Payments built around your business — not the other way around
Technology that makes money move, backed by a real person who knows your business. Payment processing, retail POS, restaurant POS, and online ordering — all in one place.
✦ Online payments✦ In-person / POS✦ Invoicing & billing✦ Large transaction specialists ($100K+)✦ Interchange plus pricing
1,300+
businesses trust FloPayments
$1B+
in annual sales processed
$100K+
large transactions handled with ease
Our solutions
Every tool your business needs to get paid
We partner with the best technology platforms and power them with FloPayments processing — giving you competitive rates and one person to call for everything.
Unattended Payments
Unattended Solutions
Accept payments 24/7 with no staff required. We power car washes, laundromats, vending machines, EV chargers, and more — with pulse-compatible equipment built for unattended environments.
Learn more →
POS Compatibility
POS Integration Finder
Already have a POS system? Search to see if we can integrate FloPayments with your current setup — and find out if your processor is locking you into expensive rates with limited service options.
Search your POS →
Boutique & Retail POS
Material Retail POS
The #1 POS for boutiques and independent retailers. iPad-based with built-in CRM, loyalty programs, inventory management, and sync to Shopify, QuickBooks, Facebook, and Instagram.
Learn more →
Restaurant & Small Business POS
Figure POS
Cloud-based POS built by a small business for small businesses. Accept payments online or offline, manage staff, track top sellers, run a kitchen display, and deploy self-order kiosks. No contracts, no hidden fees.
Learn more →
Online Ordering
Make It Butter (Online Order)
Commission-free online ordering for restaurants and food businesses. Customers order directly from your site for pickup or delivery — with loyalty rewards, flexible scheduling, and mobile-friendly UX. You keep every dollar.
Learn more →
Unattended Payments
Unattended Solutions
Accept payments 24/7 with no staff required. We power car washes, laundromats, vending machines, EV chargers, and more — with pulse-compatible equipment built for unattended environments.
Learn more →
POS Compatibility
POS Integration Finder
Already have a POS system? Search to see if we can integrate FloPayments with your current setup — and find out if your processor is locking you into expensive rates with limited service options.
Search your POS →
Why FloPayments
The personal touch that big processors can't offer
We use the best technology, but our business is built on real relationships with real business owners who want tailored service and support.
A real person answers
You work directly with Flo Payments — someone who already knows your account inside out.
Built for big transactions
Processing $100K+ is routine for us. We have the experience and infrastructure to handle them without a hitch.
Pricing that works for you
Interchange plus or flat rate — we always find the structure that saves you the most money.
$1B+
processed annually across our clients
Businesses served1,300+
ServicesPayments, POS, Online Ordering
Large transaction specialty$100,000+
Preferred pricing modelInterchange plus
Your dedicated contactFlo Payments
Pricing
Rates designed around your business
Every client gets a rate that reflects their volume, industry, and transaction type. We review your current statement and find where you can save.
Flat Rate
Simple, predictable costs every month
For businesses that want one consistent rate with no surprises on their statement.
Competitive rates starting around 2.5%
Easy to budget and forecast
All major card types accepted
Online, in-person, and invoicing
Most savings at volume
Interchange Plus
Pay exactly what the card networks charge, plus a small margin
Our preferred model for high-volume and large-transaction businesses. Full transparency on every fee.
True cost-plus pricing
Best for $100K+ transactions
Fully itemized statements
Dedicated rate review included
Often saves more than flat rate
Custom
A structure built entirely around your business
For businesses with unique needs — high volume, specific industries, or complex payment flows.
Negotiated directly with you
Built around your transaction profile
Includes hardware & integrations
Ongoing support included
All pricing is discussed personally — we review your current processing statements and find exactly where you can save. No obligation, no pressure.
Ready to see what FloPayments can do for your business?
Share your current processing statement and we'll show you exactly where you can save — no pressure, no jargon.
