MEET CLARA - THE AI BEHIND SMARTER SOFTWARE CHOICES
Enterprise-grade payments for growing businesses Payments, reporting, and capital in one platform
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Deep Dive with Clara AI
Flute brings payments, point of sale, billing, and working capital into one platform built for growing businesses. Accept cards, ACH, tap to pay, and digital wallets in person or online. Funding and reporting updates in near real time. Zero-fee options like surcharging and dual pricing help you keep more of every sale.
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Pricing
Platforms Supported
Organization Types Supported
API Support
Modes of Support
APIs and SDKs
Developer tools for app integrationACH Payment Processing
Offers support for ACH, virtual cards, checks, and wire transfers.Reconciliation Summary
A statement prepared to report total outstanding payments and receipts.Payment Gateway
Facilitates payments for bills, membership, donation, etc.PoS Transactions
Enables merchants to accept payment on Point of SaleRecurring Billing
Enables merchants to charge from customers on a recurring (periodic) basisFraud Prevention
Protects your referral program against abuse/fraudulent transactionsPCI Compliance
Ensures highly secured fund transactions for customer purchasesSplit Billing
Helps in dividing the service bill into two or multiple partsRefund Management
Initiates and manages refund for cancelled purchaseInvoice & Billing Management
Transaction Tracking & Reporting
Recurring Payments & Subscription Billing
PCI Compliance & Data Security
Payment Processing (Online & Offline)
Payment Gateway Integration
Fraud Detection & Risk Management
Multi-Currency & Global Payments
Payment Gateway
Facilitates payments for bills, membership, donation, etc.Recurring (Subscription Billing)
Billing consumers on a time determined basis for products or services receivedDunning Management
Helps to manage complications of credit card payment decline and inform the customer of failed charges.Pricing Management
Helps to provide better control over pricing and allows managing efficiently financial revenue & riskTips Management
Simplifies tip tracking and distribution, with features for tip pooling and sometimes seamless IRS reporting.Table Management
Allows effortless management of table layouts, seating arrangements, and reservations with real-time updates.Seperate Checks
Allows diners to split bills seamlessly, making individual payments simple and efficient.Online Ordering
Allows customers to conveniently place orders online directly from a branded website or app.Delivery Management
Streamline in-house deliveries with advanced tools for driver dispatch, route optimization, and real-time status tracking.Electronic Payments
Enables seamless electronic payment processing for your goods and services.Touch Screen (Billing)
Allows making bills by simply touching the desktop or mobile POS screenReturns Tracking
Helps to keep track of all the goods returned by customersRetail Management
Helps in automating, managing, monitoring and handling all the aspects of a retail businessRestaurant POS
Comes with useful and attractive restaurant management features and facilitates automating restaurant operationsOrdering Automation
Helps in automating the ordering system and supports online billingLayaway Management
Helps retailers offer their customers the option to buy products a little at a time or in increments.Customer Account Profiles
Allows maintaining, editing and updating customer accounts to offer tailor-made customer-oriented shopping experienceCommission Management
Helps in managing and tracking the commission amounts and simplify as such calculationsBarcode Scanning
Helps in scanning the barcode in an automated and simple mannerLoyalty Program
Assists in formulating effective strategies to encourage and convince customers to stay loyal to the brand/companySales Tracking
Helps to track sales systematicallyGift Card Management
Manages prepaid payment card processing that helps the cardholder purchase goods online or within a specific retail storeDiscount Management
Helps in enjoying better visibility so that suppliers avail discountsPayment Reminders
Helps to chase payments as they come due with automated payment remindersPayment Processing
Helps to manage automated transactions across various online channelsRecurring (Subscription Billing)
Billing consumers on a time determined basis for products or services receivedOffline Payments
Helps to record cash and credit payments on retail operationsTax Calculator
Automatically calculates the detailed tax amount at the latest tax slab rateDunning Management
Helps to manage complications of credit card payment decline and inform the customer of failed charges.Contingency Billing
Handling of bills related to contingenciesPayment Processing
Helps to manage automated transactions across various online channelsMulti-Location Scheduling
Helps in managing schedules and confirm reservations/booking from multiple locationsResource Scheduling
Helps in setting strategies to allocate resources to projects or tasks to complete it correctly and also manage its start/end datesReservations
Helps in making as well as canceling reservations online and also assist in rescheduling them (if necessary)Online Scheduling
Helps in automating and monitoring the scheduling tasks virtually automaticallyMeeting Room Booking
Helps managing meeting room schedules and offers a simple interface to book the appropriate booking roomGroup Scheduling
Helps in scheduling group meetings with multiple numbers of attendeesEmployee Scheduling
Helps in creating, processing and automating the employee scheduleClass Scheduling
