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Payment Infrastructure For Fintechs, Banks & Global Businesses.

Connecting fintechs, banks, software platforms and enterprises to the backbone of modern financial & payment rails.

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Payfac as a Service

Fintech Express. Fast-track to global payment rails.

Managed BIN Sponsorship. No Opex. No Capex. The win-win omnichannel acceptance solution from Flocash for Fintechs, PSPs and Payment Switch.

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Any business. Any scale. Total flexibility.

Comprehensive solutions for disruptive startups and established global leaders – available in over 130 markets globally.

Global Payment Solutions

Third Party Payment Processing

A fully managed, cost effective and an end-to-end issuing, acquiring and clearing processing services for fintechs, neobanks, marketplace and financial institutions.

Flexible Integration

Corporate Travel & Expense Management

Flotravel – the all in one, AI powered – business travel, expense management and payment solution - fully integrated with corporate ERP systems.

Real-Time Analytics

B2B Wallet for Supplier Payments

Pay supplier invoices with Flocash B2B wallet enabled by virtual cards. Boost your business cashflow and streamline finance operations.

Enhanced Security

Embedded Payments

Embedded finance enabler solutions - leveraging APIs and cloud technology to integrate financial products with compelling go-to-market proposition.

Enable software platforms to scale with integrated payments - designed to unlock new revenue stream, sharpen market position, and carve out a unique selling proposition.

Empowering banks to extend financial services through 3rd party retail and B2B platform.

Flexible Integration

B2B Wallet for Supplier Payments

Pay supplier invoices with Flocash B2B wallet enabled by virtual cards. Boost your business cashflow and streamline finance operations.

Real-Time Analytics

Payment Acceptance & Orchestration

Designed for cross-border business, our payment orchestration and acceptance solution enables businesses to drive growth, efficiency and customer experience. Unparallel global coverage, least-cost-routing, network tokens and funds repatriation.

Integrate once. Launch everywhere. Scale instantly.

Integrate once and unlock 100+ global markets instantly. Launch globally in weeks with a single API that automates regional compliance and regulatory overhead. One API, global compliance

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Industries and Clients We Support.

From niche startups to multinational corporations, we provide deep domain expertise in travel and payment solutions for businesses of all sizes.

Small Businesses

Small Businesses

A unified commerce platform providing total visibility and control over all inbound and outbound fund flows.

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Fintechs & PSPs

Fintechs & PSPs

As fintechs scale, Flocash provides the infrastructure and connectivity to accelerate their innovation.

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Airlines

Airlines

Flocash offers airlines the solution and services to drive growth, efficiency and customer experience.

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Banks & FIs

Banks & FIs

Powering the seamless distribution of banking services across retail touchpoints and digital platforms.

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Software Platforms

Software Platforms

Unlock new revenue and scale your platform to industry leadership with integrated payments.

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Your Competitive Advantage, Powered by Our Expertise

Save time and focus on what truly matters. Our smart solutions automate routine tasks, streamline your workflow, and help your business grow faster with less effort.

Seamless Onboarding

Travel Payment Orchestration

For airlines, payment orchestration is a strategic necessity that unifies fragmented global operations into a single intelligent layer.

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Embedded Payments

Embedded Payments

Invisible embedded payments thrive on a hybrid strategy that balances seamless user experience with outsourced regulatory complexity.

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Navigating Fintech Payment Rails

Navigating Fintech Payment Rails

Fintechs use BIN sponsors and technical enablers to access traditional card schemes, bypassing the high regulatory barriers of direct integration.

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Start Your Growth Journey

Are you ready to transform
your business?

We help startups and growing companies turn ideas into measurable results. With data-driven marketing strategies, powerful automation, and creative campaigns, we help you attract more customers, increase conversions, and scale faster than ever.

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Frequently asked questions

Below, you will find answers to the most common questions. Can't find what you are looking for? Go to our Contact us page directly.

