immediately prior to the event giving rise to the claim for damages. 26. **Indemnification**. Merchant agrees to indemnify and hold Bank and ISO harmless from any and all losses, claims, damages, liabilities and expenses, including attorneys’ fees and costs (whether or not an attorney is an employee of Bank or Bank’s affiliates, ISO or affiliates of ISO) arising out of any of the following: 1. Merchant’s failure to comply with this Agreement; 2. Any act or omission of Merchant; 3. ) Merchant’s failure to comply with any Equipment’s user’s guide; 4. Merchant’s failure to comply with any Applicable Law; 5. Any dispute concerning the quality, condition or delivery of any merchandise or the quality of performance of any service; 6. The fraud or dishonesty of Merchant or Merchant’s employees, licensees, successors, agents and/or assigns; 7. Merchant’s selection of an Internet service provider or other telecommunication services provider; 8. The theft of or damage or destruction to any Equipment; or 9. Full Recourse Transactions, unauthorized Transactions and prohibited Transactions. 27. **Credit Investigation and Bank Auditing**. Bank may audit, from time to time, Merchant’s compliance with the terms of this Agreement. Merchant shall provide all information requested by Bank to complete Bank’s audit. Merchant authorizes parties contacted by Bank to release the credit information requested by Bank, and Merchant agrees to provide a separate authorization for release of credit information, if requested by Bank. Merchant shall deliver to Bank such information as Bank may reasonably request from time to time, including without limitation, financial statements and information pertaining to Merchant’s financial condition. Such information shall be true, complete and accurate. Without limiting the generality of the foregoing, Merchant shall provide to Bank and ISO its balance sheet and income statements not less frequently than every three calendar months during the term of this Agreement. 28. **Termination of Agreement by Bank and ISO**. Bank may terminate this Agreement upon at least 30 days’ prior written notice to the other parties. In addition, Bank may terminate this Agreement immediately upon written notice to Merchant upon the occurrence of any of the following (each, an “Event of Default”): 1. Any information concerning Merchant obtained by Bank is unsatisfactory to Bank, in Bank’s sole discretion. 2. Any act of fraud or dishonesty is committed by Merchant, its employees or agents, or Bank believes in good faith that Merchant, its employees or agents have committed, are committing or are planning to commit any acts of fraud or misrepresentation. 3. Chargebacks are excessive, in the opinion of Bank. 4. There is a breach of any representation or warranty made by Merchant to Bank, or Merchant defaults in the performance of any of its obligations under this Agreement. 5. A petition under any bankruptcy or insolvency law is filed by or against Merchant. 6. Bank determines that the continuation of this Agreement may create harm or the loss of goodwill to Bank or any Association. 7. Merchant fails to maintain sufficient funds in the Operating Account and the Business Account to cover the amounts due to Bank hereunder. 8. Merchant’s percentage of error Transactions or retrieval requests is excessive in the opinion of Bank. 9. Any insurance policy obtained by Bank, ISO or Merchant relating to Transactions and/or Chargebacks is cancelled or terminated for any reason. 10. Merchant fails to provide financial statements suitable to Bank on request. 11. ISO does not or cannot perform its duties under this Agreement and Bank determines that it is not feasible to provide the Services contemplated by this Agreement to Merchant. Bank is not obligated to provide replacement Services if ISO does not or cannot perform. (l) Any Association requests or demands that this Agreement be terminated. Bank may selectively terminate one or more of Merchant’s approved locations without terminating this entire Agreement. In the event of termination, all obligations of Merchant incurred or existing under this Agreement prior to termination shall survive the termination. Merchant’s obligations with respect to any Transaction shall be deemed incurred and existing on the date of such Transaction. In the event Bank terminates this Agreement following any Event of Default, Merchant: (i) agrees that Bank may place Merchant on each Association’s “Terminated Merchant File” (or any other list or file serving a similar purpose); and (ii) agrees to indemnify and hold Bank and ISO harmless from and against any and all costs, expenses and liabilities incurred by Bank and/or ISO in connection with or arising out of such Event of Default Following any bankruptcy filing against or by Merchant, Bank reserves the right to suspend or discontinue the provision of Services. Merchant must notify Bank in writing no later than five (5) days following any bankruptcy filing by or against Merchant. Credits to the Operating Account and other payments to Merchant are provisional. The parties acknowledge and agree that Bank is extending financial accommodations to Merchant within the meaning of 11 U.S.C.365 (c) (2) of the Bankruptcy Code as amended from time to time. The right of Merchant to receive any amounts due or to become due from Bank is expressly subject and subordinate to the Chargebacks , recoupment, setoff, lien, and/or security interest rights that are being applied to claims that are liquidated, unliquidated, fixed contingent, matured or unmatured. 29. **Termination of Agreement by Merchant**. Merchant may terminate this Agreement upon at least 30 days’ prior written notice to the other parties if Bank amends *Schedule A* pursuant to Section 31 to increase the rates, fees or charges Merchant pays hereunder, except for fees or rates that result from a pass through from an Association. 30. **Setoff**. In addition to any other legal or equitable remedy available to it in accordance with this Agreement or by law, Bank and ISO may set off any amounts due to it against any property of Merchant in its possession or under its control. 31. **Exclusivity**. Merchant shall submit all Transactions made during the term hereof solely to Bank for processing. If Merchant fails to comply with this provision, Merchant agrees to pay Bank, within 10 days of the date of non-compliance, a liquidated damages sum to be determined by computing the projected gross dollar volume of Transactions processed by Bank on behalf of the Merchant for the remainder of the term hereof and multiplying that number by 1%. Merchant and Bank agree that the damages suffered by Bank as a result of such non-compliance would be extremely difficult to calculate with precision. For that reason, the parties hereto agree that the liquidated damages should be computed as set forth above. Any exceptions to this exclusive arrangement must be approved by Bank and ISO in advance in writing. 32. **Amendments to this Agreement**. From time to time Bank may amend this Agreement as follows: 33. Bank may amend or delete Cards or Services listed in *the Fee Schedule* by notifying Merchant in writing of any such amendment. All provisions of this Agreement shall apply to Cards or Services added to this Agreement. Bank shall notify Merchant of the fees to be charged for processing the additional Cards and Services. Acceptance by Merchant of a new approved Card as payment for a Transaction or use of a new Service after Bank has sent Merchant notice of an amendment shall constitute Merchant’s agreement to the amendment and the fees or charges related to these additions. 2. From time to time, Bank may change all rates, fees and charges set forth on *the Fee Schedule*. Bank will provide written notice to Merchant of all such amendments. Bank may change the rates, fees and charges without prior written notice if Merchant’s sales volume or average Transaction amount does not meet Merchant’s projections contained in the Merchant Application form to which this Agreement is attached or if the risk factors associated with processing Transactions increase. If notice is required, Bank will give written notice on the Merchant Statement. All new rates, fees and charges will become effective for the month immediately following the month in which the notice appeared on the Merchant Statement unless Merchant terminates this Agreement in accordance with Section 28. 3. Bank may amend this Agreement in any manner other than as described in Section 32(a) or 32(b) above simply by providing written notice of such amendment to Merchant, and such amendment shall become effective on the latter of: (i) the date on which such written notice is received by Merchant; or (ii) a date specified by Bank in such written notice. 33. **Assignment**. This Agreement may not be assigned by Merchant without the prior written consent of Bank*.* Bank may assign this Agreement without limitation. Assignment of this Agreement by Bank shall relieve Bank of any further obligations under this Agreement. 34. **Financial Accommodations**. Bank, ISO and Merchant intend this Agreement to be construed as a contract to extend financial accommodations for the benefit of Merchant. 35. **Waiver**. To the extent that Merchant becomes a debtor under any chapter of title 11 of the United States Code and such event does not result in the termination of this Agreement, Merchant hereby unconditionally and absolutely waives any right or ability that Merchant may otherwise have had to oppose, defend against or otherwise challenge any motion filed by Bank for relief from the automatic stay of 11 U.S.C. § 362(a) to enforce any of Bank’s rights or claims under this Agreement. 36. **Cooperation**. In their dealings with one another, each party agrees to act reasonably and in good faith and to fully cooperate with each other in order to facilitate and accomplish the transactions contemplated hereby. 37. **Entire Agreement**. This Agreement, together with the Schedules attached hereto, supersedes any other agreement, whether written or oral, that may have been made or entered into by any party (or by any officer or officers of any party) relating to the matters covered herein and constitutes the entire agreement of the parties hereto. 38. **Severability**. If any provisions of this Agreement shall be held, or deemed to be, or shall in fact be, inoperative or unenforceable as applied in any particular situation, such circumstance shall not have the effect of rendering any other provision or provisions herein contained invalid, inoperative or unenforceable to any extent whatsoever. The invalidity of any one or more phrases, sentences, clauses or sections herein contained shall not affect the remaining portions of this Agreement or any part hereof. 39. **Notices**. Except for notices provided by Bank to Merchant on the Merchant Statement, all notices, requests, demands or other instruments which may or are required to be given by any party hereunder shall be in writing and each shall be deemed to have been properly given when: (i) served personally on an officer of the party to whom such notice is to be given, (ii) upon expiration of a period of three (3) business days from and after the date of mailing thereof when mailed postage prepaid by registered or certified mail, requesting return receipt, or (iii) upon delivery by a nationally recognized overnight delivery service, addressed as follows: If to BANK: If to ISO: If to MERCHANT: Address listed on the application to which this Agreement is attached. Any party may change the address to which subsequent notices are to be sent by notice to the others given as aforesaid. 40. **Governing Law**. This Agreement shall be governed and construed in accordance with the laws of the State of New York, without regard to internal principles of conflict of laws, and federal law. 41. **Captions**. Captions in this Agreement are for convenience of reference only and are not to be considered as defining or limiting in any way the scope or intent of the provisions of this Agreement. 42. **No Waiver**. Any delay, waiver or omission by Bank to exercise any right or power arising from any breach or default of the other party in any of the terms, provisions or covenants of this Agreement shall not be construed to be a waiver of any subsequent breach or default of the same or any other terms, provisions or covenants on the part of the other party. All remedies afforded by this Agreement for a breach hereof shall be cumulative. 