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Forty times a month, your customer taps their card. Forty times, nothing happens.
Flow turns each one into a moment that deepens the relationship - the right message, to the right person, at the moment it matters.
Forty times a month, your customer taps their card. Forty times, nothing happens.
Flow turns each one into a moment that deepens the relationship - the right message, to the right person, at the moment it matters.
The Payment Moment is the new channel.
Your CRM knows your customer. Your products already fit their life. But at the moment they tap their card - none of it shows up.
The cost isn't churn. It's indifference.
Your customers aren't leaving. They're just not deepening. Every product sitting unused, every cross-sell never triggered, every relationship that stays transactional - that's the compounding cost of a moment no one activated.
Transaction lift, per activated cardholder
Margin expansion per card, per year
From launch to positive ROI
Proven across 107+ financial institutions and constantly improving
The moment, activated.
A card tap at dinner. A phone lights up: "You earned 3X points at Rosa's. You're 400 points from your next reward." Same transaction, already processed. Now it's a step toward the next trip.
Every tap, a conversation
A card tap at dinner. A phone lights up: "You earned 3X points at Rosa's. You're 400 points from your next reward." Same transaction, already processed. Now it's a step toward the next trip.
Every tap, a conversation
A card tap at dinner. A phone lights up: "You earned 3X points at Rosa's. You're 400 points from your next reward." Same transaction, already processed. Now it's a step toward the next trip.
Every tap, a conversation
Lunch near the office. A phone buzzes: "$5 back on orders over $25 at Sweetgreen. You're here now." Merchant-funded. Personalized. Delivered at the only moment it'll land.
Right offer, right moment
Lunch near the office. A phone buzzes: "$5 back on orders over $25 at Sweetgreen. You're here now." Merchant-funded. Personalized. Delivered at the only moment it'll land.
Right offer, right moment
Lunch near the office. A phone buzzes: "$5 back on orders over $25 at Sweetgreen. You're here now." Merchant-funded. Personalized. Delivered at the only moment it'll land.
Right offer, right moment
A first credit card. Balance: $340 of a $500 limit. Instead of a premium rewards offer that'll never get used: "You're at 68% of your limit. Your payment is due Friday - paying early keeps your credit healthy." The data was already there. Now someone read it.
Context, not campaigns
A first credit card. Balance: $340 of a $500 limit. Instead of a premium rewards offer that'll never get used: "You're at 68% of your limit. Your payment is due Friday - paying early keeps your credit healthy." The data was already there. Now someone read it.
Context, not campaigns
A first credit card. Balance: $340 of a $500 limit. Instead of a premium rewards offer that'll never get used: "You're at 68% of your limit. Your payment is due Friday - paying early keeps your credit healthy." The data was already there. Now someone read it.
Context, not campaigns
Nothing new to build. Everything new to gain.
Nothing new to build. Everything new to gain.
Configuration, not development. Flow reads from your existing payment rails, connects to your existing channels, and extends the tools you already run. Live in weeks, not quarters.
Configuration, not development. Flow reads from your existing payment rails, connects to your existing channels, and extends the tools you already run. Live in weeks, not quarters.
Extends your stack
Flow connects to your processor, engagement platform, loyalty, CRM, and analytics. Nothing gets replaced. Everything gets smarter.
Extends your stack
Flow connects to your processor, engagement platform, loyalty, CRM, and analytics. Nothing gets replaced. Everything gets smarter.
Extends your stack
Flow connects to your processor, engagement platform, loyalty, CRM, and analytics. Nothing gets replaced. Everything gets smarter.
Live in weeks
No 18-month project. No custom development. Configuration-driven setup on Visa and FIS rails you already run.
Live in weeks
No 18-month project. No custom development. Configuration-driven setup on Visa and FIS rails you already run.
Live in weeks
No 18-month project. No custom development. Configuration-driven setup on Visa and FIS rails you already run.
Proof built in
Every moment is measured with holdout-controlled methodology. You don't report activity. You prove revenue impact.
Proof built in
Every moment is measured with holdout-controlled methodology. You don't report activity. You prove revenue impact.
Proof built in
Every moment is measured with holdout-controlled methodology. You don't report activity. You prove revenue impact.
Smarter every day
A 50,000-member credit union. A 5-million-card bank. Same intelligence. Same precision. The network learns from everyone — and everyone benefits.
Smarter every day
A 50,000-member credit union. A 5-million-card bank. Same intelligence. Same precision. The network learns from everyone — and everyone benefits.
Smarter every day
A 50,000-member credit union. A 5-million-card bank. Same intelligence. Same precision. The network learns from everyone — and everyone benefits.