Boutique & Independent Retail POS
Material Retail POS — the #1 POS for boutiques and independent retailers
Material is purpose-built for boutiques and independent retailers who want more than just a cash register. Beautiful iPad POS software, powerful customer relationship tools, and complete inventory management — integrated with FloPayments for competitive processing rates and personal support.
Material goes beyond checkout — it gives you the tools to understand your customers, manage your inventory, and sell everywhere.
iPad POS — built for retail
Material runs as a native iPad app. Clean, fast checkout designed for boutiques — your staff will have it mastered in minutes. Pair it with barcode scanners, receipt printers, and cash drawers for a complete register setup.
Customer relationship tools (CRM)
Build rich profiles for every customer — purchase history, preferences, total spend, and store credits. Text customers directly from the system, send automated marketing messages, and reward your best shoppers with a built-in loyalty program.
Intelligent marketing automations
Set up automated messages that go out at the right time — follow-ups after a purchase, birthday offers, win-back campaigns for customers who haven't visited. Reach new customers and keep regulars coming back without the manual work.
Inventory management
Track stock levels with detailed reports, audits, and snapshots so you always know what you have and what's selling. Create purchase orders and receive items with a full receiving workflow. Buy with confidence — eliminate over-ordering and stockouts.
Shopify & ecommerce sync
Sell in-store and online at the same time. Sync your products, inventory, and orders with Shopify — so your stock is always accurate across every channel. Also sell on Shoptiques, the turnkey online marketplace built for independent retailers.
FloPayments processing built in
Unlike most POS software that locks you into their payment rates, Material with FloPayments gives you interchange plus or flat rate pricing — negotiated personally for your business. Same great software, better rates.
Get Material Retail POS set up for your store
We handle hardware, software, payment integration, and staff training — everything from day one and beyond.
Restaurant & Small Business POS
Figure POS — cloud-based POS made by a small business, for small businesses
Figure is an end-to-end cloud POS that goes far beyond simple payments. Accept cash and card online or offline, manage your team, understand your best sellers, run a kitchen display, and deploy self-order kiosks — with zero contracts, zero cancellation fees, and zero hidden fees. Powered by FloPayments processing.
No contractsNo cancellation feesNo hidden feesWorks offline
Platform highlights
Cloud-based — manage your business from anywhere, anytime
Accept cash & card — email or print receipts, digital signatures
Offline payments — keep accepting cards even without Wi-Fi
Visa, Mastercard, Discover & Amex supported
Kitchen Display System (KDS) — front & back of house in sync
Self-order kiosks — reduce wait times & increase ticket size
Sales reporting — best sellers, channels, profitability
Customizable menus for POS, kiosk & online ordering
Make It Butter online ordering built in
Multi-location management from one account
Features in detail
An end-to-end system that helps you understand and grow your business
Figure gives small business owners the data and tools that used to only be available to large chains — simple enough for a single location, powerful enough for many.
Payments — online & offline
Accept cash and card, email or print receipts, and collect digital signatures. Even when your internet goes down, Figure keeps processing — payments sync automatically when you're back online.
Kitchen Display System (KDS)
Send orders straight to the kitchen the moment they're placed. Figure KDS eliminates paper tickets and keeps your front and back of house fully in sync — faster service, fewer mistakes.
Self-order kiosks
Let customers place their own orders at a kiosk — cutting wait times, easing the load on staff, and increasing average ticket size with built-in upsell prompts. Perfect for quick-service and high-volume operations.
Customer profiles
Figure builds a profile for every customer automatically. Know who your regulars are and who your biggest spenders are — then target and grow that customer base with the right promotions.
Employee management
Streamlined clock-in and clock-out, automatic timesheets, and role-based access control. Know exactly who is working, what they're selling, and manage your team with ease from any device.
Sales reporting & insights
Track sales by item, channel, employee, and time period. Know your best-selling items and most profitable channels — and stop guessing. Make data-driven decisions that actually grow your business.