43. **Force Majeure**. The parties shall be excused from performing any of their respective obligations under this Agreement which are prevented or delayed by any occurrence not within their respective control including but not limited to strikes or other labor matters, destruction of or damage to any building, natural disasters, accidents, riots or any regulation, rule, law, ordinance or order of any federal, state or local government authority. 44. **Cooperation**. Merchant covenants and agrees that, if it is undergoing forensic investigation at the time this Agreement is signed, Merchant will fully cooperate with the investigation until it is completed. 45. **Limited Acceptance**. Visa Rules allow Merchant to become a Limited Acceptance Merchant as part of its use of Bank’s Services. A “Limited Acceptance Merchant,” as defined by Visa, is a merchant that accepts either, but not both, of the following: - Visa Credit and Business Category Cards - Visa Debit Category Cards Merchant has elected to become a Limited Acceptance Merchant by choosing to accept ONLY (please mark the applicable card category below): □ Visa Credit and Business Category Cards □ Visa Debit Category Cards Merchant’s failure to select one of the Limited Acceptance Categories above means that Merchant has elected to accept BOTH Visa Credit and Business Category Cards and Visa Debit Category Cards. If Merchant elects to be a Limited Acceptance Merchant, Merchant must properly display the Visa-approved signage that represents the Limited Acceptance Category that Merchant has selected above. 46. **Special Merchant Categories**. 1. If Merchant is a Health Care Merchant (as defined by the Visa Core Rules and Visa Product and Service Rules (the “Visa Core Rules”)), Merchant acknowledges that it must comply with the provisions of Section 5.9.12 of the Visa Core Rules. 2. If Merchant is a T&E Merchant (as defined by the Visa Core Rules), Merchant acknowledges that it must comply with all of the provisions of the Visa Core Rules relating to T&E Merchants, including Sections 5.9.6, 5.10.4.1, 7.3.12, and 11.1.3.2. Merchant further agrees that, if it is an International Airline Program Merchant (as defined by the Visa Core Rules), the terms of the attached International Airline Program Merchant Addendum apply. 3. If Merchant receives BIN information from Bank, Merchant agrees that: (i) such information may be used solely for purposes of identifying Visa card product types at the point of sale; (ii) Merchant may not, and will not, disclose such information to any third party; and (iii) Merchant will treat such information as proprietary and confidential information belonging to Visa and with the same degree and case as information labeled “Visa Confidential.” 4. If Merchant is an Electronic Commerce Merchant (as defined by the Visa Core Rules and Visa Product and Service Rules (2014)—the “VCR”), the following terms apply (references following each requirement indicate whether the requirement is located in the VCR or the Visa Acquirer Risk Program Standards Guide (2010) (VPSG); capitalized terms that are not otherwise defined in this Agreement are used as defined in the VCR): (B) All items of an order cannot be shipped at the same time. (VCR Section 10.15.3.2) 5. If Merchant limits its acceptance of returned merchandise or is an Electronic Commerce Merchant, Merchant must ensure that its return policies are clearly indicated to a Cardholder on the Transaction Receipt or on Merchant’s website, as follows (VCR Section 5.4.2.4): 1. Merchant must display its consumer data privacy policy on its website. (VPSG) 2. Merchant must display the security method it uses for the transmission of payment data on its website. (VPSG) 3. Merchant must offer Cardholders a secure transaction method and a data protection method, such as Secure Sockets Layer (SSL), 3-D Secure and/or Verified by Visa. (VPSG; VCR Section 1.5.6.2) 4. For Non-Secure Transactions and Non-Authenticated Security Transactions, Merchant must attempt to obtain a Visa Card expiration date and submit it as part of the Authorization Request. (VCR Section 5.8.4.1) 5. Merchant’s website must contain all of the following: 1. Customer service contact, including email address or telephone number. 2. The address, including the country, of Merchant’s permanent establishment, either: 3. On the same screen view as the checkout screen used to present the final Transaction amount; or 2. Within the sequence of web pages the Cardholder accesses during the checkout process. 3. Policy for delivery of multiple shipments. 4. Security capabilities and policy for transmission of payment card details. 5. In addition, on an Online Gambling Merchant’s homepage or payment page, all of the following: 6. The statement “Internet gambling may be illegal in the jurisdiction in which you are located; if so, you are not authorized to use your payment card to complete this transaction”; 2. A statement of the Cardholder’s responsibility to know the laws concerning online gambling in the Cardholder’s country; 3. A statement prohibiting the participation of minors; (4) A complete description of the rules of play, cancellation policies, and pay-out policies; 5. A statement recommending that the Cardholder retain a copy of Transaction records and Merchant policies and rules; and 6. An Acquirer numeric identifier specified by Visa. (VCR Section 5.9.3.1) 6. Merchant must not display the full Account Number to the Cardholder online. (VCR Section 5.9.3.2) 7. If Merchant is a Verified by Visa Merchant, Merchant acknowledges that its Electronic Commerce Transactions are not eligible for Chargeback protection from Chargeback reason codes 75 (Transaction Not Recognized) and 83 (Fraud-Card-Absent Environment) if either: (A) The Merchant is classified with one of the following MCCs: 1. MCC 4829 (Wire Transfer Money Orders); 2. MCC 5967 (Direct Marketing – Inbound Teleservices Merchant); 3. MCC 6051 (Non-Financial Institutions – Foreign Currency, Money Orders \[not Wire Transfer\], Travelers’ Cheques); or 4. MCC 7995 (Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, and Wagers at Race Tracks); or (B) Merchant has been identified in the Merchant Chargeback Monitoring Program or Risk Identification Service Online. Merchant remains ineligible while it is in either program, and for an additional 4 months after exiting the program. This condition also applies if Merchant enabled Verified by Visa while identified in either program. (VCR Sectio n 5.9.3.5) 8. Merchant must include the following in its transaction receipts: 1. Customer service contact; 2. Merchant country; and 3. Conditions of sale, including return and cancellation policy. (VCR Section 5.10.3.3) 9. In an Authorization Request, Merchant must not transmit Authentication Data specific to one Transaction with another Transaction, except when either: (A) 2 Transactions are related due to delayed delivery; or **Location** **Required Disclosure** **To be used for the following Merchant Policies** Transaction Receipt (all copies, near the Cardholder signature area or in an area easily seen by the Cardholder) “No Refund” “No Exchanges” “All Sales Final” Merchant does not: ● Accept merchandise as a return or exchange ● Issue a refund to aCardholder “Exchange Only” Merchant accepts merchandise in exchange for merchandise of equal value to the original Transaction amount “In-Store Credit Only” Merchant accepts merchandise in exchange for an in-store credit document that both: ● Equals the value of the returned merchandise ● Must be used at theMerchant location Website (on checkout screen or in sequence of web pages before final checkout) “Click to accept” or other acknowledgement button or checkbox All return/refund policies and other purchase terms and conditions **47. Participation in the American Express OptBlue® Program** By checking the “Accept” checkbox next to AMERICAN EXPRESS OptBlue® on \[the application\], Merchant has elected to participate in the American Express OptBlue program (“American Express Card Acceptance”). Any defined term in this Section 47 that is not defined elsewhere in this Agreement shall be given the definition assigned by American Express. In the event of any conflict between any defined term in this Agreement and any defined term by American Express, the definition provided by American Express shall control. The following terms and conditions apply to Merchant’s participation in American Express Card Acceptance. If Merchant elects American Express Card Acceptance and does opt out of the application of this Section 47, the application of Section 46 and this Section 47 will be deemed to be cumulative and not in the alternative. 1. The definition of “Association(s)” is changed to read as follows: “Association(s)” means VISA U.S.A., Inc. (“Visa”), MasterCard International Incorporated (“MasterCard”), Discover Financial Services LLC (“Discover”) and American Express Travel Related Services Company, Inc. (“American Express”). 2. The definition of “Card(s)” is changed to read as follows: “Card(s)” means either a Visa, MasterCard, Discover or American Express credit card, debit card (or other similar card that requires a PIN for identification purposes), or pre-paid, stored-value or gift card. 3. The definition of “Issuer” is changed to read as follows: “Issuer” means American Express or a member of an Association that enters into a contractual relationship with a Cardholder for the issuance of one or more Cards 4. Merchant authorizes Bank and/or its affiliates to submit American Express Transactions to, and receive settlement on such Transactions from, American Express on behalf of Merchant. 5. Merchant agrees that Bank may collect and disclose Transaction Data, Merchant Data, and other information about Merchant to American Express, and that American Express may use such information: (i) to perform its responsibilities in connection with American Express Card Acceptance; (ii) to promote the American Express Network; (iii) to perform analytics and create reports; and (iv) for any other lawful business purposes, including commercial marketing communications purposes within the parameters of American Express Card Acceptance, and important transactional or relationship communications from American Express. American Express may use the information obtained in the Merchant application at the time of setup to screen and/or monitor Merchant in connection with American Express marketing and administrative purposes. 6. **Merchant may opt-out of receiving future commercial marketing communications from American Express by contacting ISO; however, Merchant may continue to receive marketing communications while American Express updates its records to reflect this choice. Opting out of commercial marketing communications will not** **preclude Merchant from receiving important transactional or relationship messages from American Express.** 7. Merchant acknowledges that it may be converted from American Express Card Acceptance to a direct relationship with American Express if and when its American Express-related Transaction volumes exceed the eligibility thresholds for American Express Card Acceptance, (i.e., Merchant becomes a High CV Merchant). If this occurs, upon such conversion: (i) Merchant will be bound by American Express’s then-current Card Acceptance Agreement; and (ii) American Express will set pricing and other fees payable by Merchant. 8. Merchant will not assign to any third party any payments due to it under American Express Card Acceptance, and all indebtedness arising from Charges will be for bona fide sales of goods and services (or both) at its Establishments and free of liens, claims, and encumbrances other than ordinary sales taxes; provided, however, that Merchant may sell and assign future American Express-related Transaction receivables to Bank, its affiliated entities and/or any other cash advance funding source that partners with Bank or its affiliated entities, without consent of American Express. Notwithstanding the foregoing, Bank prohibits Merchant from selling or assigning future American Express-related Transaction receivables to any third party. 9. Notwithstanding anything in this Agreement to the contrary, American Express shall have third-party beneficiary rights, but not obligations, to the terms of this Agreement applicable to American Express Card Acceptance to enforce such terms against Merchant. 10. By contacting Bank or ISO, Merchant may opt out of accepting American Express Cards at any time without directly or indirectly affecting its rights to accept Other Payment Products. 