Accept any payment.
Every channel resolves into one payment intent: an app, a web form, an API call, a bulk upload, or an instruction given to an agent.
Agentic payment operating system
Move money. Prove where it went.
Flominzo is an agentic payment operating system that connects payment execution, a financial ledger, and independent reconciliation - from intent to financial closure.
One core for every channel, rail and record
- Mobile apps
- Web
- APIs
- Chat and messaging
- Bulk uploads
- Embedded widgets
- AI agents
- Payout partners
- Collection providers
- Bill services
- Webhooks
- Partner files
- Settlement reports
- Bank statements
The problem
Today, money moves on faith.
A status column says PAID, so everyone assumes the money moved. When a provider's file disagrees, someone finds out at month end, if at all.
- Status overwrittenPROCESSING, then PAID, then FAILED
- Callback never arrivedStill PROCESSING after 3 hours
- API says PAIDThe partner file does not list it
- Paid twiceA timeout was retried
- 23:59 or 00:01?Two teams, two different days
- Reversed after PAIDFound at month end
Four root causes behind every one of them
The database is treated as truth.
One mutable status column decides what happened, and the history is gone.
Provider behaviour leaks into the core.
Every partner becomes a bespoke project with its own codes, retries and files.
Channels own financial logic.
The same payment behaves differently depending on where it started.
Nobody keeps the books.
No ledger says what is held, owed or earned, so small leaks stay invisible.
Our vision
Every payment should end in proof.
No silent loss. No unexplained break. No payment left open without an owner. When money moves, everyone can see what happened, what is still open, and why.
The standard we measure ourselves against
- Zero silent financial losses.Every loss is known, owned and explained.
- Zero unexplained reconciliation breaks.Every break has a class, an owner and an explanation.
- Zero unexplained ledger positions.Every position is reconciled to evidence or carried by an owned exception.
Our mission
Turn every payment intent into financial closure, across any platform.
We give businesses that move money for other people one operating system. It accepts intent from any channel, executes it over any rail, records every consequence, and reconciles it against independent evidence until the payment is reconciled.
Route it anywhere.
One contract for every provider on every rail. A provider's quirks stay inside its adapter, never in your core.
Reconcile everything.
Evidence from every authority is matched against what happened and what was booked, until the payment is reconciled.
Keep the books.
A double-entry ledger records what is held at each provider, what is owed and what is earned, so a leak has somewhere to show.
How it works
One payment, followed to the end.
Every channel, provider and record meets in one financial core, so the same payment can be traced from the first instruction to the last piece of evidence.
“Paid” is only part of the story.
Your app, provider and bank can disagree about one payment. Flominzo keeps every record, and a payment closes only when the evidence agrees.
- Capture the intent
- Control the execution
- Reconcile the proof
Payment TX-20418
Closure open- Instruction
- Recorded
- Provider
- Reported paid
- Bank statement
- Awaited
Products
Six ways in.
One financial foundation.
Start with the work your team needs to do. Every product shares the same intent model, execution core, ledger, and reconciliation engine.
Flominzo Send
Move money for your customers.
Consumer and remittance payment journeys.
Learn more
Flominzo Payouts
Connect your payout providers.
Routing and execution through a common model.
Learn moreFlominzo Business
Run your business payments.
Supplier payments, payroll, and bulk disbursements.
Learn more
Flominzo Bills
Connect payments to services.
Bill instructions, fulfilment, and settlement.
Learn moreFlominzo Recon
Explain where the money went.
Independent evidence, exceptions, and financial closure.
Learn more
Flominzo AgentPay
Turn a request into an instruction.
Conversational initiation within defined controls.
Learn more
Console views are rendered with synthetic data. Compare all products
Agentic payments
Payments, built for agents.
One day with Kwame: money home to his mum, the old way and then in one sentence, a bill for her, his company’s invoices, and the close. The same limits, approvals and evidence govern every step.
SendonlineWhatsApp2Amount and rate
- You send
- £200.00
- Rate, locked 10 min
- 1 GBP = 15.60 GHS
- Fee
- £1.50
- Mum receives
- GH₵ 3,120.00
3PayPayment amount£201.50
- Pay by bankBarclays
- CardVisa •••• 4242
4Track
- Paid inDone
- ConvertedDone
- Mobile moneyPaid
Kwame picks who gets the money and how it arrives, sees the locked rate and the full price, pays, and follows the payment through collection, FX, payout and settlement. Every step lands in one payment record.
Illustrative. Corridors, payout methods, rates and chat channels (WhatsApp included) are agreed for your deployment.
