Franchise networks

Payment processing built for franchise networks.

Your franchise network has 40 to 2,000 locations. Each franchisee runs their own Stripe or Clover or Square. Royalty reconciliation is a weekly nightmare. One franchisee gets flagged and corporate gets pulled into the acquirer conversation. multiflow consolidates every location onto one parent acquirer relationship with per-franchise descriptors, automatic royalty splits on settlement, and corporate-level reporting that rolls every location up by region, brand, or cohort.

Rate band for this vertical
4.5 – 6.0% blended rate
+ setup fee · volume pricing above $5M/mo · interchange passthrough
See your rate
See your rate Talk to a franchise operator
40 – 2,000 Locations per parent ledger
48 hours New franchisee onboarding SLA
Auto-split Royalty capture on settlement

What's costing you money right now

Three pain points
we actually solve.

01 · Pain point

200 franchisees = 200 merchant accounts

Every new location opens a new merchant file with the processor. Onboarding takes 2-3 weeks per location. multiflow opens sub-descriptors under the parent in 48 hours — new franchisees start processing the day they sign.

02 · Pain point

Royalty calc is a manual spreadsheet

Every week, corporate accounting pulls 200 settlement reports, calculates the royalty percentage, and invoices each franchisee. multiflow automates the split on settlement — royalty lands in corporate's bank the moment the charge settles.

03 · Pain point

PCI compliance audit per location

Each franchisee's merchant account carries its own PCI attestation obligation. Corporate inherits liability when franchisees miss audits. Parent-level PCI scope centralizes compliance and lowers franchisee audit burden.

See your rate Get an instant rate quote

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

We were onboarding franchisees in 3-week windows because of merchant underwriting. multiflow cut that to 48 hours. 40 new locations this year, zero payment onboarding delays.

COO
Franchise networks 4.5 – 6.0% blended rate 180-location food franchise · $14M/mo

Partners + acquirers we route through

Enterprise acquirer Clover / Square POS integration Apple Pay Google Pay SOC 2 Type II PCI-DSS Level 1

Before you apply

Answers
to the five things you're wondering.

01 Can we keep franchisees on their existing POS?
Yes. multiflow is the payment rail, not the POS. Clover, Square, Toast, Lightspeed, custom — we route card acceptance through the parent acquirer and settle to the franchisee descriptor. Hardware stays exactly where it is.
02 How does royalty split-on-settlement work?
On every settlement batch, multiflow splits the payout: royalty % to corporate, balance to franchisee bank. No more weekly invoicing. Both sides see the split on their reconciliation report within hours of settlement.
03 What about franchise disclosure / state filings?
multiflow stays outside FDD / franchise disclosure scope. We are the payment rail; franchise legal operates above us. We do provide the processing data that some states require franchisors to report annually.
04 Can we enforce pricing / royalty rates per location?
Yes. Parent-level config controls royalty % per franchisee cohort. Different regions can carry different splits. Franchisees cannot override the split — it enforces on settlement.
05 What volume makes sense for franchise networks?
Clear ROI above 20 locations or $500k/mo aggregate. Above 100 locations, the onboarding speed + reconciliation consolidation + royalty automation become the whole reason to move.

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.

See your rate Talk to a franchise operator

Or browse all 15 operator personas · See pricing · How it works

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