  • • Shared BIN Option: Launch within 4 to 6 weeks by utilizing our pre-certified shared BIN pools.
  • • Instant Sandbox: Get API credentials immediately to build your product while compliance approval runs in parallel.
  • • Pre-Approved Templates: Skip months of network paperwork by using our pre-certified card program designs.

  • • Low Minimums: We offer startup-friendly monthly volume tiers with no massive upfront commitments.
  • • Phased Rollout: Launch a private beta to 100 users, then scale seamlessly to millions when you are ready.
  • • Flexible Upgrades: Easily transition from a shared BIN to a dedicated BIN as your transaction volume grows.

  • • Issue a virtual card into a user’s digital wallet within milliseconds of account creation.
  • • Print and ship physical cards to users individually, preventing the need for bulk upfront inventory.

  • • Direct access to Visa and Mastercard networks under our licensing.
  • • We handle daily settlement, clearing, and fund reconciliation with the card networks.
  • • Access pre-established relationships with regulated sponsor banks seamlessly.

  • • Shared BINs: Fastest time-to-market, utilizing an existing, pre-configured BIN pool.
  • • Dedicated BINs: Custom BIN ranges tailored for unique branding or specific processing rules.

  • • Principal membership access across our primary domestic operating markets in Europe, Middle East & Africa.
  • • Issuing capabilities optimized for multi-currency international transactions.

  • • Use our fully integrated, compliant KYC/KYB identity verification API.
  • • Integrate your own vendor while we provide final compliance oversight.

  • • Automated Screening - Our system monitors transactions in real-time for money laundering patterns.
  • • Sanction Checking - Continuous, automated matching against global PEP and sanction lists.
  • • Reporting - We manage the generation and submission of required SARs (Suspicious Activity Reports).

  • • Programs require pre-funding or a rolling reserve to secure daily settlement liquidity.
  • • Reserve requirements are calculated dynamically based on program volume and risk profile.

  • • We draft and submit all necessary program documentation to Visa/Mastercard.
  • • We review your physical card designs to ensure compliance with network branding guidelines.
  • • Our team manages the mandatory network validation tests prior to your launch.

  • • Clients must be a legally registered business in good standing.
  • • Standard corporate financial vetting and background checks are required during onboarding.

  • • Direct connectivity with Visa, Mastercard, and American Express.
  • • EMV chip, contactless, magnetic stripe, and metal cards.
  • • Instant-issuance virtual cards for immediate e-commerce use.
  • • Direct provisioning into Apple Pay, Google Pay, and Samsung Pay.

  • • Get instant access to API keys to start building immediately.
  • • Fast-track launching using our sponsor bank network relationships.
  • • Go live in as little as 4 to 8 weeks using our pre-configured templates.

  • • Loaded funds, gift cards, payroll, and corporate expense programs.
  • • Direct connectivity to demand deposit accounts (DDA) for neo-banks.
  • • Revolving balances, ledger management, interest calculation, and shadow routing.

  • • Modern JSON-based APIs with comprehensive developer documentation.
  • • Built on cloud-native infrastructure capable of handling 10,000+ transactions per second.
  • • We guarantee a 99.99% core processing uptime backed by service credits.

  • • Built-in multi-currency ledger tracking double-entry accounting.
  • • Opt to act purely as the processor while utilizing your own internal balance database.

  • • PCI-DSS Level 1, Our infrastructure meets the highest global compliance security standards.
  • • PCI-Compliant UI, Embed secure iframe components into your app so card data never touches your servers.

  • • Real-Time Rules Engine - Block transactions by country, merchant category code (MCC), or transaction velocity.
  • • 3D Secure - Native support for frictionless customer authentication during online shopping.
  • • Tokenized Security - Advanced token management services to secure digital wallet credentials.

  • • Direct integrations with Visa VTS and Mastercard MDES.
  • • Pre-integrated with global card manufacturers for seamless printing, personalization, and mailing.
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