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# Flute

## Sitemaps

- [XML Sitemap](https://stg-flute-staging.kinsta.cloud/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [What We’ve Been Building Toward: Meet Flute](https://stg-flute-staging.kinsta.cloud/blog/what-weve-been-building-toward-meet-flute/) - Flute is the payments platform built to grow with you. Hear from CEO Derek Dean to learn who we are, why we rebranded, and where we're going next.
- [Get Paid Faster: A Guide to Instant Payouts](https://stg-flute-staging.kinsta.cloud/blog/get-paid-faster-a-guide-to-instant-payouts/) - Card payment settlement takes 2-3 days. Instant payouts let growing businesses access earned revenue in minutes — no debt, no credit check. Here's how it works.
- [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/) - Working capital loans give growing businesses fast, flexible funding — no credit check, no collateral, and repayment that adjusts with your sales.
- [Understanding Embedded Finance: Beyond Payments ](https://stg-flute-staging.kinsta.cloud/blog/understanding-embedded-finance-beyond-payments/) - Embedded finance integrates payments, lending, and instant payouts directly into your software — helping SaaS platforms grow revenue and retain more users.
- [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/) - The best card reader for your small business depends on where you sell. Learn the difference between countertop and mobile payment hardware and how to choose.
- [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/) - No-fee credit card processing lets you pass fees to customers compliantly — using surcharging, cash discounting, or dual pricing. Here's how.
- [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/) - Amazon Prime Day pulls shoppers away from growing businesses. Here are 6 strategies to compete — with promotions, payment options, and loyalty.
- [How Payment Links Help Businesses Get Paid Faster](https://stg-flute-staging.kinsta.cloud/blog/how-payment-links-help-businesses-get-paid-faster/) - Payment links shrink the gap between sending an invoice and getting paid — customers tap a link and pay instantly, no app or paper required. Here's how it works
- [How to Lower Your Credit Card Processing Fees ](https://stg-flute-staging.kinsta.cloud/blog/how-to-lower-your-credit-card-processing-fees/) - Credit card processing fees add up fast. Here's what they are, how different pricing models work, and 7 ways to keep more of every sale.
- [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/) - Learn how to accept contactless payments for your small business, including cards, digital wallets, text to pay, QR codes, and online.