Helps tutors or educational institutes at large to schedule academic and or vocational training classesAutomated Scheduling
Helps to automate the scheduling processes to reduce paperwork, provide a comprehensive solution and ensure timely updatesAppointment Scheduling
Helps in scheduling and managing all necessary appointmentsPCI Compliance
Ensures highly secured fund transactions for customer purchasesCredit Card Processing
Handles transaction by using customer's credit cardMulti-language Support
Available in multiple languages to support global customersProduct Reviews
Allows customer to rate and review the product on your websiteCoupon Management
Provides coupons and discounts to increase salesRefund Management
Initiates and manages refund for cancelled purchaseShopping Cart
Helps to select a product or service displayed on the website, order it and eventually helps with the purchasing processOrder Management
Helps tracking, monitoring, supervising, and meeting deadlines concerning ordered goods in an automated and systematic wayMulti-store Management
Provides technological help in electronically manage multiple stores using just a single platformCustomer Accounts
Facilitates maintaining and monitoring accounts of customers and records critical data concerning themPromotions Management
Supports and assists in handling several promotional or marketing activities of a company onlineProduct Configurator
Helps to configure or to design products almost exactly the way a specific customer wishes it to beLoyalty Program
Assists in formulating effective strategies to encourage and convince customers to stay loyal to the brand/companyCatalog Management
Helps managing and monitoring business product or service catalogReturns Management
Helps with the supply chain management including returns, gatekeeping, reverse logistics, etc.Invoice Payment
Enables merchants to accept payments through custom links by creating invoicesPoS Transactions
Enables merchants to accept payment on Point of SaleRecurring Billing
Enables merchants to charge from customers on a recurring (periodic) basisWebsite Payments
Enables merchants to accept payment on websitesSaved Cards
Offers saving credentials of debit and credit cards for faster payment checkout in futureMultiple Currency Processing
Enables merchants to accept payment in multiple currenciesGift Card Management
Manages prepaid payment card processing that helps the cardholder purchase goods online or within a specific retail storeFree Trial
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Flute Standard Custom
Flute Standard is a flat rate: 2.6% plus 10 cents for in-person payments (tap, dip, or swipe) and 3.3% plus 25 cents for online payments.
Flute Custom Custom
Flute Custom builds a rate around your business with interchange-plus, volume-based, or dual pricing that passes card fees along so you keep 100% of the sale.
98% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more
97% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more
96% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more
84% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more
80% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more
79% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more
79% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more
79% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more
79% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more
Zero Cost Process...
What is Flute, and would my business benefit from a comprehensive payments platform?
Flute is a payments platform that brings payments, invoicing, recurring billing, business management, working capital, and fraud protection together under one login. If you're running a growing business and managing payments across disconnected tools, one for processing, another for invoicing, another for reporting, Flute consolidates them. Less time switching between systems means more time focused on your business.
How much does it cost to get started with Flute?
Costs vary based on your business size, the hardware you need, and the features you're looking for. Flute offers flexible options for businesses at every stage, whether you're getting set up for the first time or expanding an existing operation. Contact the Flute sales team for a personalized quote.
Does Flute have long-term contracts or hidden fees?
Pricing in the payments industry can be hard to parse, and a lot of providers bury fees in the fine print. With Flute, what you see is what you get. Flute walks you through your options and shows you pricing before you commit to anything, so you never have to worry about getting trapped in a contract or finding unexpected fees down the line. Reach out to the Flute team for a full breakdown.
What is interchange-plus pricing, and does Flute offer it?
Interchange-plus is a pricing model where you pay the actual rate set by the card networks (Visa, Mastercard, and others), plus a small, fixed markup. Unlike flat-rate pricing, which charges one blended rate regardless of card type, interchange-plus is more transparent and can offer meaningful savings depending on your transaction volume and card mix. Flute offers it as part of Flute Custom. Talk to the Flute team to find out if it's the right model for your business.
Can I use Flute with my existing POS or invoicing system?
Flute is built to work with the tools your business already relies on, including many of the most common point-of-sale and invoicing systems. And because Flute brings payments, invoicing, recurring billing, and business management together in one place, you may find you can simplify your stack over time rather than manage multiple providers. Contact Flute to confirm compatibility with your specific setup.
Do Flute's online payments integrate with shopping carts or platforms?