11. Bank and ISO have the right to terminate Merchant’s participation in American Express Card Acceptance immediately: (i) if Merchant breaches any of the provisions of this Section 47 or any other terms of this Agreement applicable to American Express Card Acceptance; (ii) if Merchant breaches any provision of the American Express Merchant Operating Guide; or (iii) for cause or fraudulent or other activity, or upon American Express’s request. In the event Merchant’s participation in American Express Card Acceptance or this Agreement is terminated for any reason, Merchant must immediately cease all use of and remove all American Express Licensed Marks from Merchant’s website and wherever else they are displayed. 12. Merchant’s refund policies for purchases on the American Express Cards must be at least as favorable as its refund policy for purchases with any Other Payment Products, and the refund policy must be disclosed to Cardmembers at the time of purchase and in compliance with Applicable 13. Merchant will comply in full with American Express’s Merchant Operating Guide (as the same may be amended from time to time and is incorporated herein by reference) (the “MOG”): https://icm.aexp-static.com/content/dam/gms/en\_us/optblue/us-mog.pdf.) (the “MOG”). For the sake of clarity, the term “Rules” specifically includes the MOG. 14. A copy of the American Express Data Security Requirements can be obtained online at www.americanexpress.com/dsr. Merchant will abide by and fully comply with all Applicable Laws, rules and regulations relating to the conduct of Merchant’s business. Merchant agrees to comply with the American Express Data Security Requirements (DSR) and Payment Card Industry Data Security Standard (PCI DSS). Merchant must report all instances of a Data Incident immediately to Bank and ISO after discovery of the incident. Merchant must ensure data quality and that Transaction Data and customer information is processed promptly, accurately and completely, and complies with American Express Technical Specifications. Merchant is responsible for being aware of and adhering to privacy and data protection laws and provide specific and adequate disclosures to Cardmembers of collection, use, and processing of personal data. **48. Participation in PayPal In-Store Checkout** Unless Merchant otherwise specifically indicates to Bank that Merchant does not wish to accept any *PayPal Payment Method* as a method of payment for goods services at Merchant’s point(s) of sale, the following terms and provisions will apply. Merchant will comply in full, at all times, will all relevant provisions of the Program Documents, a copy of which Merchant acknowledges and agrees it has received and reviewed. Capitalized and italicized terms used in this Section 48 that are not otherwise defined are used as defined in the PayPal Operating Regulations, provided or approved by PayPal in writing pursuant to the process set forth in the PayPal Operating Regulations. Merchant shall not use the PayPal Marks in such a way that *PayPal Account Holders* could believe that the products or services offered by Merchant are sponsored or guaranteed by the owners of the PayPal Marks. Merchant recognizes that it has no ownership rights in the PayPal Marks. Merchant shall not assign to any third party any of the rights to use the PayPal Marks. Merchant is prohibited from using the PayPal Marks, not permitted above, unless expressly authorized in writing by PayPal. (a) Merchant acknowledges and agrees that all of its actions associated with the acceptance by Merchant of a *PayPal Method* as the method of payment for goods or services at a point of sale, and in connection with processing any sale, credit, chargeback, representment, reversal or correction or settlement activity associated with any such transaction is subject to the terms and conditions of the *Program Documents*, as that term is defined in the PayPal Operating Regulations for In-Store Checkout (as the same may be amended or replaced from time to time, the “PayPal Operating Regulations”). 2. The definition of “Card(s)”, as used throughout this Agreement, is changed to read as follows: “Card(s)” means any of the following: (i) a Visa, MasterCard or Discover credit card, debit card (or other similar card that requires a PIN for identification purposes), or pre-paid, stored-value or gift card; and (ii) any *PayPal Payment Method*. 3. The definition of “Issuer”, as used throughout this Agreement, is changed to read as follows: “Issuer” means a member of an Association that enters into a contractual relationship with a Cardholder for the issuance of one or more Cards and PayPal, Inc. (“PayPal”), in connection with any *PayPal Payment Method*. 4. Merchant will comply in full with the *Program Documents* in connection with all of its activities associated with *PayPal Acceptance* and associated *Transaction* processing and *Settlement* of *Transactions*. 5. Merchant acknowledges and agrees that Acquirer may disclose *Transaction Data* and Merchant information to PayPal, regulatory authorities and other entities to which PayPal is required to provide such information for the purposes deemed necessary and related to performing *Transactions* or to comply with *Applicable Law*, including, by way of example and without limitation: 1. Detailed information about the *Transactions* conducted by Merchant, including *Transaction Data* required by the *Program Documents*, to be delivered to PayPal in connection with *Authorization Requests*, *Transaction Data*, and *Dispute* responses; 2. Merchant information and detail about the transactions accepted by Merchant, including the Merchant Category Code assigned by Bank to Merchant; 3. Collective and detailed information about Merchant’s *Transactions*, *Disputes* and other information reasonably required by PayPal during any investigation of Merchant; 4. Information regarding the aggregate number, type, and kind of *Transactions* accepted by Merchant, in the *Authorized Jurisdiction*; and 5. Business and registration information provided by Merchant and/or its principals in connection with any application submitted by Merchant to Bank. (f) Merchant acknowledges and agrees that each of the following is strictly and expressly prohibited: 1. Any use, storage, or disclosure by Merchant of PayPal*’s* confidential information, any *PayPal Account Holder Data* or *Transaction Data,* other than as necessary to complete a Transaction. 2. The retention or storage of *PayPal Account Numbers*, *Track Data* or *Transaction Data*. 3. Any use of any *PayPal Account Holder’s* personal information for marketing and/or other purposes without explicit consent from the *PayPal Account Holder*. (g) Bank may terminate Merchant’s *PayPal Acceptance* and/or this Agreement for any of the reasons set forth in the PayPal Operating Regulations or for any violation by Merchant of the terms that Bank is required to enforce against Merchant in the PayPal Operating Regulations. PayPal may directly contact Merchant if Merchant is terminated by Bank for any reason, including investigating compliance by Merchant with the *Security Requirements* set forth in Section 13 of the PayPal Operating Regulations. (h) “PayPal Marks” mean the brands, emblems, trademarks, and/or logos that identify *PayPal Acceptance*. The PayPal Marks are described in Appendix A of the PayPal Operating Regulations. Merchant may use the PayPal Marks only to promote PayPal products, offers, services, processing and/or acceptance. Merchant use of the PayPal Marks is restricted to the display of decals, signage, advertising, and marketing materials **49. Managed Settlement, Instant Payout, and Lending Services.** ISO may offer certain additional features powered by a third party service provider, who is currently Jaris, Inc., but is subject to change by ISO upon prior written notice to Merchant (in each case, the “Settlements Provider”). Such features include, **without limitation**, managed settlements, business financing applications and servicing, instant payout or accelerated settlement features, and risk monitoring (collectively, the “Additional Services”). If Merchant elects to receive any Additional Services from or through ISO or the Settlements Provider: (i) an account will be established on Merchant’s behalf with a separate financial institution designated by ISO (the “Bank Partner”), which is currently the First Internet Bank of Indiana, but is subject to change by agreement of ISO and Bank upon prior written notice to Merchant; (ii) the account so established with the Bank Partner, which may or may not be a direct deposit account, will become the “Operating Account” for purposes of this Agreement; (iii) the terms of this Section 49 will become effective; (iv) relative to the provision and receipt of the Additional Services, to the extent there is direct conflict between the terms of this Section 49 and any other provision of this Agreement, the terms of this Section 49 will apply, but the terms of this Section 49 will not otherwise restrict or limit any right or remedy of Bank, or any liability or obligation of Merchant or ISO, under this Agreement. Merchant must hold its Operating Account with Bank Partner in order to utilize or receive the Additional Services set forth in this Section 49. (a) As part of the Additional Services, certain loan services may be provided by Settlements Provider’s licensed affiliates. When Merchant accesses these features, Merchant will be required to review and accept the applicable third party service provider’s terms of service and privacy policy, to which ISO will provide a link. (b) Any lending services provided as part of the Additional Services are originated with Bank Partner and are subject to a separate agreement between Merchant and Bank Partner. A third party service provider, currently an affiliate of Settlements Provider, Jaris Lending, LLC (NMLS ID: 2281431), but subject to change upon prior written notice to Merchant, will broker and service such loans, subject to credit approval. (c) The “Instant Payout” Service provided as part of the Additional Services is an accelerated settlement feature that provides earlier access to settlement proceeds. Instant Payout is not a loan, does not create a debt obligation, and does not involve credit underwriting. (d) If Merchant obtains a loan through the Additional Services or utilizes the Instant Payment Service, Merchant will accept a separate set of terms and privacy policy from Settlements Provider. Merchant will also authorize ISO, Bank Partner and Settlements Provider to (i) deduct from the Operating Account loan payments, in the case of any loans, and instant payout amounts in the case of the Instant Payout Service, (ii) to initiate ACH debits from the Operating Account or other linked bank accounts as authorized in the loan agreement or otherwise required if Operating Account-based recoupments are insufficient, and (iii) share payment and account status information as necessary for providing such Additional Services. (e) Merchant authorizes the Bank Partner, ISO, and the Settlements Provider to receive, hold, route, and disburse Operating Account funds on Merchant’s behalf and to apply amounts owed against Operating Account funds before disbursement, subject to applicable agreements and law. To provide Additional Services, Bank, ISO, and Settlements Provider may monitor and analyze payment processing activity, settlement flows, and Operating Account activity on an ongoing basis for fraud prevention, risk management, compliance, servicing, and service improvement purposes. This authorization continues for as long as Merchant uses the Additional Services and, where applicable, after termination to the extent necessary to complete servicing, payment reconciliation, or regulatory obligations. (f) Merchant authorizes ISO, acting through Settlements Provider, to debit from the Operating Account through the ACH Banking Network all amounts Merchant owes ISO, Settlements Provider, or Bank Partner hereunder, or pursuant to any other agreement entered into between Merchant and ISO, Settlements Provider, or Bank Partner. Merchant waives any and all claims for loss or damage arising out of any such charges or debits to the Operating Account. (g) ISO or Settlements Provider may limit, suspend, or terminate Merchant’s access to the Additional Services, or place holds relative to Merchant on Operating Account funds, where necessary to address fraud, risk, legal or regulatory requirements, or violations of applicable terms or where required by Bank, Bank Partner, a payment network, or any regulatory authority. (h) Bank Partner, ISO, and Settlements Provider will have access to data associated with the Operating Account and Merchant’s use of the Additional Services. Bank Partner, ISO, and Settlements Provider will handle this information in accordance with their privacy policies. In addition, Settlements Provider may collect and process information about