Agent PayonlineWhatsAppSend Mum £200 for school fees.
Mobile money, like last time.
Payment intent
- To
- Ama Mensah · MTN, Ghana
- Rate, locked 10 min
- 1 GBP = 15.60 GHS
- Fee
- £1.50
- Mum receives
- GH₵ 3,120.00
Flominzo checkoutPayment amount£201.50- Pay by bankBarclays
- CardVisa •••• 4242
- Paid inDone
- ConvertedDone
- Mobile moneyPaid
Did it arrive?
Yes. Mum was paid at 14:02, and the partner’s records confirm it.
The same payment, in one sentence. AgentPay works out who, how and how much, asks only what it can’t know, locks the rate, and takes payment in the chat. Underneath, the same core, limits and approvals run it, and “did it arrive?” is answered from evidence.
Illustrative conversation. Chat channels, WhatsApp included, are agreed for your deployment.
14:02 · Behind the chat, the payout is routed and checked.
Payout infrastructurePayouts, routed live
Explore Flominzo PayoutsPayoutsonlineWhatsAppPayout · TX-20418
- To
- Ama Mensah · MTN, Ghana
- Amount
- GH₵ 3,120.00
- Route
- Partner B
Why Partner B? We usually use Partner A for Ghana.
Partner A’s MTN success rate fell to 71% in the last hour, below your 95% policy, so routing chose Partner B.
Partner B then timed out, so the outcome was unknown. Nothing was retried: I asked Partner B for the status instead.
- Status checkPaid 14:02
- Duplicate payoutNone
- Partner fileAwaited
Kwame’s instruction reaches the payout network once. Flominzo routes it through the partners and policies agreed for the business, keeps every attempt against the original instruction, and treats an unknown result as something to check, not something to retry blindly.
Illustrative. Routing follows the rules you configure; the assistant explains decisions and never moves money. Chat channels are agreed for your deployment.
BillsonlineWhatsAppAlso put GH₵ 150 on Mum’s electricity meter.
Biller check
- Service
- Electricity · prepaid
- Meter
- 0412 •••• 7719
- Account name
- A. Mensah
- You pay
- £9.62 (GH₵ 150.00)
Confirm
Paid. The token is 4829 1177 0356 2210 5841, and I’ve sent it to Mum.
- Biller responsePaid
- TokenDelivered
- Biller settlementMatched
Flominzo checks the meter with the biller before any money moves, pays through the connected biller or aggregator, and tracks the service and the settlement separately, so a paid response never hides a missing token.
Illustrative. Validation and receipts depend on each connected biller; chat channels are agreed for your deployment.
16:30 · Back at work: the company’s invoices.
Business paymentsInvoices, on a mandate
Explore Flominzo BusinessBusinessonlineWhatsAppPay all approved invoices due tomorrow, but nothing above £10,000 without asking me.
Due tomorrow · approved
- Sharma TextilesINV-2231 · ₹85,000.00Approved by Sarah
- Accra WeaversINV-118 · GH₵ 48,000.00Approved
- Kumasi LogisticsINV-77 · £12,400.00Over £10,000
Rates locked for 30 minutes
- ₹85,000 at 118.00
- £720.34
- GH₵ 48,000 at 15.60
- £3,076.92
- Total
- £3,797.26
Approve. Hold Kumasi until I’ve checked the delivery.
- Sharma TextilesPaid
- Accra WeaversPaid
- Kumasi LogisticsHeld
Kwame sets the rule once; the agent applies it. Approved invoices are paid to the right supplier, in their currency, at a locked rate, and anything outside the mandate waits for him. Each payment keeps its own execution and history.
Illustrative. Mandates, approval rules, payout partners and chat channels are agreed for your business.
Next morning · The books close, with proof.
Agentic operationsRecon Agent
See how reconciliation worksRecononlineWhatsAppException · API paid, file missing
- Payment
- TX-20418
- Provider API
- Paid 14:02
- Partner file, 23 Sep
- Not listed
The provider says PAID, but the 23 September partner file doesn’t list Mum’s payout.
That file closes at 14:00 and the payout landed at 14:02. It’s in the 24 September file: same reference, same amount.
Recommended resolution
- Action
- Match to the 24 September file
- Evidence
- 2 records attached
Approve.
Recorded your decision. TX-20418 is reconciled, with the evidence and your approval in its history.
An agent that works your exception queue. It correlates evidence across providers, partner files and bank statements, explains what it found in plain language, and recommends a resolution. You approve what happens next.
The Recon Agent never moves money and never changes a state. A person approves every resolution. Chat channels are agreed for your deployment.
