Features

Comprehensive Tools for Flexible Payment Management

At Flow Gateway, we offer more than just a connection between your business and payment processors. Our robust suite of features is designed to help you manage payment workflows, streamline transactions, and deliver a smooth customer experience — all without handling payment processing or fund settlement.

Our platform empowers ISOs, software providers, and businesses to build smarter, scalable payment systems that work with their existing processor relationships.

Core Features:

Virtual Terminal

Accept one-off payments securely through a web interface, ideal for phone and mail orders.

Detailed Reporting

Access real-time, granular data to monitor transactions, identify issues, and improve your operations.

Customer Vault & Tokenization

Safely store customer payment credentials with tokenization to simplify recurring billing and reduce PCI scope.

Automated Recurring Billing

Set up flexible billing schedules to support subscription services without managing sensitive card data.

White-Label Capabilities

Brand the entire payment experience as your own for your customers and merchants.

Dynamic Transaction Routing

Route payments intelligently based on card type, geography, or processor rules — all within one gateway.

Gateway Features

Processor
FISERV
Certification
Platform
TSYS/Transit IT
Omaha (Coming soon)
Host Initiated Batch Close
Supported
Gateway Initiated Batch Close
Supported
Industry Type
Retail
Yes
Direct Marketing/MOTO
Yes
Restaurant
Yes
E-commerce
Yes
Omaha (Coming soon)
Card Types
V/MC/AX/Disc/JCB/Diner’s
Yes
Level 2
Yes
Level 3
Yes
EMV Contact & Contactless
Yes
ACH
ACH Sale
Yes (Paya)
ACH Return
Yes (Paya)
ACH Void
Yes (Paya)
Mobile Check Imaging Capture (Check 21)
Yes (Paya)
Transaction Types
Credit
Yes
Debit with PIN
Yes
Debit w/o PIN (Signature Debit)
Yes
EBT
Yes
EMV Quick Chip
Yes
EMV Terminal Manufacturers
DEJAVOO and INGENICO
Card Verification Only
Yes
Card Tokenization Only
Yes
Fraud Preventions
AVS (Full, Partial)
Yes
CVV2/CVC2/CID
Yes
BIN Blocking (Debit, Credit, Pre-Paid)
Yes
API Integration to Kount for Risk Mitigation (Requires Kount agt)
Yes
3DS Integration to PAAY (Requires PAAY agt)
Yes
GEO Blocking (Infrastructure level)
Yes
Transaction Operations
Sale
Yes
Auth Only
Yes
Capture
Yes
Void
Yes
Return
Yes
Partial Return
Yes
Return with Reference and without Reference
Yes
Verify
Yes
Tokenization Only
Yes
EBT Food Stamp
Yes
EBT Cash Benefit
Yes
EBT Electronic Voucher
Yes
Tip at time of Sale
Yes
Tip Adjustment
Yes
Reversal
Yes
Debit with Cash Back
Yes
Tokenization (TSYS and Tokenex)
Yes
Gateway Features
API – Full RestFul API
Yes
Invoicing Module
Yes
Recurring Invoice module
Yes
Hosted Payment Page (Credit Card and ACH)
Yes
Payment Buttons (Auto generate HTML – CC and ACH)
Yes
Auto Settlement (Host Capture)
Yes
Multi User/Multi Merchant/Multi ISO
Yes
Account number truncation
Yes
Assignable user permissions
Yes
Customer database for recurring billing
Yes
Historical and Data Export
Yes
Settlement Email Notification
Yes
Browser based Virtual terminal
Yes
Statement Soft Descriptor
Yes
Pay by Text (Send invoice via SMS/link)
Yes
Account Updater (Requires TSYS Approval)
Yes
Automatic Sales Tax calculation based on Zip code
Yes
Mobile App – Android and iOS
Yes
Mobile App – Card Present EMV to Dejavoo QD3
Yes
Dejavoo Semi Integration
Yes
Dual Pricing and Surcharge (eComm and Card present)
Yes
Webhooks for ISVs and Merchants
Yes