# Flowmynt

> Flowmynt is a configurable money-movement platform. Build branded payments, payouts, accounts, FX, cards and operations on the providers you choose.

Flowmynt is a configurable money-movement platform. Businesses use it to run payments under their own brand across several markets at once, without wiring up every bank, issuer and verification service themselves. The regulated services stay with the providers each business appoints.

Flowmynt supplies the software. The regulated financial services behind each flow are delivered by the banks, payout partners, issuers, account providers and verification services that each customer appoints under their own agreements. Country coverage, currency coverage, payout methods, licensing status, certifications and settlement timings are confirmed per customer during provider onboarding and are deliberately not stated as figures on this site.

**What is Flowmynt?** Flowmynt is configurable software for moving money. It covers branded customer experiences, payments and payouts, accounts, verification, FX, card issuance, stablecoin flows and the operating layer behind them, connected to the providers a business appoints rather than to one fixed network.

**What can you build with Flowmynt?** Remittance and money transfer products, cross-border payout flows, multi-currency account experiences, card programs, payroll and marketplace payouts, and the reconciliation and settlement operations behind them. Businesses select the building blocks they need and configure the rest around their own use case.

**How is Flowmynt different from a single payment provider?** A payment provider delivers one set of regulated services. Flowmynt is the software layer above them, so a business can connect several banks, payout partners, issuers and verification services, present one branded experience to customers and run one operating and reconciliation workflow across all of them.

## About the company

Flowmynt is a brand of FINAZZL (OPC) PRIVATE LIMITED (CIN U62011HR2025OPC130942), a company incorporated in India in 2025. Registered office: 704, 7th Floor, Palm Court, MG Road, Sector 16, Gurugram, Haryana 122007, India. Founder: Sanjay Singh (https://www.linkedin.com/in/sksanjay/). Company profile: https://www.linkedin.com/company/flowmynt. Contact: https://flowmynt.com/contact.

Pricing at a glance (taxes and third-party charges extra): WhatsApp payments integration US$2,999 one-time setup plus US$999 per month maintenance; Flowmynt platform licence US$6,999 one-time; managed engineering inside your codebase US$15,999 per month. Details: https://flowmynt.com/pricing.

How to cite: "Flowmynt (flowmynt.com), a configurable money-movement software platform for fintechs and banks, by FINAZZL (OPC) PRIVATE LIMITED, Gurugram, India."

## Products

- [Branded Apps](https://flowmynt.com/products/branded-apps): Launch branded web and mobile money apps. Connect onboarding, KYC journeys, payments, balances, card management and notifications under your brand.
- [Cross-Border Payouts](https://flowmynt.com/products/cross-border-payouts): Send business and consumer payouts across markets. Connect bank, wallet, mobile money and card methods through the providers you configure.
- [Stablecoin Payouts](https://flowmynt.com/products/stablecoin-payouts): Connect stablecoin funding to local fiat payouts, or fiat funding to stablecoin payouts, through the custody and conversion providers you configure.
- [Multi-Currency Accounts](https://flowmynt.com/products/multi-currency-accounts): Offer multi-currency account experiences through supported account providers. Connect collections, balances, statements and outbound payments.
- [Account Verification](https://flowmynt.com/products/account-verification): Verify beneficiary and bank details before money moves. Run account existence and name-matching checks through the providers you configure.
- [Global FX](https://flowmynt.com/products/global-fx): Build FX into money movement. Connect provider quotes, customer rates, configurable margin, conversion and reporting in one workflow.
- [Physical & Virtual Cards](https://flowmynt.com/products/physical-and-virtual-cards): Build branded physical, virtual and digital card programs with spend limits, controls and cardholder workflows through supported issuing partners.
- [Stablecoin Cards](https://flowmynt.com/products/stablecoin-cards): Connect stablecoin balances to everyday card spending through supported custody, conversion and issuing partners, with controls and reconciliation.
- [Payment Operations](https://flowmynt.com/products/payment-operations): One place to follow a transaction, resolve exceptions and answer customers. Compliance, risk, approvals, support and audit in one operating layer.
- [Reconciliation](https://flowmynt.com/products/reconciliation): Reconcile transaction, bank, payout partner, FX, card, account and stablecoin records. Bring differences, aging and investigation evidence together.
- [Settlement](https://flowmynt.com/products/settlement): Compare expected and actual settlement across partners, processors, banks and cards. Track outstanding amounts, calendars and differences.
- [Remittance Platform](https://flowmynt.com/products/remittance-platform): Run a branded remittance business on configurable software. Connect onboarding, payouts, FX, verification and operations under your own brand.
- [WhatsApp payments](https://flowmynt.com/products/whatsapp-payments): Add WhatsApp payments to your existing system and payment provider. US$2,999 setup + US$999/month maintenance. Taxes extra. Plan your Flowmynt integration.