Merchant’s business, payment processing activity, settlement flows, linked bank accounts, and transaction history in order to provide the Additional Services pursuant to Settlements Provider’s agreements with ISO and, where applicable, directly with Merchant. For Additional Services relevant to Bank Partner, Settlements Provider processes information on behalf of Bank Partner in accordance with the Bank Partner’s privacy notice and applicable law. (i) Merchant agrees that ISO, by instructing Settlements Provider, will, and authorizes ISO to, deduct Merchant Discount Fees from the Operating Account, to the extent not already so deducted pursuant to the terms of Section 7 of this Agreement. (j) Merchant hereby releases Bank from, and agrees to indemnify and hold Bank harmless from and against, any claim, loss, harm, cost, expense, wrongdoing, liability, fee or penalty associated with or arising out of the provision or Merchant’s receipt of the Additional Services or any action taken or failed to have been taken by ISO, Settlements Provider or Bank Partner directly or indirectly related to the Additional Services. (k) Following the receipt of settled funds in the Operating Account, Settlements Provider will apply any agreed deductions for Additional Services in accordance with its agreement with Merchant. Settlements Provider will subsequently initiate a transfer of the remaining net amount from the Operating Account to the Business Account. The timing and mechanics of such transfers may be modified from time to time by Settlements Provider upon notice to Merchant, subject to any holds or adjustments permitted under this Agreement. --- ### [Blog](https://stg-flute-staging.kinsta.cloud/blog/) **Published:** April 23, 2026 **Author:** Nerraj Thakur **Content:** Resources ### Tools and guides to support your work [ ![What We’ve Been Building Toward: Meet Flute](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/AdobeStock_325997922-436x300.jpeg) ](https://stg-flute-staging.kinsta.cloud/blog/what-weve-been-building-toward-meet-flute/) Customer experience Flexible payments [ What We’ve Been Building Toward: Meet Flute ](https://stg-flute-staging.kinsta.cloud/blog/what-weve-been-building-toward-meet-flute/) [ ![Derek Dean](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Derek-Dean.webp) Derek Dean ](https://stg-flute-staging.kinsta.cloud/blog/profile/derek-dean/) [ Read more ](https://stg-flute-staging.kinsta.cloud/blog/what-weve-been-building-toward-meet-flute/) [ ![Working Capital Loans: What They Are and How They Work](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/AdobeStock_499971827-436x300.jpeg) ](https://stg-flute-staging.kinsta.cloud/blog/working-capital-loans-what-they-are-and-how-they-work/) Business growth Working capital [ Working Capital Loans: What They Are and How They Work ](https://stg-flute-staging.kinsta.cloud/blog/working-capital-loans-what-they-are-and-how-they-work/) [ ![Paul Meter](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Paul-headshot.jpeg) Paul Meter ](https://stg-flute-staging.kinsta.cloud/blog/profile/paul-meter/) [ Read more ](https://stg-flute-staging.kinsta.cloud/blog/working-capital-loans-what-they-are-and-how-they-work/) [ ![Get Paid Faster: A Guide to Instant Payouts](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/AdobeStock_1394757992-1-436x300.jpeg) ](https://stg-flute-staging.kinsta.cloud/blog/get-paid-faster-a-guide-to-instant-payouts/) Business growth Faster payouts [ Get Paid Faster: A Guide to Instant Payouts ](https://stg-flute-staging.kinsta.cloud/blog/get-paid-faster-a-guide-to-instant-payouts/) [ ![Paul Meter](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/Paul-headshot.jpeg) Paul Meter ](https://stg-flute-staging.kinsta.cloud/blog/profile/paul-meter/) [ Read more ](https://stg-flute-staging.kinsta.cloud/blog/get-paid-faster-a-guide-to-instant-payouts/) --- ### [Equipment Terms and Conditions](https://stg-flute-staging.kinsta.cloud/equipment-terms-and-conditions/) **Published:** May 28, 2026 **Author:** Nerraj Thakur **Content:** **TITLE; PERMITTED USE** During the term of the rental agreement or any arrangement between the parties that does not result in merchant purchasing the equipment that is provided by Flute to merchant, the equipment shall at all times remain the sole and exclusive property of Flute. Merchant shall not allow any liens, security interests, or encumbrances of any kind or nature whatsoever to attach to the equipment. Merchant agrees to use the equipment solely in accordance with the terms of the rental agreement (as applicable) and/or the terms of any other agreement by and between merchant and Flute that is associated with the equipment or services provided to merchant by Flute with respect to such equipment. Both Parties hereby agree to execute and deliver any further instruments as may be necessary to affect the terms and conditions of any agreement by and between the Parties. **USE; CONDITION; DAMAGE** Merchant shall use, operate, protect and maintain the equipment in good operating order, repair, condition and appearance, and in compliance with all applicable laws, rules, or regulations that are related to any provision of services by and between merchant and Flute that is associated with the equipment or services provided to merchant by Flute, and manufacturer’s recommended procedures. Merchant assumes all risk of, and shall promptly notify Flute upon the discovery of, any damage to or loss, theft, confiscation, or destruction of any rental equipment due from any cause whatsoever. **DISCLAIMER** OTHER THAN AS EXPRESSLY SET FORTH HEREIN, THE EQUIPMENT PROVIDED BY FLUTE IS PROVIDED “AS IS” AND FLUTE DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT THERETO, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, CONFORMANCE WITH DESCRIPTION, TITLE AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. EACH OF THE PARTIES ACKNOWLEDGE AND EXPRESSLY AGREE THAT NEITHER THE PROVISION OF SERVICES NOR ANY OF THE TERMS AND CONDITIONS OF THE AGREEMENT(S) ARE INTENDED TO BE CONSTRUED AS ASSURING EITHER PARTY’S COMPLIANCE WITH ANY APPLICABLE LAWS, RULES, OR REGULATIONS RELATED TO THE PROVISIONS OF SERVICES IN THIS SECTION. EXCEPT AS OTHERWISE EXPRESSLY PROVIDED HEREIN, neither Party nor its agents shall be liable for special, indirect, incidental, punitive or consequential damages of any kind (including, without limitation, damages for loss of business profits, business interruption, loss of goodwill, or any other pecuniary loss) arising out of the use or inability to use the equipment provided by Flute, even if the other Party had prior knowledge of the possibility of same. Flute does not warrant that the operation of the equipment will be uninterrupted and hereby disclaims all liability on account thereof. It is agreed that in no event will Flute be liable for any billing error and related damages, caused by Flute’s performance or failure to perform hereunder, which is not reported in writing to Flute within ninety (90) days of the date of the invoice or applicable statement. **EQUIPMENT** At the time that an Equipment order is placed the “Total Price” does not include handling. The final invoice may include certain additional fees related to shipping, handling, provisioning, managing and configuring equipment. This will include a processing fee up to 10% of the total invoice. Equipment purchased and paid for in full is not required to be returned to Flute. Equipment that has been purchased, has not shipped and payment is pending will be cancelled at no cost. In the event that merchant selects to rent equipment from Flute, the Parties acknowledge and agree that merchant shall be charged a fee in the event that the merchant cancels the rental agreement within the first twelve (12) months of the date of the signature below (“Restocking Fee”). **Equipment Restocking Fee** 1. Shall be applied to all returns up to 50% of the cost of equipment. 2. Equipment that is provided by Flute to merchant shall be returned to Flute within no less than sixty (60) days immediately following the termination of the merchant’s processing agreement with Flute, equipment must be shipped via a trackable service and the tracking number provided to Flute within 1 business day of equipment being shipped. 3. If the merchant fails to return all the equipment to Flute within no less than sixty 60 days immediately following the termination of the merchant’s processing agreement with Flute, then the merchant shall be charged the full cost of the equipment. 4. The signer is responsible for all other equipment charges such as returns, call tags, clover swaps and reject fees. 5. If Flute is unable to collect payment via method provided, we have the right to pull from DDA provided on merchant agreement and/or agent residual. 6. The agent is responsible for all merchant orders. If we cannot collect from your merchant, we will bill the agent. **Returns Fee Processing:** 1. Original order will be billed. 2. Flute will submit a credit if/when equipment is returned and/or we receive vendor credit. Flute shall have the right to offset amounts owed by merchant to Flute under the terms of this agreement and the terms of any other agreement by and between merchant and Flute that is associated with the equipment or services provided to merchant by Flute. Notwithstanding the foregoing, the rental agreement may be terminated at any time by Flute, and in such an event, merchant shall not be charged with a Restocking Fee. Rental equipment may be new, refurbished, or remanufactured and is dependent on inventory available at time of order, and used equipment is inspected and refurbished prior to deployment. --- ### [Privacy Policy](https://stg-flute-staging.kinsta.cloud/privacy-policy/) **Published:** May 28, 2026 **Author:** Nerraj Thakur **Content:** At Flute, we respect your privacy. Please read this Privacy Policy carefully to learn how we collect, use, share, and otherwise process the personal information we receive when conducting our business (“**Personal Information**”), and to learn about your rights and choices regarding your Personal Information. This Privacy Policy applies to Flute Commerce LLC (“**Flute**,” “**we**,” “**our**,” “**us**”) and explains how we collect, use, and share the Personal Information that we gather on the subdomains and websites on flute.com and risewithaurora.com (our “**Sites**”) and through our technology and services to facilitate purchases, accept payments, send payouts, and help individuals manage their businesses (our “**Services**”). A reference to “Flute,” “we,” “us,” or “our” is a reference to Flute Commerce LLC and its relevant affiliates involved in the collection, use, sharing, or other processing of Personal Information. Please click the following links to learn more about our Privacy Policy: 1. Whose Personal Information We Collect 2. Information We Collect 3. How We Use Your Information 4. How We Share Your Information 5. International Transfers of Data 6. Children’s Privacy 7. Change of Control 8. Data Security and Retention 9. Policy Updates 10. Contact Information # **1. Whose Personal Information We Collect** We obtain Personal Information from various entities. These entities are defined below by what they are referred to in this Privacy Policy and when information is collected. Entities may overlap and are not exclusive categories. - **Website Visitors and/or Prospective Business Customers:** When you visit our Sites or contact us for information before becoming a Business Customer. - **Business Customer(s):** When a representative from your business contacts us or engages in a demonstration or paid version of our Services. - **End Users:** When we collect and process information from individuals on behalf of a Business Customer. This Privacy Policy does not apply to the extent we act as a processor or service provider to process the Personal Information of End Users on behalf of Business Customers to provide our Services. In those instances, we process the Personal Information of End Users pursuant to a written agreement with the relevant Business Customer, and if End Users have questions or concerns about how their Personal Information is being handled by Business Customers, End Users should contact the relevant Business Customer. We are not responsible for the privacy or data security practices of our Business Customers. **Third Party Links and Websites.