Get Figure POS running in your business
No contracts, no hidden fees — just a POS that works for you. We handle setup, training, and payment integration from start to finish.
Commission-Free Online Ordering
Make It Butter — online ordering that keeps every dollar with you
Make It Butter is an online ordering platform for restaurants and small food businesses. Your customers browse your menu and order directly from your site for pickup or delivery — with loyalty rewards, flexible scheduling, and a mobile-friendly experience. No commissions. Not 30%. Not 3%. Zero.
Zero commission on every single order — you keep it all
Customers order directly from your website or branded page
Pickup and delivery options for customers
Flexible scheduling — orders placed in advance with customizable times
Delivery zone validation — ensures delivery is available by address
Built-in loyalty & rewards program — customers earn with every order
Mobile-friendly — works beautifully on any phone or device
Improves order accuracy — customers enter their own orders
Reduces manual order-taking and phone calls
Integrates directly with Figure POS
Modern UX designed to maximize order completion
Quick setup — We handle your menu build and launch
Features in detail
Your own ordering system — no third-party cuts, ever
Third-party delivery apps charge 15–30% on every order. Make It Butter puts you in control — your menu, your brand, your margins.
Zero commission — on every order
Unlike DoorDash, Uber Eats, or Grubhub, Make It Butter charges no commission whatsoever. The full payment from your customer comes to you — every single time.
Your menu, your brand
Customers browse and order from a page branded entirely to your business — not a crowded third-party marketplace where you're competing side-by-side with dozens of other restaurants.
Flexible scheduling
Customers can place orders in advance and choose their preferred pickup or delivery time — reducing kitchen rush and giving you better control over your flow.
Delivery zone validation
The system automatically checks whether delivery is available to a customer's address before they complete their order — no awkward follow-up calls, no failed deliveries.
Built-in loyalty & rewards
Customers earn rewards with every order placed through Make It Butter — giving them a reason to come back to you directly instead of reordering through a third-party app.
Figure POS integration
Make It Butter integrates directly with Figure POS — online orders flow straight to your kitchen display automatically, no manual transfer needed.
White Label Delivery
Delivery that feels like yours — because it is
Through our delivery partner network, Make It Butter offers fully white-labeled delivery. Your customer sees your brand from order to doorstep — not a third-party app's logo. You keep 100% of all order proceeds, and a delivery fee is charged directly to the customer.
Your brand, door to door
Every touchpoint — the order confirmation, tracking updates, and delivery — reflects your business name and identity. The customer never sees the delivery partner's brand.
You keep every dollar
All order proceeds go directly to you — no commission, no revenue share. A transparent delivery fee is charged to your customer at checkout, not taken from your margin.
Real drivers, no hiring
Our delivery partner network handles the logistics — recruitment, routing, and insurance. You offer delivery without managing a single driver yourself.
Delivery zone control
You define your delivery area. Orders outside your zone are automatically declined at checkout — no wasted driver trips or customer disappointment after the fact.
Real-time order tracking
Customers get live delivery tracking under your brand — the same experience they expect from big apps, but it's all coming from you.
Loyalty rewards on every order
Customers earn loyalty points on delivery orders too — giving them every incentive to keep ordering from you directly instead of switching to a third-party app.
Third-Party Apps
15–30%
commission taken from every order. Their brand. Their customer.
vs
Make It Butter Delivery
0%
commission. Your brand. Customer pays a delivery fee. You keep everything.
Stop giving away 30% of every delivery order
If your business does $10,000/month in delivery orders through a third-party app at 30% commission, that's $3,000 leaving your business every single month — $36,000 a year. Make It Butter keeps that money with you where it belongs.
Start taking commission-free orders today
We will set up your Make It Butter account, build your menu, and integrate it with your POS. Fast setup, no hassle.
Get in touch
Let's talk about your business
Whether you want a free rate review, need a new POS system, or just have questions — Flo Payments is here to help. Reach out directly and expect a personal response.