Yes. Flute's online checkout integration connects to common shopping carts and e-commerce platforms through pre-built integrations and flexible APIs. Reach out to the Flute team, and we'll confirm compatibility with your specific platform.
Is Flute secure and PCI compliant?
Yes. Flute is PCI compliant, which means your business meets the payment card industry's data security standards without having to figure it out on your own. Flute handles the compliance infrastructure so you don't have to, and fraud protection is built directly into the platform to help keep every transaction safe.
Which fraud prevention tools does Flute include?
Flute's payment security solutions include BIN protection, fraud monitoring, network tokenization, encryption, EMV support, and PCI compliance tools. Options range from basic compliance coverage to comprehensive fraud detection, depending on your business needs.
How does Flute handle in-person payments?
Flute's in-person payments support chip, tap, swipe, PIN debit, mobile wallets, and QR code payments. Flute offers a range of hardware options, including countertop devices, mobile readers, and full POS systems. All transactions are tracked and reported on a single dashboard, and U.S.-based support is available 24/7 if you need help.
What kinds of mobile payments does Flute support?
Flute supports contactless tap-to-pay, chip card payments, and digital wallets like Apple Pay and Google Pay. Lightweight card readers pair with your phone or tablet, and a full mobile POS app lets you run your payment operation from a smartphone or tablet wherever your work takes you.
Can I accept payments on my website with Flute?
Yes. Flute's e-commerce payment processing lets you accept credit and debit cards and ACH payments directly on your website via hosted payment pages or API integration. The checkout stays on your site and matches your branding.
What is ACH payment processing, and does Flute support it?
ACH payment processing moves funds electronically between bank accounts through the Automated Clearing House (ACH) network. It's how direct deposits, bill pay, and bank transfer payments work. For businesses, it's a lower-cost alternative to credit card processing for invoices, subscriptions, and large transactions. Flute supports ACH for one-time purchases, recurring billing, and B2B payments, with account verification that helps keep failed payments off your books.
What is zero-cost processing, and does Flute offer it?
Zero-cost credit card processing offsets credit card processing fees by passing some or all of the cost to the customer through surcharging, dual pricing, or cash discount programs. Instead of absorbing the fee on every transaction, businesses can use one of these compliant programs to recover the cost and keep more of what they earn. Flute handles the setup, compliance, and customer communication.
Is credit card surcharging legal?
Credit card surcharging is permitted in many U.S. states, subject to specific restrictions and requirements that vary by state. Flute provides guidance to help merchants understand applicable card brand rules and state regulations, and reviews state-specific considerations before program setup.
What is online invoicing and payment processing with Flute?
Flute lets you create and send digital invoices with built-in payment links so customers can pay by card or ACH the moment they receive the invoice. Every invoice is tracked automatically, so you can see what's paid, pending, or overdue without manual checks.
How does recurring billing work with Flute?
Recurring billing charges customers automatically on a set schedule using stored payment credentials. You configure the billing amount, frequency, and start date, and Flute's automatic payment processing runs each charge on schedule without any manual steps. Customers authorize their payment method once and are automatically charged each cycle. Flute uses network tokenization to keep stored cards current, so payments don't fail when a card expires or is replaced.
How does Flute's working capital solution work?
Flute evaluates your recent sales and processing history to determine a funding offer, rather than relying on your credit score. Once approved, funds transfer to your account within one to two business days. Repayments are based on your daily card sales, so the amount adjusts with your revenue, and the total payback amount is disclosed upfront so you know the full cost before you accept.
What are instant payouts, and how do they work with Flute?
Instant payouts give you immediate access to the revenue from your completed card sales. Instead of waiting the standard two to three business days for funds to reach your bank account, you can transfer up to $10,000 from your daily card sales in seconds, even on weekends and holidays, right from your Flute dashboard. Flute charges a flat 1.5% fee on the amount you transfer, shown upfront before you confirm.
What are embedded payments, and how does Flute support them?
Integrated payments typically connect two separate systems, like a POS and an accounting tool. Embedded payments go further by weaving the experience into your product, with no redirect to a third-party checkout. For SaaS platforms, Flute's embedded solutions are more valuable because they keep users inside their environment.
How do software platforms monetize payments with Flute?
With Flute, you earn a share of the processing fees on every transaction your users complete inside your platform. Flute handles the payment infrastructure and compliance, while you collect the revenue share on top of your existing business model. To talk through a partnership, reach out to the Flute partnerships team.
What is Flute used for?
Flute is Payment Processing Software. Flute offers the following functionalities:
Learn more about Flute features.
What are the top alternatives for Flute?
Does Flute provide API?
Yes, Flute provides API.
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