Payout platforms & PSPs
Payout infrastructure for platforms and PSPs. Many providers, one proven outcome.
Flominzo gives payout platforms and PSPs one payout lifecycle across providers, unknown outcomes resolved by lookup, and every payout reconciled to cash.
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Discuss your payoutsWhat Flominzo does for payout platforms and PSPs
Flominzo is payout infrastructure for payout platforms and payment service providers: one payout lifecycle over the providers you connect, with every attempt recorded, unknown outcomes resolved by lookup, and every payout reconciled to settlement and bank evidence. It gives PSPs agentic payments with 100% reconciliation without replacing the providers you already use.
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? When you run several providers for resilience and reach, those questions multiply, and so do the settlement files your finance team has to match.
The problems payout platforms run into
- Provider sprawl: every new provider brings its own statuses, webhooks, and file layout, and provider-specific code spreads through your core.
- A timeout is treated as a failure, the payout is resent, and the recipient is paid twice.
- Webhooks arrive late, twice, or out of order, and the last update overwrites the history of what happened.
- Settlement files and bank statements disagree with API statuses, and the breaks surface at month end.
- A merchant or partner asks why their balance moved, and the answer is not traceable line by line.
- Traffic fails over to a second provider before anyone knows whether the first one paid.
How Flominzo fits
Flominzo separates the instruction to pay from the provider-specific API that carries it out, so your platform describes a payout once and every provider is measured against the same lifecycle.
| The job | Flominzo product |
|---|---|
| Run one payout lifecycle across every provider you connect | Flominzo Payouts |
| Resolve an unknown outcome by status lookup before any retry or reroute | Flominzo Payouts |
| Match API claims, settlement files, and bank statements | Flominzo Recon |
| Explain each merchant or partner position with its evidence | Flominzo Recon |
| Connect a new provider without touching the core | Rail Adapter Contract |
Flominzo is connected through rail adapters to the providers you use; rails, markets and activation are agreed for your deployment.
Flominzo is software. It instructs your licensed providers and banks and proves what they did; it does not hold customer funds. Your licences, merchant agreements, and compliance programme stay with you.
100% reconciliation across providers
100% reconciliation means every payment 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.
For a PSP, that includes the cases that usually hide: a payout claimed paid with no settlement line, a callback that never arrived, two provider references for one attempt, and a payout reversed after it was reported paid. Each becomes an owned exception with the original evidence attached, instead of a line someone finds weeks later.
See every exception typeWhat each team sees
Every team works from the same payout record, whichever provider carried the payment.
- Operations
- Open exceptions by provider and type, with the original callback, file line, or statement entry attached.
- Finance
- Merchant and partner positions reconciled to settlement and cash, with every adjustment and its reason kept.
- Support
- A payout’s true state across attempts and providers, so a merchant hears what actually happened.
Markets
Payout platforms rarely stay in one market. These pages cover the local rails, statement formats, and regulators Flominzo works with.
Agentic payouts with AgentPay
AgentPay can sit in front of your payout flow for operators or client applications. A request in plain language becomes an explicit payout instruction that passes the same mandates, limits, and approvals as an API call, and an agent never executes on its own.
AgentPay early-bird: $3,999 setup + $999 a month, for the first 20 customers, with integration by the Flominzo team included.
Explore AgentPay pricing Claim an early-bird placeWhere to start
Connect a first provider and test success, rejection, duplicate delivery, delayed callbacks, and unknown outcomes before enabling additional routes.
- Map: agree payout references, provider identifiers, amounts, currencies, and the settlement files each provider delivers.
- Run alongside: reconcile a representative financial day next to your current process, including late callbacks and returns.
- Expand: add providers, routes, and payout methods once the agreed checks are met.
Questions
Do we have to move our payouts onto Flominzo to reconcile them?
No. Recon can start with read-only access to your transaction records and the provider and bank evidence around them. Execution through Flominzo Payouts can come later.
How does Flominzo prevent duplicate payouts?
Every attempt carries an idempotency key, and an unknown outcome is resolved by a status lookup, settlement evidence, or a recorded human decision, never by sending the payout again. Read duplicate payouts and unknown status.
Can we route between providers?
Yes. Routing follows the policies agreed for your environment, for example by corridor, balance, cost, or provider health. An unknown result is investigated before any reroute is considered safe.
Is there a public sandbox?
No. API access and credentials are provisioned as part of an integration, and a pilot runs on your own records so the result reflects your providers and files.
Go deeper
Let’s make it specific to you.
Bring your systems, payment flows, and questions. We’ll help define the next step.
Talk to the team