Partners
The institutions that Own the Moment.
Stephanie Ferris
CEO & President, FIS
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27.206 130.968 27.994 129.888 27.994 C 128.808 27.994 127.955 27.149 127.955 26.136 C 127.955 25.122 128.808 24.277 129.888 24.277 C 130.968 24.277 131.82 25.122 131.82 26.136 Z M 128.467 26.136 C 128.467 26.98 129.092 27.6 129.945 27.6 C 130.74 27.6 131.366 26.924 131.366 26.136 C 131.366 25.291 130.74 24.615 129.945 24.615 C 129.092 24.671 128.467 25.347 128.467 26.136 Z M 129.604 27.093 L 129.149 27.093 L 129.149 25.234 C 129.319 25.178 129.547 25.178 129.888 25.178 C 130.229 25.178 130.399 25.234 130.513 25.291 C 130.627 25.347 130.684 25.516 130.684 25.685 C 130.684 25.91 130.513 26.023 130.286 26.136 C 130.456 26.192 130.57 26.361 130.627 26.586 C 130.684 26.868 130.74 26.98 130.74 27.037 L 130.286 27.037 C 130.229 26.98 130.172 26.811 130.115 26.586 C 130.058 26.361 129.945 26.305 129.717 26.305 L 129.49 26.305 L 129.49 27.093 Z M 129.604 26.079 L 129.831 26.079 C 130.058 26.079 130.286 26.023 130.286 25.798 C 130.286 25.629 130.172 25.516 129.888 25.516 L 129.66 25.516 L 129.66 26.079 Z" fill="rgb(24, 69, 59)" height="40.780492784173006px" id="x_8pWQ_2C" transform="translate(20.18 0)" width="131.82049547643157px"/></g></svg>)
FIs are being asked to modernize everything at once - while maintaining stability and managing costs. Rip and replace is too risky, too expensive, and too slow. They need solutions that integrate quickly and drive business outcomes, not just efficiency.
105+
Financial institutions on FIS rails
<500ms
Signal to moment, in real time
April Clobes
CEO, MSUFCU
Owning the payment moment is key to the overall member relationship. Every time a member taps their card, we have a chance to show them the value of being with us - and now we actually do.
+20%
Transaction lift across activated members
10M
Member moments delivered
April Clobes
CEO, MSUFCU
Owning the payment moment is key to the overall member relationship. Every time a member taps their card, we have a chance to show them the value of being with us — and now we actually do.
30%
Transaction lift across activated members
10M
Member moments delivered
Stephanie Ferris
CEO & President, FIS
FIs are being asked to modernize everything at once - while maintaining stability and managing costs. Rip and replace is too risky, too expensive, and too slow. They need solutions that integrate quickly and drive business outcomes, not just efficiency.
105+
Financial institutions on FIS rails
<500ms
Signal to moment, in real time
April Clobes
CEO, MSUFCU
Owning the payment moment is key to the overall member relationship. Every time a member taps their card, we have a chance to show them the value of being with us - and now we actually do.
+20%
Transaction lift across activated members
10M
Member moments delivered
April Clobes
CEO, MSUFCU
Owning the payment moment is key to the overall member relationship. Every time a member taps their card, we have a chance to show them the value of being with us — and now we actually do.
30%
Transaction lift across activated members
10M
Member moments delivered
Stephanie Ferris
CEO & President, FIS
FIs are being asked to modernize everything at once - while maintaining stability and managing costs. Rip and replace is too risky, too expensive, and too slow. They need solutions that integrate quickly and drive business outcomes, not just efficiency.
105+
Financial institutions on FIS rails
<500ms
Signal to moment, in real time
April Clobes
CEO, MSUFCU
Owning the payment moment is key to the overall member relationship. Every time a member taps their card, we have a chance to show them the value of being with us - and now we actually do.
+20%
Transaction lift across activated members
10M
Member moments delivered
April Clobes
CEO, MSUFCU
Owning the payment moment is key to the overall member relationship. Every time a member taps their card, we have a chance to show them the value of being with us — and now we actually do.
30%
Transaction lift across activated members
10M
Member moments delivered
State of Flow
Latest partnerships, research validation, and company announcements from Flow Networks.
Forty taps. Forty moments. Let's make them count.
Your customers are already transacting. Your products already have value. Flow connects the two - in real time, at the moment it matters. Configuration, not development. Live in weeks.
27-day payback
Most partners see positive ROI before the first invoice.
No rip-and-replace
Flow extends your existing stack. Nothing gets replaced.
