multiflow vs. Durango

Most multiflow operators who came through high-risk processing have some Durango history. Durango placed them with an acquirer (Elavon, Chesapeake, Esquire, Evolve, etc.) and that relationship runs to this day. What Durango doesn't do is operate the ongoing multi-brand layer. Each of your brands gets its own merchant account, its own reconciliation, its own dispute queue, its own descriptor management.

multiflow doesn't replace Durango. We don't source acquirers — Durango is better at that, and if you're just starting and need a placement, call them first. What multiflow does is sit above whichever acquirer you end up with and consolidate the operations across all your brands running through that acquirer.

You're just starting out and you don't have a merchant account yet. Durango's job is to find you an acquirer that will take your vertical. They're good at it. They know which banks underwrite peptides vs. which prefer nutra vs. which take firearms accessories. That specialty relationship-building is Durango's core product.

Come to multiflow after Durango places you. You'll have operations across the brands routed through that acquirer, and we make the multi-brand piece clean.

You've been processing for 12+ months on Stripe / Square / PayFac and you're hitting the multi-brand wall. You don't need placement — your current processors technically work, they're just painful across multiple brands. In that case, the hard work isn't finding an acquirer; it's operating across the brands you already have.

multiflow handles that case directly. We'll route your volume through an existing acquirer or find one that works (via our partner network), and the operator experience is multi-brand from day 1.

Durango's compensation is acquirer-side: they earn residuals on the merchant account they place. You don't pay Durango directly (usually). You pay the acquirer, and the acquirer pays Durango a residual.

multiflow charges 5.5%–7.5% per transaction (volume-tiered) plus a one-time setup fee. That's on top of whatever interchange your acquirer charges — we don't mark interchange up. For operators routed through a Durango-placed acquirer, both models coexist: Durango earns their residual from the acquirer; multiflow earns its orchestration rate from you.

Durango operator: you log into your acquirer's merchant portal (which varies by acquirer — Elavon is one UI, Chesapeake another, Esquire another). You get a separate portal per MID. Chargebacks come via email from the acquirer. Reconciliation means pulling per-MID statements.

multiflow operator: one dashboard across every brand routed through the parent MID. Chargebacks in one queue. Reconciliation as a single monthly export. Calendly-linked strategy calls for onboarding. Dedicated Slack channel for support.