## Pages

- [Home Page](https://stg-flute-staging.kinsta.cloud/) - Real capability, real ownership of your money, real support. The payments platform built for the everyday economy and businesses doing the real work.
- [Contact Us Saas Isv](https://stg-flute-staging.kinsta.cloud/contact-us-saas-isv/)
- [Contact Us](https://stg-flute-staging.kinsta.cloud/contact-us/) - Contact Flute's U.S.-based sales and support teams. Get a quote, ask about your setup, or reach out for help with your account. We'll get back to you fast.
- [Contact Us Agent Iso](https://stg-flute-staging.kinsta.cloud/contact-us-agent-iso/)
- [Contact Us – Associations](https://stg-flute-staging.kinsta.cloud/contact-us-associations/)
- [Payment Processing](https://stg-flute-staging.kinsta.cloud/products/payment-processing/) - Flute's payment processing platform gives you flexible pricing, modular tools, and one dashboard. Accept every payment type in person, online, or on the go.
- [Hardware](https://stg-flute-staging.kinsta.cloud/products/hardware/) - Choose from portable terminals, countertop POS, mobile readers, and Tap to Pay on iPhone. Flexible hardware, transparent pricing, ready out of the box.
- [News](https://stg-flute-staging.kinsta.cloud/news/) - Read the latest Flute press releases, partnership announcements, and product news from across the everyday economy. Launches, leadership, and partner stories.
- [About Us](https://stg-flute-staging.kinsta.cloud/about-us/) - Since 2005, Flute has helped merchants, software platforms, and partners process payments. Meet the team behind a platform built for the everyday economy.
- [Marine & powersports](https://stg-flute-staging.kinsta.cloud/industry/marine-powersports/) - Flute's marine payment processing handles dockside checkout, boat-sale deposits, and slip rental billing. Mobile readers and one dashboard for the operation.
- [Logistics & Moving](https://stg-flute-staging.kinsta.cloud/industry/logistics-moving/) - Flute's moving company payment processing collects deposits at booking, sends invoices in the field, and supports ACH for freight and B2B clients. Mobile-ready.
- [Luxury Transportation](https://stg-flute-staging.kinsta.cloud/industry/luxury-transportation/) - Flute's luxury transportation payment processing collects deposits, invoices corporate accounts, and runs mobile readers in-car. One dashboard for the fleet.
- [Automotive](https://stg-flute-staging.kinsta.cloud/industry/automotive/) - Flute's automotive payment processing handles oil changes and transmission rebuilds in one platform. Estimates, invoicing, and mobile payments for tow trucks.
- [Nonprofit](https://stg-flute-staging.kinsta.cloud/industry/nonprofit/) - Flute's non-profit payment processing handles recurring donations, ACH, and event giving. Zero-cost option keeps more of every donation working for your mission.
- [Health care](https://stg-flute-staging.kinsta.cloud/industry/health-care/) - Flute's health care payment processing collects copays, automates recurring billing for ongoing care, and supports text-to-pay. PCI-compliant and encrypted.
- [Veterinary](https://stg-flute-staging.kinsta.cloud/industry/veterinary/) - Flute's veterinary payment processing collects deposits, automates wellness plan billing, and sends post-procedure invoices. One platform, front desk to house call.
- [Legal & Financial](https://stg-flute-staging.kinsta.cloud/industry/legal-financial/) - Flute's payment processing for law firms and CPAs handles retainers, ACH transfers, and recurring billing. A simple LawPay alternative with PCI-compliant security.
- [Consignment & Resale](https://stg-flute-staging.kinsta.cloud/industry/consignment-resale/) - Flute's thrift store POS keeps checkout fast and sends payment links for estate lots and bulk inventory. One dashboard for in-store and off-site sales.
- [Sports & Outdoors](https://stg-flute-staging.kinsta.cloud/industry/sports-outdoors/) - Flute's sporting goods POS keeps in-store, event, and online sales in sync. Mobile readers for tournaments, high-tickets, and transparent rates included.
- [Independent Retail](https://stg-flute-staging.kinsta.cloud/industry/independent-retail/) - Flute's retail payment processing connects in-store and online sales, accepts every card and wallet, and gives independent stores rates that fit their margins.
- [Jewelers](https://stg-flute-staging.kinsta.cloud/industry/jewelry/) - Flute's jewelry POS handles high-ticket sales with secure customer vaulting, zero-cost processing, and deposits for custom orders. Lower fees, every sale.
- [Market Stalls](https://stg-flute-staging.kinsta.cloud/industry/market-stalls/) - Flute's mobile POS for market stalls pairs to your phone, accepts cards and mobile wallets, and runs all day on a single charge. Flat rates, no hidden fees.
- [Mobile Eats](https://stg-flute-staging.kinsta.cloud/industry/mobile-eats/) - Flute's food truck POS handles window rushes, catering deposits, and event invoicing from one platform. Compact hardware and flat rates for mobile operators.
- [Independent Dining](https://stg-flute-staging.kinsta.cloud/industry/independent-dining/) - Flute's restaurant POS handles tableside payments, automatic tip prompts, and fast counter checkout. One dashboard for every shift, no long-term contracts.
- [Coffee Shops & Cafes](https://stg-flute-staging.kinsta.cloud/industry/coffee-shops-cafes/) - Flute's coffee shop POS keeps lines moving with tap-to-pay, tip prompts, and zero-cost processing options. One dashboard for every shift, every shop.
- [Death care](https://stg-flute-staging.kinsta.cloud/industry/death-care/) - Flute's funeral home payment processing supports installment plans, invoice splitting, and next-day funding. Help families pay their way with less admin work.
- [Home & Field Services](https://stg-flute-staging.kinsta.cloud/industry/home-field-services/) - Flute's field service payment processing accepts cards on-site, sends deposit links, and tracks every job from one dashboard. Get paid the day you finish.
- [Pet care](https://stg-flute-staging.kinsta.cloud/industry/pet-care/) - Flute's pet care payment processing handles deposits, package billing, and mobile checkout at the kennel or in the field. One dashboard for every appointment.
- [Childcare](https://stg-flute-staging.kinsta.cloud/industry/childcare/) - Flute's childcare payment processing collects tuition, automates recurring billing, and gives families flexible ways to pay. One dashboard for every enrollment.
- [Pricing](https://stg-flute-staging.kinsta.cloud/pricing/) - Pay 2.6% + 10¢ for in-person card payments. Choose a flat Flute Standard rate or build a custom plan with interchange-plus, volume tiers, or dual pricing.