** Our Services and Sites may contain links to and from the websites or services of third parties. If you follow a link to any of these third-party websites or services, please note that these third-party websites or services have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any data to these websites. # **2. Information We Collect** Our collection of Personal Information differs based on whether you are a Business Customer, Website Visitor, or Prospective Business Customer. For example, if you are a Business Customer, we may collect certain Personal Information to onboard your business for our Services. Similarly, if you are a Website Visitor or Prospective Business Customer, we will collect certain Personal Information depending on how you interact with our Sites or contact us directly for information about our Services. ## **2.1 Website Visitors and Prospective Business Customers** **Information You Give Us.** You may give us information by providing information through online forms on our Sites or contacting us for information about our Services. **Information We Automatically Collect.** Like many website operators, we collect information that your browser or device sends whenever you visit our Sites. This can include log data, such as your computer’s IP address, browser type, browser version, the parts of our Sites that you visit or use, the time and date, the time spent on the Sites, and other statistics. This information may be collected via several technologies, including cookies, web beacons, clear GIFs, canvas fingerprinting and other means. **Information We Collect From Third Parties.** If you access our Sites through third parties (e.g., Facebook or Google), or if you share content from our Sites to a third-party service, the third-party service may send us certain information about you if the third-party service and your account settings allow such sharing. The information we receive will depend on the policies and your account settings with the third-party service. ## **2.2 Business Customers** **Information You Give Us.** When you register for a Services account, we will collect Personal Information to facilitate the creation and management of that account. This includes contact information, such as name, address, telephone number, email address, and other Personal Information to enable us to contact you. **Information We Automatically Collect.** Like many online service providers, we collect information that your browser or device sends when you access or otherwise use our Services. This can include log data, such as IP address, browser type, browser version, and statistics regarding the use of our Services. **Transaction Data.** In providing our Services to Business Customers, we will collect certain transaction data to facilitate our Services. This may include an End User’s name, email address, contact number, billing and shipping address, payment method information (like credit or debit card number, bank or payment method account details, etc.), the relevant Business Customer, amount and date of purchase, information about payment status, and in some instances, information about what was purchased, order fulfillment status, subscription status, applicable tax amounts, refund or chargeback information, and support interactions (collectively, “**Transaction Data**”). Business Customers are responsible for ensuring that the privacy rights of their End Users are respected, including obtaining appropriate consents and making disclosures about the Personal Information collection and use associated with our Services on behalf of the Business Customer. If you are an End User, please refer to the privacy policy of the relevant Business Customer you are doing business with for its privacy practices, choices, and controls. # **3. How We Use Your Information** Our use of Personal Information differs based on whether you are a Business Customer, a Website Visitor, or a Prospective Business Customer. For example, if you are a Business Customer, we may use certain Personal Information to verify End User information and fulfill transactions on your behalf. At the same time, if you are a Website Visitor or Prospective Business Customer, we may use certain Personal Information to provide you with advertising and marketing regarding our Services. ## **3.1 Website Visitors or Prospective Business Customers** We use your Personal Information for the following purposes: - To provide you with our Sites, which includes providing you with customer service and advertising or marketing services. - To provide analytic services, such as analyzing customer usage and improving services offered. - To conduct market research and project planning. - To detect security incidents, protect against fraudulent or other criminal activity, debug and repair errors, and maintain the overall quality and safety of our Sites. - To share your Website Visitor activity, through website cookies, with third-party marketing partners to market our Services on our Sites and other websites that you may visit. - To fulfill our legal and financial obligations. - To provide you with employment opportunities. **Marketing.** We may use your Personal Information to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe instructions provided in any email we send, or you can contact us using the contact details provided in the “Contact Information” section below. You will still continue to receive service-related messages concerning products and services you have purchased, unless we have indicated otherwise. ## **3.2 Business Customers** We use your Personal Information for the following purposes: - To provide you with the Services, which includes maintaining and servicing accounts, providing customer service, processing and fulfilling orders and transactions, verifying End User information, and processing payments. - To provide analytic services, such as analyzing customer usage and improving our Services. - To conduct market research and project planning. - To detect security incidents, protect against fraudulent or other criminal activity, debug and repair errors, and maintain the overall quality and safety of our Services. - To fulfill our legal and financial obligations. **Marketing.** We may use your Personal Information to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe instructions provided in any email we send, or you can contact us using the contact details provided in the “Contact Information” section below. You will still continue to receive service-related messages concerning products and services you have purchased (unless we have indicated otherwise). **Transaction Data.** We may use Personal Information, including the Personal Information of End Users, to detect fraud and prevent financial losses for Business Customers, End Users, and ourselves. In addition, please see Section 4.2 below for how Jaris uses Personal Information that we share with Jaris in order for you to utilize Jaris-powered features. # **4. How We Share Your Information** Our disclosures of Personal Information differ based on whether you are a Business Customer, a Website Visitor, or a Prospective Business Customer. For example, if you are a Business Customer, we will disclose certain Personal Information to our subcontractors to provide our Services. Alternatively, if you are a Website Visitor or Prospective Business Customer, we may use cookies to disclose certain Personal Information to analyze the use of our Sites. ## **4.1 Website Visitors or Prospective Business Customers** **Affiliates, Subcontractors, and Service Providers.** We share Personal Information with our third-party service providers, affiliates, and any subcontractors as required to offer you our Sites. 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We may also use targeted advertising cookies, such as Google Ads, to deliver tailored advertising on our Sites and other websites that you may visit. 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Please note that electing to opt-out will not stop advertising from appearing in your browser or applications and may make the ads you see less relevant to your interests. **Third Party Direct Marketing.** California Civil Code Section 1798.83 may permit you to request information regarding the disclosure of your Personal Information to third parties for the third parties’ direct marketing purposes. **Aggregated or De-identified Data.** We may also aggregate or otherwise strip Personal Information of all personally identifying characteristics and may share that aggregated or de-identified data with third parties or publish it. We reserve the right to make use of any such aggregated data as we see fit. **Disclosures Required by Law.** We may be required to disclose Personal Information in response to lawful requests by public authorities, including to meet law enforcement requirements. We may be under a duty to disclose or share your Personal Information to comply with any legal obligation, to enforce or apply our terms and conditions and other agreements, to protect our rights, property, or safety, or to protect the rights, property, or safety of others. This includes exchanging information with other companies and organizations for the purposes of fraud protection. ## **4.2 Business Customers** **Affiliates, Subcontractors, and Service Providers.** We share Personal Information with our third-party service providers, affiliates, and any subcontractors as required to offer you our Services. These entities help us to: - Run, operate, and maintain our Services through third-party platforms and software tools - Perform crash analytics - Perform marketing analytics - Provide payment attribution - Provide measurement and analytics services - Provide technical and customer support **Jaris-powered Features.** If you use Jaris-powered features as part of our Services, we will share Personal Information with Jaris to deliver those features. Jaris provides technology and program management services that power certain Flute features, including financing, instant payout, settlement management, and risk monitoring. Jaris may process business information, relevant Transaction Data, settlement flows, and linked bank account information to provide these features. When you use Jaris-powered features, you will be asked to review and accept Jaris’s privacy policy, available at [https://jaris.io/legal/privacy](https://protect.checkpoint.com/v2/r01/___https://jaris.io/legal/privacy___.YXAzOm1ldGF2ZXJzZTpjOm9mZmljZTM2NV9lbWFpbHNfYXR0YWNobWVudDpiMGVmN2E4NmI0OTUyZTNhYzAzYTZiYmMxMDcxNGE4NTo3OjE0YjQ6YzI5MDk4MzFkYzQzYTE1MTBhY2EzOGJiNTM4YzNmNWZjM2YzN2U4NDgzZTAzNGNmNzY4NDgzMTY4MDQyODZjNzpwOlQ6Rg). Jaris may retain information in accordance with its own retention policies, including extended retention required by banking regulations. For bank partner products, Jaris processes information on behalf of First Internet Bank of Indiana as described in First Internet Bank of Indiana’s privacy notice. **Aggregated or De-identified Data.** We may also aggregate or otherwise strip Personal Information of all personally identifying characteristics and may share that aggregated or de-identified data with third parties or publish it. We reserve the right to make use of any such aggregated data as we see fit. **Disclosures Required by Law.