Instant payments
& insights

My Bank. My Money. My Choice

Make it safe and easy for people to connect their bank accounts and pay for shopping, bills, or other businesses.

£ 0 B

spend by retailers to
accept payments

0 %

of UK online purchases
made on a mobile

0 %

of consumers rate speed of
payment as an important

0 %

of customers prefer to see
their balance whilst paying

The next generation in digital payments

Reflow is the simplest way to accept instant bank transfer. Plug-and-play technology through one API. Consistent and beautiful design for all users.

To who?

Consumer payments
or selling online?

Perfect your checkout : Speedy, secure and seemless customer checkout will increase conversaion and reduce fraud.

Providing recurring
services or utilities?

Our platform to makes it easy to collect payments. Perfect for invoice payments of variable amounts, subscriptions and fees.

For banks, lenders
& fintechs

We surface the transactional data you need through a single API, so you can build without the burden of complex integrations, cost or compliance.

Products

Pay from Bank Account

Simple, swift and secure Shop and
pay from your bank account.

Bill Pay

Flexibility that suits you The most
effortless and secure way to pay your bills, the freedom we all deserve.

Insights

From daily insights to monthly transaction history, smart auto-categorization provides normalized data across all banks.

Benefits of this payment 🔥

No sign up needed

Using our secure bank connector, you simply log into your online banking or bank mobile app. Your info is never stored or shared.

Check out easily

Anytime, Anywhere no lengthy forms
to fill. No payment card details

Stay in control of spending

You can view your balance while you’re checking out – and see it updated instantly right after you’ve paid.

Simple

Simple Frictionless Experience Start receiving payments immediately. Integrate our API with just a few lines of code.

Instant

Near-instant funds transfer into your account directly Pay from My Bank uses the Faster Payments Service, which could improve timescales to your settlement account.

Secure

Bank grade security, with no extra steps and no liability When customers pay from bank account, liability lies with their bank.

Cheaper

On Simple Fee. Cut out fees associated with Direct Debit, Cards and other traditional payment methods.

Low risk

Make online fraud a thing of the past. With transactions authenticated through the customer’s bank login online or on mobile, online fraud and its associated costs are near eliminated.

Efficient

Bank grade security, with no extra steps and no liability When customers pay from bank account, liability lies with their bank.

We’ve got you covered

Lightyears ahead. Yet only getting started. Scale your business to new markets and bigger volumes. Today our API connects you to banks across European markets and customers.​

Reflow is authorised and regulated by the FCA as a Payment Institution (FRN: 811078). All built on a secure platform with multi-factor authentication, activity observation and regular penetration testing.

Our commitment to you. We believe in empowering everyone to simplify their payments experience which enables them to live a safer financial life. Imagine yourself in an open banking environment without the fear of privacy. We respect your privacy and our team is committed to provide you with a secure environment to work on.

For developers

The complete toolkit. Reflow builds the most powerful and flexible tools for internet commerce. Whether you’re creating a subscription service, an on-demand marketplace, an e-commerce store. Reflow’s meticulously designed APIs and unmatched functionality helps you to create the best possible product for your users.

{

access_token”: “eyJhbx…”,

expires_in”: 599,

issued_at”: 1570120847297,

scope”: “flowpay”,

token_type”: “Bearer”

}

When we say we offer only cardless payments then the first reaction is

“Elon would welcome you! 🖖👽”

Ready to get started?

Terms of Use        Privacy 

hello@reflow.zone   Reflow Zone Ltd. 30 Churchill Place London E14 5RE

reflow.zone: © 2019 Reflow Zone Limited. All rights reserved. Reflow, the Reflow logo, and the Diamond Design are the trademarks of Reflow Zone Limited, a company registered in England and Wales (No. 11235853), register office is at 86-90 Paul Street, London EC2A 4NE. Reflow Zone Limited is authorized and regulated by the Financial Conduct Authority reference number 811078.

Payments

Pay From My Bank

Bill Pay

Pay Later

Insights

Data Aggregation

Account Verification

Transaction Categorisation

Spending Analysis

Cash flow Analysis

Solutions

Retail

Financial Services

Accounting Services

Charities

Travel

View all >

Developers

Technology

Open Banking

API Documentation

Demo Application

Status

Bank API Monitoring

Contact

hello@reflow.zone

30 Churchill Place London E14 5RE

Payments        Insights        Use cases         Solutions         Developers         About us

Home          Pay from Bank Account          Bill Pay          About us          hello@reflow.zone

Instant payments
& insights

My Bank. My Money. My Choice

Make it safe and easy for people to connect their bank accounts and pay for shopping, bills, or other businesses.