- [Associations](https://stg-flute-staging.kinsta.cloud/partnerships/associations/) - Flute's affinity program gives associations recurring revenue and members lower processing rates. Turnkey marketing and a dedicated account manager included.
- [ISO](https://stg-flute-staging.kinsta.cloud/partnerships/agent-iso/) - Flute's ISO program offers transparent residual splits, fast merchant onboarding, and dedicated U.S.-based support. Grow your book with a real team behind you.
- [ISVs-SaaS Partners](https://stg-flute-staging.kinsta.cloud/partnerships/saas-software-isv/) - Earn on every transaction your software processes. Flute handles compliance, underwriting, and risk so your team ships embedded payments faster.
- [Fitness & Training](https://stg-flute-staging.kinsta.cloud/industry/fitness-training/) - Flute's gym POS handles recurring membership billing, fast front-desk checkout, and mobile payments for trainers. One dashboard for every sale.
- [Spas](https://stg-flute-staging.kinsta.cloud/industry/spas/) - Flute's spa POS collects deposits at booking, automates membership billing, and keeps checkout quiet at the front desk. One dashboard for every sale.
- [Nail Salons](https://stg-flute-staging.kinsta.cloud/industry/nail-salons/) - Flute's nail salon POS keeps back-to-back bookings moving with deposits, memberships, and split-bill checkouts. Tap-to-pay and transparent rates included.
- [Beauty Salons](https://stg-flute-staging.kinsta.cloud/industry/beauty-salons/) - Flute's beauty salon POS keeps checkouts fast, deposits painless, and memberships running. One platform for tip-friendly payments and prepaid packages.
- [Fraud prevention & security](https://stg-flute-staging.kinsta.cloud/products/fraud-prevention-security/) - Flute's payment fraud prevention reduces chargebacks, stops risky transactions, and keeps customer data safe. BIN protection and PCI compliance built in.
- [Network tokenization](https://stg-flute-staging.kinsta.cloud/products/network-tokenization/) - Flute's network tokenization reduces fraud, cuts declined payments, and lowers your processing costs. The safest way to protect your customers and business.
- [Instant Payouts](https://stg-flute-staging.kinsta.cloud/products/instant-payouts/) - Move up to $10,000 from your completed card sales in seconds, any day of the year. Flat 1.5% fee shown upfront, no subscription, no credit check.
- [Working capital](https://stg-flute-staging.kinsta.cloud/products/working-capital/) - Access working capital to run your business in days. Flute reviews your sales history instead of your credit, and repayments flex with your daily revenue.
- [Recurring billing](https://stg-flute-staging.kinsta.cloud/products/recurring-billing/) - Automate billing for subscriptions, memberships, and retainers. Network tokenization keeps cards current, so recurring payments don't fail when cards expire.
- [Invoicing](https://stg-flute-staging.kinsta.cloud/products/invoicing/) - Send professional invoices by text or email, with payment links built in. Customers pay by card or ACH the moment they open it, and Flute tracks every invoice.
- [Dashboard and Reporting](https://stg-flute-staging.kinsta.cloud/products/dashboard-and-reporting/) - See every transaction, payout, and trend in one dashboard. Flute brings in-person, online, and mobile payments together for reporting and reconciliation.
- [Level 2 & 3 Processing](https://stg-flute-staging.kinsta.cloud/products/level-2-3-processing/) - Lower your interchange on B2B and government card payments with automated Level 2 and 3 data. Flute captures the details so you save up to 1% per transaction.
- [Embedded payments](https://stg-flute-staging.kinsta.cloud/products/embedded-payments/) - Embed payments inside your SaaS platform and earn on every transaction. Flute models your earnings upfront, ships developer-friendly APIs, and stays with you.
- [ACH payments](https://stg-flute-staging.kinsta.cloud/products/ach-payments/) - Cut processing costs by accepting ACH payments for one-time purchases, recurring billing, and B2B invoices. Flute verifies bank accounts before each transfer.
- [Dual pricing & surcharging](https://stg-flute-staging.kinsta.cloud/products/dual-pricing-surcharging/) - Keep more of every sale with dual pricing, surcharging, or cash discounting. Flute handles compliance and setup so you can offset processing fees from day one.
- [Online payments](https://stg-flute-staging.kinsta.cloud/products/online-payments/) - Accept payments online with Flute's e-commerce checkout. Embed payments, use a hosted page, or share secure links. Built-in fraud protection, easy integration.
- [Mobile payments](https://stg-flute-staging.kinsta.cloud/products/mobile-payments/) - Process mobile payments anywhere with Flute's portable card readers, mobile POS app, and secure payment links. Same rates as your countertop, no surprise fees.
- [In-person payments](https://stg-flute-staging.kinsta.cloud/products/in-person-payments/) - Accept in-person payments with Flute's plug-and-play hardware, mobile readers, and full POS systems. Fast checkouts, transparent rates, and U.S.-based support.
- [Program Guide Agreement](https://stg-flute-staging.kinsta.cloud/program-guide-agreement/)
- [Terms of Service](https://stg-flute-staging.kinsta.cloud/terms-and-conditions/) - 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
- [Evolve Merchant Agreement](https://stg-flute-staging.kinsta.cloud/evolve-merchant-agreement/) - 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
- [Merrick Merchant Agreement](https://stg-flute-staging.kinsta.cloud/merrick-merchant-agreement/) - 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
- [Esquire and Flute Merchant Agreement](https://stg-flute-staging.kinsta.cloud/esquire-and-flute-merchant-agreement/) - 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,
- [Blog](https://stg-flute-staging.kinsta.cloud/blog/)
- [Equipment Terms and Conditions](https://stg-flute-staging.kinsta.cloud/equipment-terms-and-conditions/) - 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
- [Privacy Policy](https://stg-flute-staging.kinsta.cloud/privacy-policy/) - 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,”
- [Product](https://stg-flute-staging.kinsta.cloud/products/)
- [Partners](https://stg-flute-staging.kinsta.cloud/partnerships/)
- [Industries](https://stg-flute-staging.kinsta.cloud/industry/)
- [Sample Page](https://stg-flute-staging.kinsta.cloud/sample-page/)
- [Careers](https://stg-flute-staging.kinsta.cloud/careers/)

