FlowPay

FlowPay is a system developed by FlowAccount that allows all businesses to accept online payments while automatically storing transfer evidence and recording accounting entries. It accepts online payments through multiple channels including QR Code payment systems, online credit card processing services, debit cards, and PromptPay.

With two options:

1) Payment scanning system via QR Code that sellers create from their bank account numbers and save in the system. This can be shared as a link sent to buyers who can scan to pay and immediately attach proof of payment.

2) Online credit card payment services, along with debit cards or PromptPay, by connecting the FlowAccount system with international standard payment channels like Stripe or Omise.

Suitable for all types of SME businesses, giving you more flexibility in your business operations from making sales to receiving online payments, with complete accounting - all in one system.

Available from the Standard package onwards.

A Payment Gateway is a system that helps verify financial transactions to make them more accurate, secure, convenient, and faster. It eliminates limitations in conducting online business, allowing you and your customers to make payments from anywhere.

FlowAccount, committed to being more than just online accounting software, has opened up possibilities by adding online payment systems through international-level Payment Gateways like Stripe and Omise. This allows you to share document links for customers to make payments through their preferred channels, including QR Code payments, online credit card processing, debit cards, and all transaction channels that Payment Gateways offer in partnership with FlowAccount. All transactions are automatically recorded in your accounting system.

Any type of business, whether large or small, can use Stripe or Omise because there is no initial investment required to accept online payments anytime, anywhere, from customers worldwide.

Stripe on FlowAccount
Support: VISA, Master and PromptPay

Omise on FlowAccount
Support: VISA, Master and JCB

Stripe
AI-powered Automated KYC system that automatically verifies applicant identity from submitted documents. The system learns from millions of case examples and can provide results within 72 hours when all supporting documents are completely submitted.

Omise
If you apply on your own, without registering through FlowAccount, the document verification process will take 7-14 business days after complete document submission.

Learn more
Stripe: https://stripe.com/th/payments
Omise: https://www.omise.co/th/thailand

Stripe
When you receive payment from customers, the amount will appear in the system within 7 days.

Omise
When payment is received, the amount will appear in the system immediately. But it will be held for 3-7 days, during which time it will be included in 'Amount under verification'

Stripe
Stripe Radar : Fraud detection and blocking system using machine learning trained with data from millions of companies worldwide. Special for customers who sign up through FlowAccount, which can automatically assess risk and block payments the system identifies as high-risk. Read more about Stripe Radar: https://stripe.com/th/radar

Omise
Fraud Detection: Comprehensive fraud prevention system including IP Geolocation that accurately tracks transaction times and locations, Tokenization system that automatically scrambles card codes for security against numeric theft (each code can only be used for one transaction per store), and many other features as detailed in the additional information: https://www.omise.co/th/fraud-protection

First 1-7 days : During the first 7 days after business owners have successfully registered and submitted all required documents, they can access the Stripe system and connect API with FlowAccount to share payment receipts. Besides successful KYC identity verification during these 7 days, Stripe will continue to monitor the customer's payment pathways.

The next 7-14 days : This is the period when banks for each payment transaction process transfers to Stripe, which takes 5-7 days to appear in the Stripe system. The Stripe system will notify business owners when these funds are available for withdrawal through the Stripe system menu: Balance > Overview > Upcoming payouts to bank.

15 days onwards : This is the period when business owners can set up withdrawal preferences from Stripe according to their needs: daily, weekly, monthly, or manual withdrawals. This setting affects when funds can be withdrawn. For example: Example 1: If a business owner sets up daily withdrawals, they can withdraw money from the Stripe system starting from day 15. Example 2: If they set up weekly withdrawals, they can withdraw money from the Stripe system on day 21 (counting from the first day of accepting payments through the Stripe system).