Industries we process
Stripe and Square have a list of verticals they don't want to touch. We don't. multiflow consolidates multi-brand processing for operators across every industry — including the ones processors keep freezing.
Agency running 40 creators. 40 payout columns. 40 chargeback queues.
See the playbook →Not content — retail. Adult novelty products sit in a separate underwriting bucket from adult content/subscription platforms.
See the playbook →The hair brand is on Stripe. The skincare is on Square. Color is on Adyen. Finance is on vacation.
See the playbook →Hemp-derived. Legal federally. Still the processor will freeze you.
See the playbook →Your third cohort sold out. Your chargeback rate doubled. Welcome to info-product processing.
See the playbook →CROA compliance + chargeback pressure + processor skittishness. All at once.
See the playbook →Crypto-adjacent businesses need card processing just as much as pure-crypto ones. Most processors won't touch either. We underwrite the difference.
See the playbook →FTC rules tight. Processor appetite narrow. Customers can't always pay on time.
See the playbook →You operate a licensed dispensary and a portfolio of compliant-ancillary brands. Card processing lives on the ancillary side — cannabis itself stays cash.
See the playbook →Fantasy sports sits in the gray zone between gaming and skill. Your processor either understands the state patchwork or keeps shutting you off when a deposit spikes.
See the playbook →Optics on brand A. Mounts on brand B. Training on brand C. Three dashboards, same ATF.
See the playbook →Pre-workout brand #2 just got a "supplement facts review" email from Stripe.
See the playbook →DEA watches it. Six states ban it. You still have to run the business.
See the playbook →The beard-care brand is Stripe. The hair-loss brand is on a high-risk acquirer. Good luck reconciling.
See the playbook →Processor risk teams see "MLM" and reach for the shutdown button. We know the difference between compliant structures and Ponzi-flavored ones — and we underwrite accordingly.
See the playbook →Racetams on brand A. L-Theanine on brand B. The acquirer sees one big "portfolio."
See the playbook →Third merchant this year. Same answer: "portfolio risk concentration."
See the playbook →When the third account got frozen, you knew the dashboard juggling was the problem.
See the playbook →The dog-joint brand is fine. The cat-calming brand is fine. Then one quarter both are on reserve.
See the playbook →You've shopped 11 processors. None of them wanted the vertical.
See the playbook →Four skincare brands, four demographics, one reconciliation nightmare.
See the playbook →Monthly boxes, 15% churn, 4% chargeback ratio. Same every quarter.
See the playbook →Telemed platform + compound partner + patient portal + billing. Three systems, one ledger.
See the playbook →Telehealth script → compound pharmacy → subscription. Four dashboards.
See the playbook →PMTA decision, FDA policy, state bans, processor skittishness. Any one of these can kill you.
See the playbook →The GLP-1 brand → prescription vertical. The coaching brand → course vertical. The meal plan → subscription. Same parent?
See the playbook →Fertility brand → Stripe review. Menopause brand → reserve held. Why?
See the playbook →Talk to an operator
Human reply within 2 business hours. No chatbot.