** We may be required to disclose Personal Information in response to lawful requests by public authorities, including to meet law enforcement requirements. We may be under a duty to disclose or share your Personal Information to comply with a legal obligation; to enforce or apply our terms and conditions and other agreements; to protect our rights, property, or safety; or to protect the rights, property, or safety of others. This includes exchanging information with other companies and organizations for the purposes of fraud protection. # **5. International Transfers of Data** Any data that you provide to us may be accessed, shared, or processed by our offices located in the United States and service providers located in the United States if such data transfer is necessary for the specific purpose for which you submitted your data (such as the provision of goods or services under a written contract). This may entail the transfer of your Personal Information across international borders, where the data protection standards may differ and may be lower than the standards enforced in your jurisdiction. # **6. Children’s Privacy** The Services and Sites are not directed at individuals under the age of 16. We do not knowingly collect Personal Information from children under 16. If you become aware that an individual under the age of 16 has provided us with Personal Information, please contact us using the contact details provided at the end of this Privacy Policy. # **7. Change of Control** Personal Information may be transferred to a third party because of a sale, acquisition, merger, reorganization, or other change in control. If we sell, merge, or transfer any part of the business, part of the sale may include your Personal Information. # **8. Data Security and Retention** We implement a variety of security measures to maintain the safety of your Personal Information when you enter, submit, or access your Personal Information. However, no website, application, or transmission can guarantee security. Thus, while we have established and maintain what we believe to be appropriate technical and organizational measures to protect the confidentiality, security, and integrity of Personal Information obtained through the Services and Sites, we cannot ensure or warrant the security of any information you transmit to us. In addition, we encourage Business Customers to assist us in protecting Personal Information. Business Customers should create accounts using strong passwords, safeguard their passwords or API keys against unauthorized use, and avoid using login credentials they use for other services or accounts as the login credentials for the Services. We retain information from or about you for so long as necessary to fulfill the purposes outlined in this Privacy Policy and the applicable agreement with the Business Customer. When the information is no longer necessary for these purposes, we delete it or keep it in a form that does not identify you, unless we are required by law to keep this information for a longer period. When determining the retention period, we take into account various criteria, such as the type of products and services requested by or provided to you, the nature and length of our relationship with you, possible re-enrollment with our products or services, the impact on the services we provide to you if we delete some information from or about you, mandatory retention periods provided by law, and the statute of limitations. For information about how Jaris retains Personal Information, please see Section 4.2 above. # **9. Policy Updates** This Privacy Policy may be periodically updated. We encourage you to periodically review this Privacy Policy to ensure you are familiar with the most current version. Please review carefully before submitting Personal Information to our Sites and Services. The date the Privacy Policy was last updated is indicated at the top of this page. # **10. Contact Information** If you have any questions about or complaints in relation to this Privacy Policy, please contact us at privacy@flute.com. For information controlled by Jaris or a bank partner, privacy requests should be directed to those entities in accordance with their privacy policies. --- ### [Product](https://stg-flute-staging.kinsta.cloud/products/) **Published:** April 6, 2026 **Author:** Nerraj Thakur **Content:** 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. [ Get started ](https://stg-flute-staging.kinsta.cloud/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/blank-sv.svg) 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. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards.svg) ### Accept all types of payments Take payments every way your customers choose to pay, whether that’s in-person, on the go. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/invoice_spliting.svg) ### Control your costs Minimize and offset processing costs with flexible pricing models. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-next-day-payout.svg) ### Scale payments your way Pick and choose which parts of Flute’s payment stack you want for your business. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/shield-check.svg) ### 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](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/rainier-cendana-8w_webp-150x150.webp) [ Rainier Cendaña ](https://www.linkedin.com/in/rainier-cenda%C3%B1a-8850bb175/) 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 ### Create the payments stack you want Don’t get locked in to a suite of features you’ll never use. With Flute, you choose the solutions you want, with the ability to add and remove features whenever you need. [ Learn more ](https://stg-flute-staging.kinsta.cloud/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/white-graphic.svg) ### 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. [ Learn more ](https://stg-flute-staging.kinsta.cloud/) ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/card-content.svg) 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. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) ## FAQ Can I use your payments platform with my existing POS or invoicing system? Dummy Dummy Lorem Ipsum Dummy Text.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Would my business benefit from a comprehensive payments platform? Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Is your payments platform secure and PCI compliant? Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Can your platform pass card-processing fees to customers? Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. What security measures protect my transactions and data? Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. 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](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/AdobeStock_325997922-768x512.jpeg) ### What We’ve Been Building Toward: Meet Flute [ Read More ](https://stg-flute-staging.kinsta.cloud/blog/what-weve-been-building-toward-meet-flute/) ![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](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/AdobeStock_499971827-768x512.jpeg) ### Working Capital Loans: What They Are and How They Work [ Read More ](https://stg-flute-staging.kinsta.cloud/blog/working-capital-loans-what-they-are-and-how-they-work/) ![Café owner serving customers at the counter, a growing business that benefits from instant payouts to access card payment funds the same day](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/AdobeStock_1394757992-1-768x512.jpeg) ### Get Paid Faster: A Guide to Instant Payouts [ Read More ](https://stg-flute-staging.kinsta.cloud/blog/get-paid-faster-a-guide-to-instant-payouts/) --- ### [Partners](https://stg-flute-staging.kinsta.cloud/partnerships/) **Published:** May 27, 2026 **Author:** Nerraj Thakur --- ### [Industries](https://stg-flute-staging.kinsta.cloud/industry/) **Published:** April 8, 2026 **Author:** Nerraj Thakur **Content:** ![Industry home banner](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/industries_hero_banner_2x-scaled.png) Death care # Trusted payment processing for funeral homes [ Get started ](https://stg-flute-staging.kinsta.cloud/) Why funeral homes choose Flute. During life’s most difficult moments, give the families you serve the clarity and flexibility they deserve by offering a variety of payment options and reducing the administrative burden on your staff. All so you can focus on care, not logistics. - ## Offer multiple ways to pay - ## Receive payments the next day - ## Eliminate processing costs - ## Stay compliant with insurance polices “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](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/rainier-cendana-8w_webp-150x150.webp) [ Rainier Cendaña ](https://www.linkedin.com/in/rainier-cenda%C3%B1a-8850bb175/) President & CEO, Vitreous Alliance Payment options designed for care, not complexity. We know that every funeral home operates differently, and every family’s needs are unique. That’s why we offer a range of payment options that adapt to different situations. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/wallet-cards-v1.svg)## Flexible payment options Offer families a number of ways to pay, including by card or other methods like ACH and text-to-pay, with the option for installment plans that allow families to manage costs over time. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/table-columns-split.svg)## Invoice splitting and automation Create automated invoices and allow family members to pay separately without having to create multiple, individual invoices. ![arrow-up](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/banknote-arrow-up.svg)## Next-day payouts Maintain a steady cash flow with next-day payouts that arrive quickly and predictably, helping your business keep operations running smoothly. ![chevrnos](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/04/chevrons-down.svg)## Lower processing costs Keep more of each payment without passing on unnecessary burden to families. With efficient pricing and ACH payment methods, you get better margins. Pricing ## Affordable payment processing for funeral homes We offer simple, transparent pricing that helps you keep costs clear and predictable, supporting your business and the families you serve. [See pricing](https://stg-flute-staging.kinsta.cloud/pricing/) Hardware ## Funeral home payment terminals and devices [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) Portable ![Portable](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/03/portable.webp) Mounted ![Industry Mounted](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/industry-mounted-1024x987.png) Use the app ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/industry-app-1024x987.png) When families are making arrangements, technology should stay out of the way. Our payment hardware gives you another way to accept payments securely and discreetly — without adding complexity for your staff. [ Learn more ](https://stg-flute-staging.kinsta.cloud/products/hardware/) ## FAQ Do you specialize in payment processing for funeral homes? Dummy Dummy Lorem Ipsum Dummy Text.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Would my business benefit from a comprehensive payments platform? Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. How can we eliminate or offset credit card fees? Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. What payment methods and equipment do you support? Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. What security measures protect my transactions and data? Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Resources ### Insights to help you stay ahead ![Small business owner behind an espresso machine who uses Flute's new payment platform for his merchant services](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/AdobeStock_325997922-768x512.jpeg) ### What We’ve Been Building Toward: Meet Flute [ Read More ](https://stg-flute-staging.kinsta.cloud/blog/what-weve-been-building-toward-meet-flute/) ![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](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/AdobeStock_499971827-768x512.jpeg) ### Working Capital Loans: What They Are and How They Work [ Read More ](https://stg-flute-staging.kinsta.cloud/blog/working-capital-loans-what-they-are-and-how-they-work/) ![Café owner serving customers at the counter, a growing business that benefits from instant payouts to access card payment funds the same day](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/AdobeStock_1394757992-1-768x512.jpeg) ### Get Paid Faster: A Guide to Instant Payouts [ Read More ](https://stg-flute-staging.kinsta.cloud/blog/get-paid-faster-a-guide-to-instant-payouts/) --- ### [Sample Page](https://stg-flute-staging.kinsta.cloud/sample-page/) **Published:** January 22, 2026 **Author:** jamesbeems **Content:** 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. --- ### [Careers](https://stg-flute-staging.kinsta.cloud/careers/) **Published:** May 5, 2026 **Author:** Nerraj Thakur **Content:** Join the team# We are always looking for dynamic, passionate, and talented artists to join our team. ![](https://stg-flute-staging.kinsta.cloud/wp-content/uploads/2026/05/career-banner_webp-scaled.webp) --- ## Authors ### [Derek Dean](https://stg-flute-staging.kinsta.cloud/blog/profile/derek-dean/) **Published:** May 29, 2026 **Author:** Leah Bodenhamer --- ### [Paul Meter](https://stg-flute-staging.kinsta.cloud/blog/profile/paul-meter/) **Published:** May 29, 2026 **Author:** Leah Bodenhamer --- ### [John Badovinac](https://stg-flute-staging.kinsta.cloud/blog/profile/john-badovinac/) **Published:** May 21, 2026 **Author:** Nerraj Thakur --- ### [Leah Bodenhamer](https://stg-flute-staging.kinsta.cloud/blog/profile/leah-bodenhamer/) **Published:** May 27, 2026 **Author:** Leah Bodenhamer --- ### [John Anderson](https://stg-flute-staging.kinsta.cloud/blog/profile/john-anderson/) **Published:** April 24, 2026 **Author:** Nerraj Thakur --- ### [Sophie Martinez](https://stg-flute-staging.kinsta.cloud/blog/profile/sophie-martinez/) **Published:** April 24, 2026 **Author:** Nerraj Thakur --- ### [Clara Thompson](https://stg-flute-staging.kinsta.cloud/blog/profile/author-1/) **Published:** April 24, 2026 **Author:** Nerraj Thakur --- ## News ### [Flute and BusinessMind Are