Payment products
Six payment products. One financial foundation.
Payment products for remittance, payouts, business payments, bills, reconciliation, and agent-initiated payments. Start with the one your team needs today.
Last updated:
Choose the job you need to do
Start with the job in front of you.
The products share one intent model, execution core, ledger and reconciliation engine. Start with a customer payment journey, a provider integration, or reconciliation alongside your existing systems.
- Consumer payments
Flominzo Send
Consumer & remittance payments
See it at work - Payout infrastructure
Flominzo Payouts
Payout routing & execution
See it at work - Business payments
Flominzo Business
Supplier, payroll & bulk payments
See it at work - Bill payments
Flominzo Bills
Bill & service payments
See it at work - Agentic operations
Flominzo Recon
Reconciliation & financial closure
See it at work - Agentic payments
Flominzo AgentPay
Conversational payment initiation
See it at work
Consumer payments
Flominzo Send
Consumer & remittance payments
Bring the sender’s instruction, the recipient’s payout, and the resulting financial evidence into one payment journey. Flominzo Send is the consumer and remittance surface of the shared platform.
- Capture the beneficiary, amount, currency, and intended payout method in one payment intent.
- Follow collection, FX where required, payout, and settlement as connected stages.
- Give operations a traceable record when delivery is delayed or an outcome needs investigation.
SendonlineWhatsApp- You send
- £200.00
- Rate, locked 10 min
- 1 GBP = 15.60 GHS
- Fee
- £1.50
- Mum receives
- GH₵ 3,120.00
- Pay by bankBarclays
- CardVisa •••• 4242
- Paid inDone
- ConvertedDone
- Mobile moneyPaid
Payout infrastructure
Flominzo Payouts
Payout routing & execution
Connect payout providers through a common execution model. Flominzo Payouts separates the instruction to move money from the partner-specific API that carries it out.
- Route execution through the enabled providers and policies agreed for your environment.
- Track each attempt without losing the original payment instruction.
- Investigate an unknown result before deciding whether a retry or another route is safe.
PayoutsonlineWhatsApp- 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
Business payments
Flominzo Business
Supplier, payroll & bulk payments
Organise business disbursements around the people, invoices, and batches your team already works with. Individual payments retain their own execution and financial history.
- Connect supplier payments, payroll, and bulk disbursements to the common financial core.
- Apply the approval and access boundaries agreed for your business workflow.
- Distinguish completed, outstanding, and exception items instead of treating a submitted batch as settled.
BusinessonlineWhatsAppPay all approved invoices due tomorrow, but nothing above £10,000 without asking me.
- Sharma TextilesINV-2231 · ₹85,000.00Approved by Sarah
- Accra WeaversINV-118 · GH₵ 48,000.00Approved
- Kumasi LogisticsINV-77 · £12,400.00Over £10,000
- ₹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
Bill payments
Flominzo Bills
Bill & service payments
Connect bill-payment instructions to the biller’s response, customer receipt, and settlement evidence. Flominzo Bills uses the same intent, execution, and reconciliation model as the other products.
- Identify the service, customer account, amount, and reference before execution.
- Use the validation and receipt capabilities available through the connected biller.
- Track fulfilment and settlement separately so a payment response does not hide a missing service outcome.
BillsonlineWhatsAppAlso put GH₵ 150 on Mum’s electricity meter.
- 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
Agentic operations
Flominzo Recon
Reconciliation & financial closure
Connect the records your systems produce to independent partner and bank evidence. Flominzo Recon gives teams a path from an unexplained difference to an evidence-backed financial decision.
- Start with read-only transaction sources while existing systems keep running.
- Compare payment records, execution events, settlement files, and bank statements.
- Investigate exceptions, retain the reason for each decision, and reopen closure when later evidence requires it.
RecononlineWhatsApp- 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.
- 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.
Agentic payments
Flominzo AgentPay
Conversational payment initiation
Turn a natural-language request into a structured payment instruction. Flominzo AgentPay provides an interaction layer over the same controlled execution path used by the rest of the platform.
- Resolve the requested beneficiary, amount, currency, and purpose into an explicit intent.
- Check the applicable mandate, limits, permissions, and approval requirements.
- Keep payment execution inside deterministic controls; an agent’s recommendation is not financial proof.
Agent PayonlineWhatsAppSend Mum £200 for school fees.
Mobile money, like last time.
- 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.
Inside the operations console
One console for every product.
Teams work exceptions from a queue, see each payment’s operational and financial states side by side, and close a business day only when nothing is left unexplained.
Integration
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