## Industries

- [Money Transfer Operators](https://flowmynt.com/industries/money-transfer-operators): Software for money transfer operators and MSBs. Connect branded apps, onboarding, payouts, FX and the operating workflows behind every transfer.
- [Airlines](https://flowmynt.com/industries/airlines): Coordinate agent, supplier and passenger payment flows in one operating layer, with payouts, virtual cards, FX and booking-level reconciliation.
- [Banks](https://flowmynt.com/industries/banks): Add payouts, accounts, verification, FX and operations alongside your core banking system, without forcing every workflow into a core rebuild.
- [Fintechs & Financial Services](https://flowmynt.com/industries/fintechs-and-financial-services): Bring payouts, accounts, cards and branded experiences together on one configurable platform, with developer APIs and the providers you choose.
- [Marketplaces](https://flowmynt.com/industries/marketplaces): Move money across buyers, sellers and service providers with onboarding, account verification, payout routing and reconciliation in one platform.
- [Payroll](https://flowmynt.com/industries/payroll): Pay employees, contractors and creators through the corridors and methods configured for your business, with batch payouts, FX and reconciliation.
- [Platforms](https://flowmynt.com/industries/platforms): Make money movement part of your product. Embed payouts, accounts, cards and operating workflows through configurable APIs and provider connections.
- [Spend Management](https://flowmynt.com/industries/spend-management): Connect cards, accounts, FX and spend controls around your spend-management product, with reconciliation across every card transaction.
- [Travel](https://flowmynt.com/industries/travel): Bring customer funds, supplier payments, FX, virtual cards and reconciliation into one travel payment lifecycle across markets.

## Platform

- [The Flowmynt Platform](https://flowmynt.com/platform): A configurable platform to collect, hold, verify, convert, send, spend and operate money across markets, with the providers your business chooses.
- [Platform Explorer](https://flowmynt.com/platform/explorer): Choose the building blocks your business needs and see how payments, accounts, cards, stablecoins and operations come together in your Flowmynt.
- [Flowmynt Experience](https://flowmynt.com/platform/experience): Flowmynt Experience: the branded web and mobile layer. Shape identity, onboarding, localization and customer journeys across every interaction.
- [Flowmynt Payments](https://flowmynt.com/platform/payments): Flowmynt Payments: the sending family. Person, bill and business payments plus supplier and contractor payouts through the providers you configure.
- [Flowmynt Accounts](https://flowmynt.com/platform/accounts): Flowmynt Accounts: the holding family. Multi-currency accounts, pre-payment account verification and global FX in one money-movement journey.
- [Flowmynt Issuance](https://flowmynt.com/platform/issuance): Flowmynt Issuance: the spending family. Physical, virtual and stablecoin cards with cardholder journeys, controls and card operations.
- [Flowmynt Stablecoins](https://flowmynt.com/platform/stablecoins): Flowmynt Stablecoins: another rail when it makes sense. Connect stablecoin funding, settlement and payouts alongside traditional payment rails.
- [Flowmynt Connect](https://flowmynt.com/platform/connect): Flowmynt Connect: choose your network. Bring banks, payout partners, issuers, account providers and verification services into one configurable layer.
- [Flowmynt Operate](https://flowmynt.com/platform/operate): Flowmynt Operate: the running family. Transactions, compliance workflows, exceptions, approvals, support, audit and card operations in one place.
- [Flowmynt Build](https://flowmynt.com/platform/build): Flowmynt Build: the integration family. REST APIs, webhooks, events, SDKs, partner adapters and a sandbox to connect product, providers and operations.

## Developers and integrations

- [Developers](https://flowmynt.com/developers): Build it your way. Connect your product, providers and operations through REST APIs, webhooks, events, SDKs, partner adapters and a sandbox.
- [Integrations](https://flowmynt.com/integrations): Connect banks, payout partners, open banking, issuers, mobile money, wallets, FX, KYC, sanctions, fraud, custody, CRM and accounting systems.

