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Gateway Cards, open banking, wallets and payouts in one API

Payments that flow across every border

You describe the payment flow you need, we build it. Montflow connects your business to cards, local methods and payouts, routes every transaction to where it is most likely to succeed and settles funds to your account.

Build your payment flow See how it works
  • One integration
  • Smart routing
  • Pay-ins and payouts

Accept the payment methods your customers already use

  • Visa
  • Mastercard
  • Apple Pay
  • Google Pay
  • Open banking
  • SEPA Instant
  • Faster Payments
  • iDEAL
  • Bancontact
  • BLIK
  • Klarna
  • Trustly
  • Multibanco
  • MB Way
  • Przelewy24
  • EPS
  • Paysafecard
At checkout

Payments your customers don't have to think about

At the till, on the sofa or between flights, people pay the way they're used to. Montflow makes sure the payment goes through.

Customer paying with a smartphone at a card terminal
Apple Pay · €12.40Approved
Woman paying online with a bank card on her laptop
Card · €84.003-D Secure passed
Traveller with a suitcase walking through an airport
Booking paid in GBPSettled in EUR
Solutions

Every way to get paid, and to pay out

Pick the methods your markets need. Montflow handles the connections, the routing and the reconciliation behind them.

Card acquiring

Visa and Mastercard payments with 3-D Secure 2, tokenization and recurring billing, processed through several acquiring partners for higher approval.

Open banking

Account-to-account payments in the EU and Faster Payments in the UK. Customers approve in their banking app, with no card details and lower fees.

Payouts

Send funds to cards and bank accounts: winnings, seller earnings, refunds and partner commissions.

  • Visa Direct to card
  • Mastercard Send to card
  • SEPA to IBAN
  • Faster Payments to UK account

Apple Pay & Google Pay

One-tap checkout on mobile and desktop for customers in the UK and Europe.

European local methods

The methods shoppers trust in their own country, available from a single integration.

iDEALBancontactBLIKKlarnaTrustlyMultibancoMB WayPrzelewy24EPSPaysafecard

Local methods worldwide

Reach customers beyond Europe with regional wallets, bank transfers and vouchers in Canada, Turkey, the Middle East, India and Asia-Pacific.

CanadaTurkeyGCC & MENAIndiaSouth KoreaJapanAustraliaNew Zealand

Hosted checkout & payment links

Launch without writing a payment page: a branded checkout that shows the right methods for each customer's country, or a link you send in a chat or an invoice.

Hosted checkoutPayment linksPluginsREST API
How it works

From first request to settled funds

Three steps between your checkout and your bank account. Each one is visible in the dashboard.

POST /v1/payments
const payment = await montflow.payments.create({
  amount: 8400,
  currency: "EUR",
  methods: ["card", "open_banking", "apple_pay"],
  customer: { country: "DE", email: "anna@example.com" },
  return_url: "https://shop.example/thanks",
});

// → redirect the customer to payment.checkout_url
REST API
SDKs
Hosted checkout
Payment links
Routing rule · card · EURactive
Payment€84.00 · DEAcquirer AapprovedAcquirer Bretry routeAcquirer CstandbySettledEUR wallet
  • if BIN country = DE and amount < €500 → Acquirer A
  • on soft decline → retry on Acquirer B
  • else → best approval rate for this BIN in the last 24h
Balancessample data
EUR€182,440
GBP£64,120
USD$41,905
  • Payments capturedCards, open banking and wallets in one ledger
  • ReconciledFees, refunds and chargebacks matched to each transaction
  • Settlement batch createdTo the account and currency you choose
  • Funds in your bank accountSettlement reports available in the dashboard and via API
Why Montflow

Built to approve more payments

Conversion, coverage and control in one platform, so payments stop being the thing that holds your growth back.

Higher conversion with smart routing

Every transaction goes to the route with the best chance of approval. Soft declines are retried on another acquirer automatically, before the customer sees an error.

AI-driven fraud prevention

Machine-learning risk scoring, custom rules and 3-D Secure 2 stop fraud without blocking good customers.

Local methods and open banking

Offer the methods customers prefer in each market, including fast-growing and emerging ones, without a separate contract for each.

Fast integration

Clear API, SDKs, sandbox and plugins. Hosted checkout and payment links let you go live without code.

Fits any business model

One-off and recurring payments, split payouts and mass payouts in one stack.

B2BB2CSubscriptionsMarketplaces
Industries

Payment flows shaped for your business

Every industry has its own payment patterns, risks and regulators. We set up the flow for yours.

Smiling gamer in a headset playing at his computer
01

iGaming

Fast deposits and instant withdrawals, with the local methods players expect in each market.

DepositsInstant payoutsLocal methods
Online seller packing orders next to a clothing rack
02

Marketplaces

Collect from buyers, split each payment between sellers and pay them out on your schedule.

Split paymentsSeller payouts
Woman shopping online with a bank card and a laptop
03

E-commerce

A checkout that shows the right methods in every country and recovers declined payments.

Hosted checkoutWalletsRetries
Trader watching charts on several monitors
04

Trading platforms

Funding and withdrawals by card and bank transfer, with KYC and risk checks built in.

FundingWithdrawalsRisk checks
Startup team working together around a laptop
05

SaaS

Subscriptions, card updates and invoices for customers in any currency.

Recurring billingMulti-currency
Traveller with a suitcase talking on the phone at an airport
06

Travel & hospitality

Bookings, deposits, pre-authorizations and refunds across currencies.

Pre-authRefundsMulti-currency
Coverage

Local wherever your customers are

Enter a new market without a new provider. Tell us where you sell, and we will put together the methods and routes for it.

EU

Europe

  • Cards and wallets
  • SEPA and open banking
  • Local methods by country
UK

United Kingdom

  • Cards and wallets
  • Faster Payments
  • Pay by bank
ME

GCC & MENA

  • Cards and wallets
  • Regional bank transfers
  • Local wallets
AP

Asia-Pacific

  • India, Japan, South Korea
  • Australia, New Zealand
  • Local wallets and transfers
AM

Americas

  • Canada
  • Cards and wallets
  • Local bank transfers
Compliance & trust

Security and compliance from day one

Card data protection, anti-money-laundering checks and regulated partners are part of the platform, not an add-on.

PCI DSS

Card data security

Card data is handled in a PCI DSS-compliant environment and tokenized, so it never touches your servers.

AML/KYC

AML and KYC

Merchant onboarding with KYB and KYC checks and ongoing transaction monitoring.

3DS2

Strong authentication

3-D Secure 2 and SCA exemptions applied where they help approval and stay within the rules.

LICENSED

Regulated partners

Payments are processed and settled through licensed acquirers, banks and payment institutions.

Not sure which setup is right for you?

Tell us about your business, markets and volumes. We will suggest the methods, routing and payout options that fit.

Book a consultation
Contact sales

Let's build your payment flow

Tell us what you sell, where your customers are and which methods you need. Our team will come back with a proposal.

Smiling support specialist in a headset at her desk
  1. 01
    Discovery callWe learn about your business, markets and current setup.
  2. 02
    ProposalMethods, routing and pricing put together for your case.
  3. 03
    Onboarding and go-liveKYB, sandbox access and integration support until the first live payment.