We typically respond within a few hours during business hours.
Free rate review
Share your current processing statement and we'll show you exactly where you can save — no obligation.
Products we offer
FloPayments processing, Material Retail POS, Figure POS, and Make It Butter online ordering.
Message sent!
Thanks for reaching out. We will reply to shortly.
POS Integration Finder
Is your POS system on our list?
Search your current POS system below. We work with platforms across a wide range of industries — and if yours isn't listed, don't worry. FloPayments finds a way.
Don't see your POS? That's okay.
We're always expanding our integrations. If your system isn't listed, tell us what you're using and we'll work to find a solution that fits. FloPayments finds a way.
Let's get you better rates
Tell us about your business and we'll reach out personally to discuss how FloPayments can work with your setup.
We'll be in touch!
We will personally review your information and reach out shortly to discuss your options.
Unattended Payment Solutions
Take payments 24/7 — no staff, no interruptions
FloPayments powers unattended payment environments across a wide range of industries. Whether you run a car wash, laundromat, vending operation, or EV charging network, we provide the hardware and processing to keep your business running around the clock — with competitive rates and personal support.
From coin-operated machines to next-generation EV chargers, FloPayments has the hardware and processing expertise to power your operation.
🚗
Car Washes
Accept cards and contactless payments at self-serve and automatic wash bays — pulse-compatible with your existing wash controller.
👕
Laundromats
Modernize coin-op machines with card readers. Customers pay by tap, swipe, or chip — no quarters needed.
🥤
Vending Machines
Add cashless payment to any vending machine via MDB interface. Increase sales and reduce cash handling overnight.
⚡
EV Chargers
Accept payment at electric vehicle charging stations — card, contactless, and NFC ready for modern drivers.
🅿️
Parking & Kiosks
Unattended payment kiosks for parking lots, garages, and self-service stations of all kinds.
🏋️
Fitness & Gyms
Self-service lockers, tanning beds, massage chairs, and gym equipment — bill customers automatically without staff involvement.
🐾
Pet Services
Dog washes, self-serve pet grooming stations, and automated pet care kiosks — accept any form of payment, anytime.
🏪
Any Self-Service Business
If it runs without a cashier, we can put a payment terminal on it. Tell us your setup and we'll find a solution.
Pulse Reading Technology
Compatible with pulse-reading equipment
Our unattended payment terminals work with pulse-reading equipment — the industry-standard protocol used by car washes, laundromats, and vending machines to communicate between the payment device and the machine controller.
Pulse signal compatibility for wash bays and coin-op machines
MDB (Multi-Drop Bus) interface for vending machines
DEX data exchange for inventory and audit reporting
IP65 weather and dust resistance for outdoor environments
Gorilla glass scratch-resistant touchscreen for high-traffic use
Built-in barcode scanner for loyalty codes and promotions
Accepts chip, magstripe, Apple Pay, Google Pay & all major cards
Terminal specs at a glance
Operating SystemAndroid 14
Display4" Gorilla Glass touchscreen
Weather ratingIP65 (outdoor safe)
InterfacesMDB, DEX, Pulse
Payment methodsChip, Swipe, Tap, NFC
Wallets acceptedApple Pay, Google Pay
ConnectivityWiFi, 4G, Ethernet
ScannerBuilt-in barcode reader
ProcessingFloPayments (competitive rates)
Ready to go cashless on your unattended equipment?
Tell us about your setup and We will put together a solution tailored to your machines, your volume, and your budget.
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What type of unattended business do you run?
Select all that apply — you can choose more than one.
Does your equipment use pulse technology?
Pulse technology is the signal used by car washes, laundromats, and coin-op machines to communicate with payment devices. Not sure? Just let us know and we'll figure it out together.
Almost done — how do we reach you?
We will personally review your setup and reach out with a tailored solution.
You're all set!
We will review your unattended setup and reach out personally with a solution built around your business.
