Agency founders

Payment processing built for agency founders.

Your agency bills 40 clients. 18 are on monthly retainer. 12 are performance-fee splits. 10 are project-based. You are running Stripe for retainers, Wave for invoices, and a spreadsheet for rev-share reconciliation. When a client disputes a retainer, Stripe freezes new payouts for 7 days. multiflow consolidates every agency billing stream — retainers, invoices, and performance splits — on one parent ledger with per-client descriptors and one year-end 1099 export.

Rate band for this vertical
5.5 – 6.5% per transaction
+ setup fee · interchange passthrough · ACH at 0.8% capped
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10 – 200 Active clients per parent
$100k – $2M Monthly agency revenue
0.8% ACH rate for retainer invoices

What's costing you money right now

Three pain points
we actually solve.

01 · Pain point

Retainer + one-off + rev-share = 3 systems

Stripe handles retainers, QuickBooks handles invoices, a Google Sheet handles performance splits. Your bookkeeper reconciles three systems every month. multiflow consolidates all three billing types onto one parent with one CSV export.

02 · Pain point

Client disputes freeze all clients

One client disputes a $12k retainer invoice. Stripe pauses payouts for 7 days across every client. Parent-level dispute isolation means one bad client does not stop cash flow for the rest.

03 · Pain point

1099 export is a 3-day manual job

Year-end, your ops person spends 3 days assembling 1099-MISC exports from 3 systems. multiflow's parent ledger generates per-client 1099-compatible totals in one CSV.

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12 questions · no hard pull · underwriter reply in 24-48 hours

We were running Stripe, QuickBooks, and a shared sheet. Our bookkeeper quit. We found multiflow, moved everything to one parent, and the replacement bookkeeper's first month took four hours. Four hours.

Founder
Agency founders 5.5 – 6.5% per transaction 48-client marketing agency · $680k/mo

Partners + acquirers we route through

Stripe (agency-approved) Plaid ACH QuickBooks export Xero export Apple Pay Google Pay

Before you apply

Answers
to the five things you're wondering.

01 Can I bill retainers + hourly + revenue share on one ledger?
Yes. Parent-level recurring billing handles retainers, parent-level invoice billing handles hourly and project work, and parent-level rev-share splits handle performance fees. Each client gets its own descriptor regardless of which billing mode they are on.
02 What about ACH for large retainers?
ACH is supported at 0.8% capped per transaction through Plaid, ideal for retainers above $5k where card interchange would be painful. Mixed ACH + card billing on the same client is supported.
03 Do you handle sub-contractor rev-share payouts?
Yes, via parent-level payout splits. Common agency setup: client pays $10k, 60% to agency, 30% to lead freelancer, 10% to platform fee. multiflow routes the split on settlement — your bookkeeper does not have to manually split.
04 What happens on a dispute?
Dispute isolates to the specific client descriptor. Other clients continue processing normally. Parent-level representment dashboard lets your ops team fight the dispute without pulling from Stripe directly.
05 Is this overkill for a 5-client agency?
Probably yes. multiflow hits ROI around 10+ active clients or $50k/mo in recurring billing. Below that, native Stripe + QuickBooks is usually enough.

Stop leaking money
to a processor that wasn't built for you.

Apply once. Route every brand through one parent ledger. Underwriter-reviewed inside 48 hours. No hard pull, no obligation.

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