Holding companies

Payment processing built for holding companies.

You own a portfolio: a sleep brand, a coffee brand, a hair loss clinic, a SaaS, a course business, three DTC apparel labels. Each one has its own LLC, its own Stripe, its own tax ID, its own chargeback history. Your CFO cannot close a month without seven settlement CSVs. multiflow gives you one parent acquirer relationship, per-LLC descriptor routing, and a single audit-clean ledger that every one of your entities rolls up into.

Rate band for this vertical
5.0 – 6.5% blended rate
+ setup fee · interchange passthrough · volume discounts above $1M/mo
See your rate
5 – 50 Entities per parent account
$500k – $10M Monthly portfolio volume
1 CSV Month-end close reconciliation

What's costing you money right now

Three pain points
we actually solve.

01 · Pain point

12 processors, 12 reconciliations

Every portfolio company has its own Stripe or Square account. Month-end = 12 settlement CSVs, 12 fee schedules, 12 chargeback tabs. multiflow consolidates to one parent reconciliation with per-entity rollups — close the month in hours, not days.

02 · Pain point

No portfolio-level fee negotiation

Stripe negotiates rates per merchant. Your $400k/mo supplement brand and your $80k/mo apparel brand each pay generalist pricing. Parent-level processing means one aggregated volume number — $3M/mo across the portfolio unlocks specialty acquirer pricing none of the entities could access alone.

03 · Pain point

Chargeback contamination across LLCs

Even legally separate LLCs can trigger cross-entity acquirer reviews when they share beneficial ownership. multiflow keeps chargeback ratios scoped per descriptor and surfaces aggregate exposure at the parent for your audit team.

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


Fourteen LLCs, one parent ledger. Our controller closes the month in one day now instead of five. multiflow paid back its setup fee in the first quarter just in finance-team hours saved.

CFO
Holding companies 5.0 – 6.5% blended rate 14-entity holding co · $3.8M/mo

Partners + acquirers we route through

Specialty acquirer (multi-MCC) Apple Pay Google Pay Plaid ACH SOC 2 audit data room QuickBooks / NetSuite export

Before you apply

Answers
to the five things you're wondering.

01 Do the LLCs stay legally separate?
Yes. multiflow consolidates acquirer routing and reconciliation, not legal entities. Each LLC keeps its own tax ID, its own bank, its own bookkeeping. Descriptor + settlement attribution keeps the money flowing to the correct entity.
02 Can we consolidate entities on different acquirers?
Yes, though the biggest wins come from routing all entities through one parent acquirer. Mixed-acquirer portfolios still benefit from consolidated reporting and per-brand descriptors, but fee negotiation leverage is strongest when volume aggregates.
03 What about entity-level chargeback ratios?
Tracked per descriptor, surfaced at the parent. If one entity spikes, we isolate its routing so the rest of the portfolio stays clean. multiflow's ops dashboard flags early warning ratios (above 0.6%) before acquirer audits kick in.
04 Does this work across industries in the same portfolio?
Yes, assuming the parent acquirer approved each vertical. Common multi-vertical portfolios: supplements + CBD + SaaS + coaching, or peptides + research tools + telehealth. We walk through the MCC map during underwriting.
05 What volume makes sense?
Holding companies see the clearest ROI above $500k/mo aggregate portfolio volume. Below that, the finance-team-hours savings are real but the rate negotiation leverage is thinner.

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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