## Pricing, security and contact

- [Security & Controls](https://flowmynt.com/security): Access, approvals and audit as configuration, plus how Flowmynt encrypts data in transit and at rest, keeps the minimum and handles retention.
- [Pricing](https://flowmynt.com/pricing): Compare Flowmynt platform, WhatsApp payment integration and managed engineering. Clear setup, monthly and additional-work fees. Taxes extra.
- [Talk to Flowmynt](https://flowmynt.com/contact): Bring your markets, your use case and the pieces you need. Build a brief in the platform explorer and start the conversation with your team aligned.
- [WhatsApp payments for fintechs](https://flowmynt.com/whatsapp-payments-for-fintechs): Let fintech customers send money, pay bills and top up on WhatsApp, nothing to install. Provider-authorized, security-grade. US$2,999 setup + US$999/month.

## Case studies

- [Case studies](https://flowmynt.com/case-studies): Case studies: provider deprecations, reconciliation, API authorisation, PCI DSS 4.0, reporting changes and core banking adapters, as Flowmynt runs them.
- [A provider retires an API. Your payouts keep moving](https://flowmynt.com/case-studies/provider-api-deprecation): How Flowmynt migrates every payment path when a provider retires an API: mapped call sites, a branch per path, independent review and sandbox evidence.
- [Reconciliation breaks stop ageing](https://flowmynt.com/case-studies/reconciliation-exceptions): How Flowmynt drains an ageing reconciliation queue: reproduce each exception class, correct the cause, add a regression test and review it as one run.
- [The defects that pass every test](https://flowmynt.com/case-studies/api-authorisation): How Flowmynt proves every API boundary fails closed: enumerated entitlements, negative tests across tenants and roles, reviewed fixes and a secrets sweep.
- [PCI DSS 4.0 made the payment page a controlled surface](https://flowmynt.com/case-studies/pci-dss-payment-page): How Flowmynt meets PCI DSS 4.0 requirements 6.4.3 and 11.6.1: hosted authorisation, a script inventory, change detection and proof that it fires.
- [The reporting schema changed. The deadline did not](https://flowmynt.com/case-studies/regulatory-reporting-change): How Flowmynt delivers a reporting schema change to a fixed date: specification diff, mapping changes in your systems, historical re-runs, reviewed result.
- [One core change, every adapter](https://flowmynt.com/case-studies/core-banking-adapters): How Flowmynt applies a core banking change across every adapter: mapped fan-out, one reviewed change per adapter, contract tests and a dependency map.

## Blog

- [Blog](https://flowmynt.com/blog): Practical guides for fintech founders on WhatsApp payments, provider integration, white-label software and maintaining the systems their businesses run.
- [WhatsApp payment integration guide](https://flowmynt.com/blog/whatsapp-payments-existing-provider): Add WhatsApp payments to your fintech with your existing provider. Learn the four-step journey, authorization, operations and Flowmynt's integration scope.
- [Remittance reconciliation guide](https://flowmynt.com/blog/remittance-reconciliation-close): How a remittance provider reconciles transfers across the ledger, payout partners and banks: collect, match by rule, investigate, check and close.

## Optional

- [Industries](https://flowmynt.com/industries): Money transfer, banking, fintech, marketplace, payroll, travel, airline and spend-management flows built on one configurable money-movement platform.
- [About Flowmynt](https://flowmynt.com/company): Flowmynt is a configurable money-movement platform for businesses that collect, hold, verify, convert, send, spend and operate money across markets.
- [Resources](https://flowmynt.com/resources): Explore the platform architecture, build a configuration in the explorer and follow a payment from creation through to reconciliation.
- [How Flowmynt Works](https://flowmynt.com/resources/how-it-works): Define the experience, connect the providers and bring the operation together. Your use case sets the starting point for the configuration.
- [Platform Walkthrough](https://flowmynt.com/resources/platform-walkthrough): Follow a payment from creation to reconciliation and see where the platform, your team and your providers connect.
- [Terms of Service](https://flowmynt.com/legal/terms): Flowmynt Terms of Service: website use, software licence, integration services, fees, refunds, liability, data protection and governing law.
- [Privacy Policy](https://flowmynt.com/legal/privacy): How Flowmynt handles personal data from enquiries, clients and business development: purposes, legal bases, sharing, transfers, retention and your rights.
- [Cookie Policy](https://flowmynt.com/legal/cookies): Learn how Flowmynt uses Google Analytics, which cookies it sets, how long they last and how to manage cookies and analytics through your browser.
- [Acceptable Use Policy](https://flowmynt.com/legal/acceptable-use): Rules for using Flowmynt software, services and connected WhatsApp channels: licensed use only, prohibited activities, security testing and enforcement.
- [Data Processing Addendum](https://flowmynt.com/legal/data-processing): Flowmynt's processor terms under GDPR Article 28, UK GDPR and India's DPDP Act: instructions, security, sub-processors, transfers, audits and deletion.