One platform for everything you need

Give your customers their choice of payment options


Securely hosted and brandable cloud payment pages. Allows your customers to setup recurring payments in seconds.


Send an email to your customers with a call to action to setup direct debits. It only takes a few seconds!


We provide you with authority forms, terms, and everything else you need to start accepting recurring payments straight away.


Hosted by us, we provide you with a phone line and a script to accept direct debit authority over the phone.


Instalment plans

Divides the total amount you charge your customers into equal instalments. Easily adjustable. Best for loan payments, high-value purchases, and laybys.

Ongoing plans

Your customer agrees to pay you a fixed amount every defined frequency. Best for insurance payments, SaaS providers, membership fees, regular charitable donations, and rentals.

Variable plans

If each invoice amount is different, charge your customers automatically on the payment due date every month. Best for utility companies, telecommunication service providers, and anyone with varying invoices every month.

Data quality

Eliminate corrupt data. With our system, you can validate bank account numbers at point of entry.



Flexible payments

Choose the date, frequency, start date, end date, and amount of your payments based on your customers and business requirements.

No bank required

Flo2Cash partners with all major banks across New Zealand and Australia to approve and process payments securely. Need to accept payments using credit cards or direct debits? Have it all under one roof, with a single dashboard to manage all your payments.

Track payment status

View a timeline for each of your payments. Easily reinitiate failed payments or issue partial or full refunds. Audit trail is maintained for each activity, so you can go back and review changes performed by you and your employees.

Funds settlement

An established mechanism ensures funds are settled into your bank account on time. Funds are settled via an automated process to nominated business accounts in compliance with the Anti-Money Laundering (AML) legislation.


Dishonour Reports

Stay alerted about dishonours and failures as they happen. This allows you to contact your customers, agree on payment terms, and amend payment plans if necessary.

Card expiry reports

Learn about expired cards well on time. This will help you get updated details before payments start to fail.

Detailed transactions list

View transactions as they happen, and always know the state of payment collections on time.

Settlements and invoices

Access all your settlement reports and invoices. See how you're using the Flo2Cash system and associated charges.


No bank required

We offer a complete solution for direct debits. We're fully approved by banks to process transactions on your behalf.

Frequency to suit your business model

Recurring payments are cycled and have a fixed or variable amount every cycle. Usually, businesses have to manually process these recurring payments on a periodic basis. We'll help completely automate you for bank direct debits. Plus, your frequency of direct debit could be daily, weekly, fortnightly or monthly.

Authority Codes

Generally other payment processors issue you an authority code, which you will be sharing with number of other businesses. This means if they cancel direct debit for other business, yours is cancelled too. BUT... not any more with Flo2Cash's issued Authority codes

Compliance and Risk Management

It is hard to keep up with up ever changing regulations, policies and procedures around collecting payments. When adopting Flo2Cash's fully compliant solution, you can leave these worries to us, as we keep our system up to date with what is changing and notify you of the impacts. We provide you with scripts, terms and everything else to get you going.


No bank required

Flo2Cash is a leading provider of Credit Card Merchant Facilities. We offer merchant services and gateways, without you needing to go to a bank.

We offer businesses the ability to accept credit card payments anywhere, anytime - at differentiated merchant service rates.

Card tokenisation

We enable business to process recurring payments by tokenising the card. This means you can safely store your customers' card details with us, without worrying about security and compliance.

Card security

Flo2Cash and all of its products are level one PCI-DSS (Payment Card Industry Data Security Standard) compliant. It means Flo2Cash and our systems meet the most stringent security standards, and is kept up to date at all times. Your data and customer information are fully secure with us. We're also an approved member of the PCI Security Standards Council worldwide.


Connect to your software

Whether you are developing an internal app or using a third party CRM (Customer Relationship Management) system, you can embed full payment functionality right into your software with us.

Keep in sync

Get to know about every payment plan setup, payment attempt, and result by subscribing to easy-to-integrate events.

Integration support and consulting

We understand that every business has different needs. That's why we design our business logic and workflows in such a way that's flexible and optimisable for your specific business needs. 

Security and risk management

The Flo2Cash simple API (Application Programming Interface) is a fully featured, enterprise-grade API that allows you to leverage our substantial investments in PCI compliance, tokenisation, and payments technologies. This means we help you stay compliant.


Fraud prevention means a range of prevention tools that are designed to protect your business from potential losses due to fraudulent activity.

Country bin blocking

We can block credit and debit card transactions for cards issued in a specified country. This helps you protect chargebacks.

Suspicious activity checking

We're always on the lookout to identify suspicious transaction behaviours. We base these on sudden changes of patterns in your incoming payments.

Transaction rules

We can provide you with the ability to have daily and monthly transaction limits, and block transactions if the thresholds are breached.

Card range blacklisting

Block credit and debit card transactions for specific and individual cards or a range (type or issuer) of cards.