Simplifying Payments for Jewelers](https://stg-flute-staging.kinsta.cloud/news/flute-and-businessmind-are-simplifying-payments-for-jewelers/) **Published:** May 28, 2026 **Author:** Dom Litten **Content:** **Tempe, Ariz., November 12, 2025** — Flute, a full-service payments provider, today announced a partnership with DCIT, the creator of BusinessMind, a cloud-based software solution for jewelry retailers and manufacturers. The integration embeds Flute’s [payments technology](https://flute.com/products/payment-processing/) directly into BusinessMind, allowing jewelers to manage payments, inventory, customer records, and reporting in a single system designed specifically for the jewelry industry. “BusinessMind has been a trusted platform in the jewelry industry for years,” said John Badovinac, SVP of Embedded Commerce at Flute. “Integrating our gateway delivers a modern payment experience that simplifies operations and enhances financial visibility.” BusinessMind is known for supporting complex workflows such as repairs, custom orders, and shared inventory across multi-store environments. With the gateway now embedded, users can accept payments securely without relying on external terminals, while ensuring full PCI compliance and real-time data sync across transactions, inventory, and customer accounts. “Through this integration, we’re giving our customers an even more seamless experience. Payments, inventory, and customer data all stay in one place,” said Raffi Minassian, President of DCIT. “It streamlines operations with integrated inventory management, CRM, and POS, specifically designed for multi-store environments. Adding Flute gives our customers a fully integrated solution that keeps everything in one place.” The partnership enhances BusinessMind’s value as a complete business management system while expanding Flute’s presence in the jewelry industry. Together, the two companies deliver a powerful combination of industry-specific tools and embedded financial technology. ### About Flute Flute is the payments platform for the everyday economy. Every merchant gets a dedicated account, transparent pricing, a modern dashboard, and a service team that knows their business. Backed by Corsair Capital, Flute has supported merchants across the United States since 2005. Learn more at [flute.com](http://flute.com/). ### About DCIT BusinessMind [DCIT’s BusinessMind](https://www.dcit.com/businessmind-features-overview) is a cloud-based business management platform designed for the jewelry industry. It combines point of sale, inventory tracking, repair and workshop management, CRM, and analytics in one application available for both Windows and macOS. BusinessMind supports complex workflows and helps jewelers manage day-to-day operations with clarity and control. **News Categories:** Press Release --- ### [Introducing Flute: Payments Built for the Everyday Economy](https://stg-flute-staging.kinsta.cloud/news/introducing-flute-payments-built-for-the-everyday-economy/) **Published:** May 29, 2026 **Author:** Leah Bodenhamer **Content:** **TEMPE, Ariz.** — **June 1, 2026** — Aurora Payments today announced its rebrand as Flute, alongside the launch of a unified payments platform built for the growing businesses that power the everyday economy. Flute brings payments, working capital, transaction reporting, and merchant servicing into a single account for the millions of merchants across the independent retail, personal services, professional services, and hospitality industries. Millions of local U.S. businesses take payments at point of sale, and most are stuck between off-the-shelf services that weren’t built for them and legacy processors that haven’t kept up. Flute was built so merchants no longer have to choose: transparent pricing, same-day payouts, a responsive service team, modern payments acceptance, and a real-time dashboard to run their business. The platform brings together: - Dashboard: payments, deposits, and reporting in one view - Embedded finance: working capital and same-day payouts based on the merchant’s own transaction history - Business management: invoicing, recurring billing, and dispute resolution “Most merchants didn’t choose their payment processor so much as they just inherited one,” said[ Derek Dean](https://www.linkedin.com/in/dfdean/), CEO of Flute. “For a salon, restaurant, jewelry store, veterinary clinic or funeral home, that can mean rates they can’t break down, statements that take an accountant to decipher and frozen funds when a dispute lands. The merchants who switched to get more control often gave up technology that actually works. We built Flute to free growing businesses from that trade-off.” The new brand and platform follow a multi-year investment in Flute’s leadership, product, and engineering teams. Since its founding, Flute has signed more than 113,000 customers and processed over $40 billion in payment volume. Its partner network includes ISOs, ISVs, and trade associations like[ Jewelers of America](https://www.jewelers.org/) and the[ National Funeral Directors Association](https://nfda.org/). “Every transaction a merchant runs is a data point about their business,” said [Avin Arumugam](https://www.linkedin.com/in/avinaru/?lipi=urn%3Ali%3Apage%3Ad_flagship3_profile_view_base_contact_details%3BJoWFOwJQSYiuoAchFrRoiQ%3D%3D), Chief Product & Technology Officer at Flute. “With Flute, that data feeds their working capital, their reporting, and their tools. We didn’t build a platform that processes payments; we built one that helps businesses run.” Learn how Flute supports growing businesses at flute.com. **About Flute** Flute is the payments platform for the everyday economy. Backed by Corsair Capital, Flute gives growing businesses the financial tools to run their operations efficiently, without the headaches or the price tag. Learn more at [flute.com](http://flute.com). --- ### [Flute Partners With Clarity to Power Embedded Payments in Clarity POS](https://stg-flute-staging.kinsta.cloud/news/flute-partners-with-clarity-to-power-embedded-payments-in-clarity-pos/) **Published:** May 28, 2026 **Author:** Leah Bodenhamer **Content:** **TEMPE, AZ, UNITED STATES, October 9, 2025** — Flute, a full-service payments provider, today announced a strategic partnership with Clarity, the cloud-based point of sale platform built exclusively for jewelry retailers. This collaboration brings Flute’s embedded payments platform into the Clarity ecosystem — delivering a seamless, integrated solution that enhances efficiency and unlocks new value for jewelers. “Working with Clarity gives us the opportunity to deliver an integrated payment experience tailored to the unique demands of jewelry businesses,” said John Badovinac, SVP of Embedded Commerce at Flute. “Whether it’s a custom engagement ring or a routine repair, our goal is to make the payment process effortless so jewelers can focus on craftsmanship and client relationships.” Built from the ground up to serve the specialized needs of jewelers, Clarity supports key features such as repair tracking, custom orders, consignment management, and client text messaging. Now, with Flute fully embedded, Clarity users gain even more capabilities, including faster checkout and billing, enabling them to manage in-store sales, custom jobs, and repairs through a unified platform. Secure payment processing ensures every transaction is protected with PCI compliance, tokenization, and fraud detection. And simplified daily operations help streamline reporting and reconciliation with accurate, end-of-day summaries. “We built Clarity to be simple and powerful. Jewelers needed a POS that understands their world, from custom designs and trade-ins to consignment and service work,” said Waqas Saeed, Founder of Clarity. “With Flute integrated, payments become one less thing to worry about.” As point of sale platforms continue to evolve, Flute’s embedded payments platform enables software providers like Clarity to meet merchant expectations for seamless transactions while creating consistent revenue opportunities with every sale. For more information about Flute for software providers, [visit our partner page](http://flute.com/partnerships/saas-software-isv). ## About Flute Flute is the payments platform for the everyday economy. Every merchant gets a dedicated account, transparent pricing, a modern dashboard, and a service team that knows their business. Backed by Corsair Capital, Flute has supported merchants across the United States since 2005. Learn more at [flute.com](http://flute.com/). ## About Clarity Point of Sale Clarity Point of Sale is a cloud-based POS platform created specifically for jewelers. It brings together inventory management, custom jobs, repairs, consignment, customer communication, and reporting into one modern system accessible from any device. Learn more at . **News Categories:** Press Release --- ### [Flute and LimoGrid Launch Integrated Payments for Transportation Operators](https://stg-flute-staging.kinsta.cloud/news/flute-and-limogrid-launch-integrated-payments-for-transportation-operators/) **Published:** May 28, 2026 **Author:** Leah Bodenhamer **Content:** **TEMPE, AZ, UNITED STATES, October 23, 2025** — Flute, a full-service payments provider, today announced a strategic partnership with LimoGrid, a reservation and dispatch system designed specifically for the chauffeured transportation industry. The integration gives operators a single platform to manage everything from bookings to billing, all with secure, built-in payments. “LimoGrid understands what transportation companies need to run efficiently,” said John Badovinac, SVP of Embedded Commerce at Flute. “This integration is about making it easier for operators to handle payments from the same system they use to manage their fleet, schedule trips, and communicate with clients.” With its gateway embedded, LimoGrid users can now accept payments directly within the platform while managing reservations, dispatch, fleet tracking, and invoicing, all without switching systems or relying on third-party hardware. “By integrating Flute’s payment technology, our platform gives operators a powerful set of tools in one place,” said Conrad Karl, Director of Business Development at LimoGrid. “From managing a few airport transfers to running a large charter service, transportation businesses can stay organized, get paid faster, and serve clients better.” As more transportation companies shift to digital-first solutions, this partnership gives LimoGrid a competitive edge with fully integrated payments. It also helps generate new recurring revenue streams from every transaction processed through the platform. For more information about Flute for software providers, [visit our partner page](http://flute.com/partnerships/saas-software-isv). ### About Flute Flute is the payments platform for the everyday economy. Every merchant gets a dedicated account, transparent pricing, a modern dashboard, and a service team that knows their business. Backed by Corsair Capital, Flute has supported merchants across the United States since 2005. Learn more at [flute.com](http://flute.com/). ### About LimoGrid LimoGrid is a cloud-based reservation and dispatch platform created specifically for the chauffeured transportation industry. It brings together booking, fleet management, invoicing, payments, and customer communication into one modern system accessible from any device. Learn more at [https://www.limogrid.com](https://www.limogrid.com/). **News Categories:** Press Release --- ### [Flute Names Derek Dean Chief Executive Officer, Brian Goudie Transitions to Executive Chairman](https://stg-flute-staging.kinsta.cloud/news/flute-names-derek-dean-chief-executive-officer/) **Published:** May 28, 2026 **Author:** Leah Bodenhamer **Content:** **TEMPE, AZ, UNITED STATES, May 6, 2025** — Flute, a full-service payment technology provider, today announced that Derek Dean has been appointed Chief Executive Officer, effective immediately. Dean succeeds Brian Goudie, who will transition to the role of Executive Chairman after nearly a decade leading the company’s rapid expansion. Since joining Flute as Chief Revenue Officer, Dean has expanded the company’s direct sales organization, strengthened marketing, and advanced Flute’s SaaS-focused go-to-market engine. As CEO, Dean will accelerate organic growth and position the company as the end-to-end financial-technology partner of choice across multiple verticals. “Handing the CEO reins to Derek is the natural next step in a leadership transition we put into motion a year ago,” said Brian Goudie, Executive Chairman of Flute. “Derek’s energy, customer focus, and ability to scale high-performance teams have already