Plans

Three tiers.
One parent account.

Every plan includes the full multiflow stack — per-brand billing descriptors, consolidated reporting, affiliate + coupon attribution, auto-reconciled payouts. Stripe, Square, and Authorize.net interchange stays on your merchant account. We handle the operator overhead on top.

8→1Processor dashboards finance opens
4→1Chargeback queues ops monitors
6hr→0Monday reconciliation labor
48hrTypical underwriting decision

Starter

1 – 5 brands

7.5% per txn

+ setup fee

Up to 5 sub-entities
Per-brand descriptors
Interchange passed through
Apply
Most operators

Portfolio

6 – 40 brands

6.5% per txn

+ setup fee

Up to 40 sub-entities
Interchange passed through
Daily payouts + Slack ops
Apply now

Network

40+ or marketplaces

5.5% per txn

+ setup fee

Unlimited sub-entities
Interchange passed through
Dedicated success engineer
Talk to us

Volume scales the rate

Higher volume. Lower rate. Automatically rebated.

7.5% Under $250k/mo Starter tier entry rate
6.5% $250k – $2M/mo Portfolio sweet spot
5.5% $2M+/mo Network tier, auto-rebated

If your volume grows past a tier mid-year, we rebate the delta quarterly — the rate tracks your actual run-rate, not your quote.

How pricing actually works

Your processor charges interchange.
We charge the operator overhead.

Passthrough to your acquirer

Interchange + per-txn fees

Unchanged on multiflow. Same rates your acquirer already publishes — we don't mark them up.

  • Interchange 1.65% – 2.60%
  • Network assessments 0.13% – 0.15%
  • Processor margin 0.05% – 0.30%
+
multiflow orchestration

5.5% – 7.5% per transaction

What you pay us on top. Volume-tiered — higher volume drops the rate. Set at underwriting.

  • one-time setup fee
  • No monthly minimums
  • Volume discounts rebate quarterly

Per-txn rate locks after underwriting based on your volume, vertical, and chargeback history — typically within 48 hours.

Plan comparison

Features across every tier.

FeatureStarterPortfolioNetwork
Per-transaction rate7.5%6.5%5.5%
One-time setupSetup feeSetup feeSetup fee
InterchangePassthroughPassthroughPassthrough
Sub-entitiesUp to 5Up to 40Unlimited
Per-brand billing descriptors✓✓✓
Consolidated reporting✓✓✓
Apple Pay / Google Pay per brand✓✓✓
Affiliate + coupon attributionBasicFull cross-brandFull cross-brand
Chargeback dispute queueStandardConsolidatedConsolidated + AI-assist
Payout cadenceWeeklyDaily + customDaily + custom
Dedicated ops channel—Slack ConnectSlack + dedicated SE
Custom routing config——✓
White-label sub-portals——✓
Webhooks into ops stackStandardFullFull + custom events
SSO (SAML, OIDC)——✓
Underwriting SLA48 hours24 hours24 hours + priority queue
Support SLA24 hours4 hours1 hour
Quarterly business review——✓

Every plan includes

The non-negotiable baseline.

SOC 2 + PCI-DSS scope

Minimal scope at multiflow. Your processor's PCI Level 1 covers card data.

99.95% uptime SLO

Active-active across AWS regions. Service credits below 99.9% monthly.

Per-entity audit log

7-year retention. SIEM-forwarded. Required for enterprise compliance.

Signed webhooks

HMAC-SHA256 on every parent → sub-brand handoff with idempotency.

MFA + WebAuthn

Required on every operator login. Hardware key support for privileged.

US data residency

Default. EU mirror on request for enterprise + regulated customers.

Not included

Honest about what we don't do.

We're the orchestration layer. Six things explicitly stay outside our scope — here's who owns each one instead.

Your acquirer

Card acquiring

Your acquirer underwrites and holds the merchant account — we orchestrate above them.

You + acquirer

Chargeback guarantees

We consolidate the data and surface reason codes; outcomes stay with you and the acquirer.

Your counsel

FTC / FDA compliance

Your catalog, your counsel. We're not lawyers; nothing here is legal advice.

Radar · Kount · Signifyd

Fraud engine

We integrate with the specialist fraud stack you pick — we don't build our own or replace theirs.

HubSpot · Customer.io

CRM replacement

We webhook into the CRM you already run — no duplicate customer database to maintain.

Square Native POS

Card-present POS

Online and mixed volume only. Pure card-present retail belongs on Square Native POS.

FAQ

Pricing questions.

How is the 5.5%–7.5% rate determined?
Your per-transaction rate is set at underwriting based on three inputs: monthly volume, vertical risk profile, and chargeback history. Higher volume and cleaner history → closer to 5.5%. Lower volume or higher-risk verticals → closer to 7.5%. The rate is locked in your agreement and rebates quarterly if your volume grows past the tier threshold.
Do we pay interchange on top of your 5.5%–7.5%?
Yes. Interchange is a card-network fee — nobody absorbs it. Your acquirer (Stripe, Square, Authorize.net) charges interchange as they always have, passed through on every transaction. multiflow's per-txn rate is the orchestration layer on top. We don't mark up interchange.
What's the setup fee for?
One-time, covers: parent account configuration, per-brand descriptor setup, Apple Pay/Google Pay domain registration across brands, webhook wiring, Slack Connect room, and a dedicated implementation engineer for the 10-day onboarding. Invoiced after underwriting approval, before first go-live.
Is there a monthly minimum?
No monthly minimum. If you process $0 in a month, you owe $0 in multiflow fees that month. The 5.5%–7.5% only applies to transactions that actually clear.
How long is the contract?
Annual agreement with 90-day termination notice. No hidden auto-renewal — renewal terms are disclosed 60 days before end of term and rate re-negotiation is automatic if your volume has changed tier.
What if our volume grows past our quoted tier?
Automatic rebate. If you quoted in at 7.5% and process enough volume to hit the 6.5% band, we rebate the delta quarterly. We don't wait for renewal — the rate tracks your actual volume.
What if underwriting declines us?
No fee for declined applications, no setup fee charged. We tell you straight why — and what would change it (different acquirer, structural changes, volume history) — even if the answer is "not us, not yet."
Do you do custom pricing for enterprise?
Yes. The Network tier (40+ brands) is fully bespoke — sub-5.5% rates are available for operators clearing $5M+/month with clean history. Enterprise contracts include quarterly business reviews to make sure we're earning what we're charging.

Ready to see your quote?
12 questions, 48-hour answer.

Start your application Talk to an underwriter

The Operator Briefing

Twice-monthly. No fluff.

Processor shutdowns, reserve-hold playbooks, reconciliation lessons, and the merchant-account decisions that save operators six-figure years. Delivered to your inbox — never spam.

No spam. Unsubscribe in one click.

We use essential cookies · Privacy