£ 0 B

spend by retailers to
accept payments

0 %

of UK online purchases
made on a mobile

0 %

of consumers rate speed of
payment as an important

0 %

of customers prefer to see
their balance whilst paying

The next generation in digital payments

Reflow is the simplest way to accept instant bank transfer. Plug-and-play technology through one API. Consistent and beautiful design for all users.

To who?

Consumer payments
or selling online?

Perfect your checkout : Speedy, secure and seamless customer checkout will increase conversion and reduce fraud.

Providing recurring
services or utilities?

Our platform makes it easy to collect payments. Perfect for invoice payments of variable amounts, subscriptions and fees.

For banks, lenders
& fintechs

We surface the transactional data you need through a single API, so you can build without the burden of complex integrations, cost or compliance.

Products

Pay from Bank Account

Simple, swift and secure
pay from your bank account.

Bill Pay

Flexibility that suits you. 
Effortless and secure way to pay your
bills, the freedom we all deserve.

Insights

From daily insights to monthly transaction
history, smart auto-categorization provides
normalized data across all banks.

Benefits of this payment 🔥

No sign up needed

Using our secure bank connector, you simply log into your online banking or bank mobile app. Your info is never stored or shared.

Check out easily

Anytime, Anywhere no lengthy forms
to fill. No payment card details

Stay in control of spending

You can view your balance while you’re checking out – and see it updated instantly right after you’ve paid.

Simple

Simple Frictionless Experience Start receiving payments immediately. Integrate our API with just a few lines of code.

Instant

Near-instant funds transfer into your account directly Pay from My Bank uses the Faster Payments Service, which could improve timescales to your settlement account.

Secure

Bank grade security, with no extra steps and no liability.

Cheaper

On Simple Fee. Cut out fees associated with Direct Debit, Cards and other traditional payment methods.

Low risk

Make online fraud a thing of the past. With transactions authenticated through the customer’s bank login online or on mobile, online fraud and its associated costs are near eliminated.

Efficient

An accurate audit trail can be matched with bank statements’ transaction identifiers.

We’ve got you covered

Lightyears ahead. Yet only getting started. Scale your business to new markets and bigger volumes. Today our API connects you to banks across European markets and customers.​

Reflow is authorised and regulated by the FCA as a Payment Institution (FRN: 811078). All built on a secure platform with multi-factor authentication, activity observation and regular penetration testing.

Our commitment to you. We believe in empowering everyone to simplify their payments experience which enables them to live a safer financial life. Imagine yourself in an open banking environment without the fear of privacy. We respect your privacy and our team is committed to provide you with a secure environment to work on.

{

“access_token”: “eyJhbx…”,

“expires_in”: 599,

“issued_at”: 1570120847297,

“scope”: “flowpay”,

“token_type”: “Bearer”

}

For developers

The complete toolkit. Reflow builds the most powerful and flexible tools for internet commerce. Whether you’re creating a subscription service, an on-demand marketplace, an e-commerce store. Reflow’s meticulously designed APIs and unmatched functionality helps you to create the best possible product for your users.

Ready to get started?

Terms of Use        Privacy 

hello@reflow.zone   Reflow Zone Ltd. 30 Churchill Place London E14 5RE

reflow.zone: © 2019 Reflow Zone Limited. All rights reserved. Reflow, the Reflow logo, and the Diamond Design are the trademarks of Reflow Zone Limited, a company registered in England and Wales (No. 11235853), register office is at 86-90 Paul Street, London EC2A 4NE. Reflow Zone Limited is authorized and regulated by the Financial Conduct Authority reference number 811078.

Payments

Pay From My Bank

Bill Pay

Pay Later

Insights

Data Aggregation

Account Verification

Transaction Categorisation

Spending Analysis

Cash flow Analysis

Solutions

Retail

Financial Services

Accounting Services

Charities

Travel

View all >

Developers

Technology

Open Banking

API Documentation

Demo Application

Status

Bank API Monitoring

About us

Company

Careers

Partners

Contact

hello@reflow.zone

30 Churchill Place London E14 5RE

When we say we offer only cardless payments then the first reaction is

“Elon would welcome you! 🖖👽”

Launch 🚀

Free

Compenhensive API docs

Sandbox Env

UI customuzation

Standard Email and Tickets support

Production Env

White label

Integration consulting

Premium support

Account Management

Scale ☄️

Price £500 per/month

Comphensive API docs

Sandbox Env

UI customization

Standard Email and Tickets support

Production Env

White label

Integration consulting

Premium support

Account Management

Boost 💣

Price custom

Comphensive API docs

Sandbox Env

UI customization

Standard Email and Tickets support

Production Env

White label

Integration consulting

Premium support

Account Management