Flute - 2026 Pricing, Features, Reviews & Alternatives

A single platform for payments and commerce, built for growing businesses that want to stop juggling separate tools. It accepts card-present, card-not-present, ACH, tap to pay, and digital wallet payments, and brings invoicing, recurring billing, customer accounts, point of sale, and reporting together in one place.

Near-real-time reporting and analytics give full visibility across transactions and funding, with unified batching for a clear view of cash flow. Digital invoicing supports recurring payments and tracking, and a built-in customer vault securely stores credentials via network tokenization and encryption. The platform is PCI DSS compliant and adds fraud monitoring and Level 2 and Level 3 data optimization to lower risk and reduce processing costs.

Cost-saving options include surcharging, dual pricing, and cash discounting, built in and applied compliantly. Payments work in person or online through countertop hardware, mobile point of sale, and virtual terminals, many of which activate the same day. Next-day funding and instant payouts speed up cash flow, and working capital is available as a business grows. Supported industries include retail, health care, wellness, automotive, veterinary, jewelry, and beyond.

Software platforms can embed payments through a single REST API, with a sandbox, real-time webhooks, and documentation, and can brand the checkout, invoices, and dashboards their customers see. U.S.-based support helps with setup, integration, and ongoing optimization.

The virtual terminal feature allows remote transaction processing on any internet-connected device with support for payment methods that include QR code payments and automated clearing house transfers alongside traditional card transactions. The invoicing module provides functionality for creating and sending invoices with customizable line items, maintaining version history and tracking the status of dispatched documents. Customer payment details are secured within a tokenization vault that adheres to the Payment Card Industry Data Security Standard. Recurring billing controls permit the configuration of payment schedules with adjustable frequencies and amounts.

Real-time reporting and analytics deliver detailed visibility into transaction volumes, batch summaries and cost metrics through both summary dashboards and granular data exports. Network tokenization replaces sensitive payment information with unique reference tokens to reduce exposure of card data during transaction processing. Hardware options include an integrated touchscreen terminal with built-in platform access for point-of-sale scenarios and portable card readers for sales environments that require mobility.

The application programming interface offers fully documented endpoints for embedding payment functionality within existing software ecosystems. Developers gain the ability to implement deeply integrated payment flows, manage compliance responsibilities by leveraging the platform infrastructure and scale processing capacity as business demands evolve. The API architecture simplifies the embedding of checkout experiences and accelerates deployment cycles for diverse payment use cases.