Solutions
Built around the way
you move money.
A remittance journey, a seller payout, and a financial close start in different places. Find the combination that fits your workflow.
Remittance companies & fintechs
- One payment reference from quote to payout
- Collection, FX, payout and settlement tracked as stages
- A clear status for the sender, a full record for your team
- Missing or contradictory records investigated in context
Payout platforms & PSPs
- One execution lifecycle across your payout providers
- Every attempt and provider reference kept
- Unknown outcomes checked before any retry
- Routing and retry rules you agree and configure
Marketplaces & gig platforms
- Earnings linked to the orders, fees and adjustments behind them
- Each seller’s payout followed to the recipient
- Returned payments traced back to the right balance
- Paid, outstanding and returned, not just “submitted”
SMEs & enterprise operations
- Supplier, payroll and bulk payments in one workflow
- Your approvals and permissions applied before money moves
- Beneficiary checks before each payment
- Completed, outstanding and exception items kept apart
Bill & service aggregators
- Account and bill reference checked before execution
- Validation and receipts from each connected biller
- Service fulfilment tracked apart from the payment
- Biller and bank evidence compared with your records
Treasury, finance & reconciliation
- Transactions, partner reports and bank statements matched
- Every difference explained before a day closes
- Late records and adjustments handled in the open
- Runs alongside your current process first
Built to be trusted
Trust built into every payment.
AI helps; your controls govern. Agents interpret, investigate and explain. Mandates, permissions, state machines and financial evidence decide what happens to money.
- PCI DSS
- SOC 2
- ISO 27001
- PSD2
- ISO 20022
- GDPR
Frameworks discussed for your deployment. Current assurance scope is confirmed during review.
Explore securityAgents propose,
never executeMandates and limits
on every paymentAppend-only
evidencePeople approve
what moves money
Use cases
See the work, step by step.
- Provider API retirement
A provider retires an API. Your payouts keep moving.
When a payment provider sets a sunset date for its quote, payout, status, or webhook endpoints, the change stays inside one adapter and every response case is proven first.
Read the use case - Reconciliation backlog
Reconciliation breaks stop ageing. Each one closed with evidence.
Mismatches between your ledger, the provider file, and the bank statement are cleared class by class: reproduced, corrected, re-run, and closed with evidence.
Read the use case - Bank statement format change
Your bank changes its statement format. Reconciliation keeps reading it.
When a bank moves from MT940 to ISO 20022 camt.053, or changes fields and cut-off times, the new format is proven against the old one before a day is closed on it.
Read the use case
Questions
A few clear answers.
Understand the platform, the integration, and the controls before you go deeper. Read the documentation or explore the REST API.
What is Flominzo?
Flominzo is an agentic payment operating system that connects payment execution, a financial ledger, and independent reconciliation - from intent to financial closure.
About FlominzoWho is Flominzo for?
Flominzo is designed for remittance companies, fintechs, payout platforms, marketplaces, businesses making supplier or payroll payments, bill-service providers, and finance or treasury teams reconciling those flows.
Find your solutionDo we need to replace our existing systems?
No. Integration starts with the systems you already use. A reconciliation-first deployment can read existing transaction sources and independent evidence while your current workflows keep running. Our technology team maps the connections and validates the first use case with you.
See the integration approachWhat does financial closure mean?
Financial closure means the required payment records and independent evidence have been reconciled, and outstanding differences have been resolved under the agreed rules. A provider’s success response alone is not enough. Later evidence can reopen a closed payment with its history preserved.
Understand financial closureHow does Flominzo use AI?
Agents can help interpret payment requests, investigate exceptions, and explain evidence. Execution stays within the deterministic payment core, with defined mandates, permissions, limits, and approval requirements. An agent’s recommendation does not replace financial proof.
Explore the controlsWhich products and payment rails can we start with?
The six products are Send, Payouts, Business, Bills, Recon, and AgentPay. They share one financial core. Start with the workflow you need; the exact providers, bank or mobile-money rails, digital-money capabilities, markets, and activation scope are agreed for your deployment.
Compare the productsIntegration
Your systems stay.
Flominzo connects them.
No rip and replace. Our team connects Flominzo to what you run today, however legacy or fragmented, and proves one flow with you before anything else changes.
- Integrate once. Every provider sits behind one Rail Adapter contract, so a new provider changes one adapter, never your core. Rail Adapter Contract
- Start alongside what runs today. Reconciliation reads your existing sources and evidence while current workflows keep running.
- Go live one flow at a time. One payment flow or one reconciliation challenge, mapped and validated with you. Explore the REST API