## Authors

- [Derek Dean](https://stg-flute-staging.kinsta.cloud/blog/profile/derek-dean/) - Author Profile. Flute's Chief Executive Officer, Derek Dean
- [Paul Meter](https://stg-flute-staging.kinsta.cloud/blog/profile/paul-meter/) - Product Marketing Manager at Flute, Paul Meter.
- [John Badovinac](https://stg-flute-staging.kinsta.cloud/blog/profile/john-badovinac/)
- [Leah Bodenhamer](https://stg-flute-staging.kinsta.cloud/blog/profile/leah-bodenhamer/)
- [John Anderson](https://stg-flute-staging.kinsta.cloud/blog/profile/john-anderson/)
- [Sophie Martinez](https://stg-flute-staging.kinsta.cloud/blog/profile/sophie-martinez/)
- [Clara Thompson](https://stg-flute-staging.kinsta.cloud/blog/profile/author-1/)

## News

- [Flute and BusinessMind Are Simplifying Payments for Jewelers](https://stg-flute-staging.kinsta.cloud/news/flute-and-businessmind-are-simplifying-payments-for-jewelers/) - The Flute, BusinessMind integration brings unified payments, inventory, and customer workflows to one of the jewelry industry’s most trusted management systems.
- [Introducing Flute: Payments Built for the Everyday Economy](https://stg-flute-staging.kinsta.cloud/news/introducing-flute-payments-built-for-the-everyday-economy/) - Introducing Flute. The new brand and unified platform follow a multi-year investment in product, engineering, and leadership.
- [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/) - Jewelers using Clarity POS gain faster checkouts, secure transactions, and simplified daily operations through Flute's embedded payments integration.
- [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/) - The new integration brings Flute’s gateway into LimoGrid’s reservation and dispatch system, helping manage payments, billing, and fleet management.
- [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/) - The leadership transition positions Flute to accelerate organic growth and its evolution from merchant services leader to full-stack fintech platform.
- [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/) - Merchants using BravaPOS gain seamless payment processing, faster checkouts, and new revenue opportunities through the Flute and iVerticle integration.
- [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/) - Flute's embedded payments beauty integration brings booking, client management, and salon workflows together in one leading software platform.

## 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/) - Used for making a post featured
- [Top Post](https://stg-flute-staging.kinsta.cloud/blog/post_flag/top-post/) - 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/)