Payment solutions by market. And by the business you run.

Where Flominzo fits

Flominzo gives payment businesses agentic payments with 100% reconciliation. Your team, or an AI agent working inside the mandates and limits you set, turns a request into a controlled payment instruction. Flominzo executes it through the providers you already use and then proves what happened.

100% reconciliation means every payment is matched or explained, with evidence: it ends either matched against independent evidence - the provider’s records, the settlement file and the bank statement - or as an open exception with an owner and a reason. None is silently assumed paid.

You can come in from three directions: the market you operate in, the kind of business you run, or the specific problem in front of you. Each path leads to the same shared core, so a remittance company in the UK and a payout platform in India start from different pages but end up with the same evidence-backed financial closure.

By market

Every market has its own rails, statement formats, and regulators. These pages describe what reconciling each local rail involves and where a first flow usually starts. Flominzo is connected through rail adapters to the providers you use; rails, markets and activation are agreed for your deployment.

Remittance companies & fintechs

A transfer can involve a collection provider, an FX step, and a different payout partner. The sender needs a clear status, while your operations team needs to know which stage is complete and which still needs evidence.

Use Flominzo Send for the customer journey, Flominzo Payouts for the enabled payout routes, and Flominzo Recon to connect execution with settlement evidence. Keep one payment reference across the flow and investigate missing or contradictory records in context.

A practical starting point

Start with one corridor and payout method. Agree the quote, beneficiary, status, and settlement records before expanding coverage.

Payout platforms & PSPs

Each provider has its own request shape, callback vocabulary, and failure modes. A timeout creates an operational question: did the request fail, or did money move without a response?

Use Flominzo Payouts to map providers into a common execution lifecycle and Flominzo Recon to verify what happened afterward. Preserve each attempt and provider reference, check unknown outcomes, and apply the agreed routing and retry controls.

A practical starting point

Connect a first provider and test success, rejection, duplicate delivery, delayed callbacks, and unknown outcomes before enabling additional routes.

Marketplaces & gig platforms

Seller and contractor earnings must stay connected to the orders, commissions, and adjustments that created them. A submitted payout batch alone does not tell you who has been paid or what is still outstanding.

Combine Flominzo Business with Flominzo Payouts to organise disbursements and follow each recipient’s execution. Use Flominzo Send where the customer journey includes a remittance flow, and reconcile the resulting ledger and settlement evidence.

A practical starting point

Map the earning, fee, adjustment, and payout references for one seller or contractor flow, including what happens when a payment is returned.

SMEs & enterprise operations

Supplier, payroll, and other business payments often span spreadsheets, ERP records, and several banking interfaces. Finance needs a connected view without abandoning the systems that already run the business.

Use Flominzo Business to organise disbursements and Flominzo Recon to check the financial outcome. Where conversational initiation is useful, Flominzo AgentPay can structure a request while the same permissions, limits, and approval requirements govern execution.

A practical starting point

Begin with one supplier or payroll workflow. Agree source records, approvals, beneficiary checks, and the evidence required to close each payment.

Bill & service aggregators

A customer may pay while the service receipt or prepaid token is still missing. Aggregators need to distinguish payment execution, service fulfilment, and the biller’s final settlement.

Use Flominzo Bills to connect the customer account and bill reference with the biller’s supported validation and receipt capabilities. Flominzo Send can provide the payment journey, while Flominzo Recon compares biller and bank evidence with your own records.

A practical starting point

Connect one biller and service type. Test invalid accounts, pending fulfilment, delayed receipts, reversals, and settlement mismatches.

Treasury, finance & reconciliation

Payment records, partner reports, and bank statements can arrive at different times and disagree. Teams need to explain each difference before declaring a financial day or payment closed.

Start with Flominzo Recon alongside your existing execution systems. Connect transaction sources, statements, and settlement records; investigate exceptions with their original evidence. Add Flominzo Business where payment initiation also belongs in the same workflow.

A practical starting point

Run reconciliation in parallel with your current process for a representative financial day, including late records and adjustments.

By need

If you already know the problem you want to solve, start with the page written for it.

Use cases

Use cases show how Flominzo handles a recurring operational situation step by step. They describe how the platform and our technology team work, not a named customer’s results.

Your systems stay. We handle the integration.

Legacy platforms, internal services, partner APIs, and file-based processes can remain part of your environment. Our technology team maps the connections and helps you validate a first use case before expanding the scope. The exact providers, markets, approvals, and available capabilities are agreed during integration.

How it is priced

A deployment usually starts with a pilot on one flow and your own records, then moves to a platform agreement sized to your volume, rails, and markets.