advanced our mission, and as CEO, he will propel Flute even faster while I concentrate on long-term strategy and strategic partnerships—including targeted M&A.” As Executive Chairman, Goudie will guide board governance and long-range strategy while cultivating key relationships with processing partners, sponsor banks, and ISOs. He will also lead Flute’s M&A agenda to complement Dean’s organic-growth initiatives. “Flute combines a powerful technology platform with an unwavering commitment to merchant and partner success,” said Derek Dean, Chief Executive Officer of Flute. “Brian built an exceptional foundation. My focus now is to unlock the next wave of growth by deepening our fintech capabilities and delivering even more value to our partners and customers.” Dean brings more than 25 years of go-to-market leadership in enterprise software, data management, and service-commerce platforms. He joined Flute from Syndigo, an enterprise SaaS data-management company, where he served as President and Chief Revenue Officer. Before that, he was Senior Vice President of Sales and Customer Success at EverCommerce, a service-commerce platform that provides vertically tailored SaaS solutions. “Flute’s leadership transition underscores both the strength of its bench and its commitment to long-term value,” added Jeremy Schein, Flute’s board member and Partner at Corsair. “We are excited to continue supporting Derek, Brian, and the entire team as they accelerate the company’s fintech journey.” Dean’s appointment as CEO continues a series of strategic moves Flute has recently made to position the company for further growth, including the launch of its flagship cloud-based payment solution, which empowers small to midsize businesses to manage their payments through one seamless customized tech solution. ### About Flute Flute is the payments platform for the everyday economy. Every merchant gets a dedicated account, transparent pricing, a modern dashboard, and a service team that knows their business. Backed by Corsair Capital, Flute has supported merchants across the United States since 2005. Learn more at [flute.com](http://flute.com/). ### About Corsair Corsair is a specialist investment firm offering opportunities for investors and solutions for companies across its private markets Buyouts and Infrastructure businesses. The firm’s buyouts business is a financial services investor focused on making control investments in three verticals: payments, software, and business services. The infrastructure business operates as a strategic partnership with Investcorp as of December 2023. Investcorp Corsair focuses primarily on value-add opportunities in transportation, logistics, and associated infrastructure subsectors, blending operating platforms and deep sectoral expertise with equity sponsorship. Corsair has invested $13.6 billion in capital across buyouts and infrastructure since inception. For more information, please visit [www.corsair-capital.com](https://cts.businesswire.com/ct/CT?id=smartlink&url=https%3A%2F%2Fwww.corsair-capital.com&esheet=54249445&newsitemid=20250506719336&lan=en-US&anchor=www.corsair-capital.com&index=4&md5=567550a314e1a9c3d95e1c4fe1da8c29) and follow us on [LinkedIn](https://cts.businesswire.com/ct/CT?id=smartlink&url=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fcorsair-capital%2F&esheet=54249445&newsitemid=20250506719336&lan=en-US&anchor=LinkedIn&index=5&md5=00e619b91848b839ef5e76cf808281dc). **News Categories:** Press Release --- ### [Flute Partners with iVerticle to Power Integrated Payments in BravaPOS](https://stg-flute-staging.kinsta.cloud/news/flute-partners-with-iverticle-to-power-integrated-payments-in-bravapos/) **Published:** May 28, 2026 **Author:** Leah Bodenhamer **Content:** **LAS VEGAS, NV, UNITED STATES, August 5, 2025** — Flute, a full-service payment technology provider, today announced a strategic partnership with iVerticle, the developers behind the BravaPOS retail software platform. This collaboration brings Flute’s embedded payments platform into the BravaPOS ecosystem, offering a seamless, integrated solution that enhances operational efficiency and unlocks new revenue potential for iVerticle and its merchants. “We’re excited to welcome iVerticle and BravaPOS to our expanding partner network,” said John Badovinac, SVP of Embedded Commerce at Flute. “Their modular approach helps merchants deploy customized solutions quickly, combining CRM, project management, payments, and financial reporting. iVerticle consistently delivers meaningful value to their customers.” Integrating Flute with BravaPOS simplifies transactions, reduces manual reconciliation, speeds checkout, and ensures PCI compliance and security. Merchants benefit directly from improved operational efficiency and a comprehensive retail solution. “Working with Flute has been a true collaboration,” said Joel Blouin, Business Systems Architect at iVerticle. “Their hands-on support and dedicated specialists made the integration smooth. Most importantly, they’ve enabled our merchants to cut processing costs and see faster, more predictable revenue.” As retailers increasingly expect integrated payments within their POS platforms, Flute helps software companies like iVerticle meet these needs while generating consistent revenue per transaction. For more information about Flute for software providers, [visit our partner page](http://flute.com/partnerships/saas-software-isv). ## About Flute Flute is the payments platform for the everyday economy. Every merchant gets a dedicated account, transparent pricing, a modern dashboard, and a service team that knows their business. Backed by Corsair Capital, Flute has supported merchants across the United States since 2005. Learn more at [flute.com](http://flute.com/). ## About iVerticle iVerticle develops BravaPOS, a comprehensive retail point-of-sale solution that streamlines operations for independent retailers. BravaPOS provides easy-to-use tools for inventory management, sales tracking, and customer engagement, enabling retailers to operate efficiently and stay competitive. Learn more at . **News Categories:** Press Release --- ### [Flute and eSpa247 Deliver Seamless Embedded Payments for Beauty and Wellness Businesses](https://stg-flute-staging.kinsta.cloud/news/flute-and-espa247-deliver-seamless-embedded-payments/) **Published:** May 29, 2026 **Author:** Leah Bodenhamer **Content:** **TEMPE, AZ, UNITED STATES, January 28, 2025** — Flute, a full-service payments provider, today announced a partnership with [eSpa247](https://product.espa247.com/), a cloud-based salon and spa management platform built specifically for beauty and wellness businesses. Through this integration, Flute’s embedded payment platform is now natively available inside eSpa247’s management system. ### Embedded payments for salons: streamlined processing within spa management software The integration allows salons and spas to accept payments securely within the same system they use to manage appointments, services, retail sales, staff scheduling, and client relationships. Payments are no longer a separate front-desk process, helping reduce friction, improve accuracy, and streamline day-to-day operations. With Flute embedded directly into eSpa247, beauty businesses can accept card-present, contactless, and digital payments tied to appointments, walk-ins, retail purchases, memberships, and loyalty activity. By eliminating disconnected terminals and manual reconciliation, owners gain clearer visibility into revenue, tips, and overall performance. “Beauty businesses need payment technology that keeps pace with how they operate day-to-day,” said John Badovinac, SVP of Embedded Commerce at Flute. “By embedding Flute into eSpa247, we’re giving salon and spa owners a faster, more intuitive way to accept payments while maintaining clear visibility into services, tips, and overall performance.” ### Secure payment processing for beauty businesses: PCI-compliant integration and unified reporting The integration delivers Flute’s full payments infrastructure to eSpa247 users, including PCI-compliant security, [tokenization,](https://flute.com/products/network-tokenization/) and real-time fraud protection. Payment data flows directly into reporting and financial dashboards, providing consolidated insights across services, retail, and locations. This unified view helps beauty businesses manage cash flow more efficiently and scale with confidence. “Our goal with eSpa247 has always been to simplify operations for wellness professionals,” said Tony Lam, founder of eSpa247. “We provide tools for online booking, marketing, loyalty, and staff management, but adding Flute gives our users one less system to manage and more time to focus on clients.” ### Integrated payment solutions for the wellness industry: meeting cloud-based POS demand As salons and spas continue to adopt cloud-based systems and integrated POS technologies, the partnership between Flute and eSpa247 reflects growing demand for software platforms that embed payments directly into daily workflows. Together, the companies help beauty and wellness businesses operate more efficiently while delivering a smoother, more connected guest experience. For more information about Flute for software providers, [visit our partner page](http://flute.com/partnerships/saas-software-isv). ### About Flute Flute is the payments platform for the everyday economy. Every merchant gets a dedicated account, transparent pricing, a modern dashboard, and a service team that knows their business. Backed by Corsair Capital, Flute has supported merchants across the United States since 2005. Learn more at [flute.com](http://flute.com/). ### About eSpa247 eSpa247 is a cloud-based POS and management platform built specifically for salons, spas, and wellness businesses. The platform combines appointment booking, walk-in management, retail sales, inventory tracking, memberships, customer communication, marketing tools, and reporting into a single, easy-to-use system accessible from any device. Designed to streamline operations, reduce administrative overhead, and enhance the client experience, eSpa247 empowers business owners and staff to focus on delivering exceptional service while gaining real-time insights into performance and revenue. https://product.espa247.com **News Categories:** Press Release --- ## Categories ### [Uncategorized](https://stg-flute-staging.kinsta.cloud/blog/category/uncategorized/) --- ## Audiences ### [Software developers](https://stg-flute-staging.kinsta.cloud/blog/audience/software-developers/) --- ### [ISO agents](https://stg-flute-staging.kinsta.cloud/blog/audience/iso-agents/) --- ### [Associations](https://stg-flute-staging.kinsta.cloud/blog/audience/associations/) --- ### [SaaS providers](https://stg-flute-staging.kinsta.cloud/blog/audience/saas-providers/) --- ### [Growing businesses](https://stg-flute-staging.kinsta.cloud/blog/audience/growing-businesses/) --- ## News Categories ### [Press Release](https://stg-flute-staging.kinsta.cloud/blog/news_category/press-release/) --- ## Post Flags ### [Featured](https://stg-flute-staging.kinsta.cloud/blog/post_flag/featured/) **Description:** Used for making a post featured --- ### [Top Post](https://stg-flute-staging.kinsta.cloud/blog/post_flag/top-post/) **Description:** used for making a post top post --- ## Topics ### [Online payments](https://stg-flute-staging.kinsta.cloud/blog/topic/online-payments/) --- ### [Payment processing](https://stg-flute-staging.kinsta.cloud/blog/topic/payment-processing/) --- ### [Cost savings](https://stg-flute-staging.kinsta.cloud/blog/topic/cost-savings/) --- ### [Working capital](https://stg-flute-staging.kinsta.cloud/blog/topic/working-capital/) --- ### [In-person payments](https://stg-flute-staging.kinsta.cloud/blog/topic/in-person-payments/) --- ### [Mobile payments](https://stg-flute-staging.kinsta.cloud/blog/topic/mobile-payments/) --- ### [Business growth](https://stg-flute-staging.kinsta.cloud/blog/topic/business-growth/) --- ### [Customer experience](https://stg-flute-staging.kinsta.cloud/blog/topic/customer-experience/) --- ### [Embedded payments](https://stg-flute-staging.kinsta.cloud/blog/topic/embedded-payments/) --- ### [Zero-cost processing](https://stg-flute-staging.kinsta.cloud/blog/topic/zero-cost-processing/) --- ### [Understanding payments](https://stg-flute-staging.kinsta.cloud/blog/topic/understanding-payments/) --- ### [Faster payouts](https://stg-flute-staging.kinsta.cloud/blog/topic/faster-payouts/) --- ### [Developer solutions](https://stg-flute-staging.kinsta.cloud/blog/topic/developer-solutions/) --- ### [Flexible payments](https://stg-flute-staging.kinsta.cloud/blog/topic/flexible-payments/) ---