multiflow vs. Soar Payments

Most high-risk ISOs keep pricing behind a "contact us" form and quote a custom rate after reviewing your application. Soar publishes rate ranges on their website by vertical. That makes them easy to compare against and easy to recommend. Their typical effective rate on nutra, CBD, and coaching: 3.25-4.25% all-in.

multiflow's pricing discipline is similar. We publish our orchestration rate (5.5–7.5% per txn, volume-tiered) and a flat one-time setup fee. The combined stack (Soar-placed acquirer + multiflow orchestration on top) lands around 9–12% all-in for mid-volume operators — interchange passes through to your acquirer, we charge the orchestration layer on top.

You're in a vertical Soar underwrites (nutra, CBD, peptides, coaching, vape, credit repair) and you need a straightforward merchant account with clear pricing. Soar gets you there in 2-7 days with minimal surprise.

If your vertical is outside Soar's comfort zone (adult, firearms-adjacent, anything with prior MATCH), look at Durango or HighRiskPay instead. Soar is selective.

Once you're placed via Soar (or any clean ISO) and you hit 3+ brands, the operator pain shifts from "can I get approved?" to "how do I run this cleanly across 4 brands?" That's the multiflow value prop — not replacing Soar but operating the multi-brand layer on top of whatever acquirer Soar placed you with.

Commonly the first 6-12 months of an operator's life uses Soar's placement + their acquirer's portal directly. Once brand #3 and #4 launch, the tab-surfing across acquirer portals becomes the drag, and multiflow compresses that back to one pane of glass.

Soar typically places merchants on Authorize.net or NMI gateways — clean integrations, wide ecosystem support. Works fine for most operators.

multiflow is gateway-agnostic. We'll use Stripe, Authorize.net, NMI, or a custom gateway depending on what your integration requires. Often operators come to us on Authorize.net (via Soar) and stay there — we add orchestration without swapping the gateway.

If you're currently happy on Soar and just want multi-brand consolidation: keep Soar, add multiflow on top. We work with your existing acquirer.

If you're unhappy with Soar's specific acquirer (long payout delays, heavy reserves) and want to switch: that's a different project — re-underwriting at a new acquirer. We can help source, but expect the same 2-7 day timeline to place the new account before multiflow lights up.