Inflow
Inflow is a Paris-based payment infrastructure platform founded in December 2025, providing self-custody global payment acceptance, multi-acquirer routing, and agent-native commerce for SaaS, e-commerce, marketplace, freelancer, and AI agent customers worldwide.
- Company typePrivate
- Founded2025
- HeadquartersParis, France
- Headcount1–10
- GTM typeB2B and B2C
- OfferingSoftware
What Inflow does
Inflow (legal entity InflowPay SAS) is a Paris-headquartered payment infrastructure platform founded in December 2025 by former PayPal executive Jim Nguyen. The company provides global payment acceptance and processing infrastructure for SaaS and e-commerce businesses, agencies and freelancers, marketplaces, and an emerging segment of AI agents requiring autonomous commerce capabilities. Headcount is 1-10 with regional offices in New York and Singapore.
The platform is built on a self-custody architecture in which merchant funds are not held on Inflow's balance sheet, structurally eliminating the risk of account freezing that affects traditional processors at scale. Core technical components include a multi-acquirer smart routing engine delivering 90-95% acceptance rates versus a 75-85% industry baseline, an iframe-based PCI-DSS Level 1 certified card payment SDK (React and vanilla JavaScript), dynamic virtual IBANs for EUR (SEPA) and USD transfers, automated tax compliance for VAT/GST/sales tax, and an Automated Yield module earning 3-5% annually on merchant balance via US T-bills. The product suite includes payment links, subscriptions with Discord role integration, server-to-server card payments, webhooks, and Inflow Connect for marketplace sub-merchant onboarding with KYC/KYB. The platform distributes via self-serve API, SDK, and an enterprise direct sales motion, with documented integrations for Shopify, Discord, and Quaderno.
Inflow monetizes primarily through transaction fees at a published rate of 4% + $0.35 per transaction on its standard plan, complemented by marketplace commissions (capped at 10%), subscription billing, virtual IBAN services, and custom enterprise contracts for high-volume merchants. The company reports 500+ customers including unicorns and publicly traded companies such as Ledger and CM.COM, with claimed infrastructure capacity to process $100M+/month. A $1.1M seed round closed in April 2025 with Alliance DAO, Gnosis, Plug and Play, Rockstart, and Stake Capital; Bpifrance and Visa Accelerator followed. The defining strategic move is the May 2026 three-way launch of an agent-native commerce platform with Visa Intelligent Commerce and FPT AI Factory, positioning Inflow as B2B infrastructure for autonomous AI agent procurement workflows.
Inflow firmographics
Firmographics- Name
- Inflow
- Legal name
- InflowPay SAS
- Website
- https://inflowpay.com
- Company type
- Private
- Founded year
- 2025
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Inflow is a Paris-based payment infrastructure platform founded in December 2025, providing self-custody global payment acceptance, multi-acquirer routing, and agent-native commerce for SaaS, e-commerce, marketplace, freelancer, and AI agent customers worldwide.
- Ownership category
- akta.pro rank
Inflow industry classification
Industry- Product category
- Payment Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518210)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370), Services-Prepackaged Software (7372), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
- akta.pro secondary industries
- Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF), A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF), Cross-border Payments & FX for E-commerce (CRAFALAF), Invoice, Billing & Subscription Payments (Crypto) (FSADAIAG)
Keywords
Where Inflow is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices3 records
Markets served
Inflow business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Transaction Processing Fees: Percentage-based fees plus fixed per-transaction fee charged to merchants for processing payments. Standard rate is 4% + $0.35 per transaction with all-in transparent pricing.
- Subscription Billing: Recurring billing capabilities for merchants to charge customers on weekly, monthly, yearly, or custom intervals. Includes trial periods, entry fees, waitlists, and Discord integration.
- Marketplace Commissions: Marketplace fee (take rate) applied to gross payin amounts from sub-merchants. Configurable as percentage and/or fixed per-transaction, with rate capped at 10%.
- Virtual IBAN Services: Virtual IBAN accounts for receiving bank transfers with incoming transfers settling in stablecoin (EUR IBAN to EURC, USD IBAN to USDC).
- Enterprise Custom Pricing: Custom pricing for high-volume enterprise businesses including dedicated experts, custom integrations, white-label options, deployed engineer support, and volume-based discounts.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Standard Plan for businesses accepting global payments |
| Hybrid | Multi-year contract | Enterprise custom pricing for high-volume businesses |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels5 records
Inflow product offering
Product offeringCore offering
Inflow provides a global payment infrastructure platform for businesses, offering multi-acquirer smart routing, self-custody fund handling, virtual IBANs, card payments via SDK or API, subscriptions, and a marketplace sub-merchant onboarding solution (Inflow Connect). The platform supports global acceptance with automated tax compliance and is positioned as agent-native commerce infrastructure enabling AI agents to autonomously transact under policy controls.
Product overview
Inflow is a payment infrastructure platform for businesses that need to accept payments globally and manage payouts efficiently. The core offering includes Payment Infrastructure Platform supporting global payment acceptance, Payment Links for shareable checkout URLs, SDK Card Payments for embedded checkout, Dynamic IBANs for virtual bank accounts, Automated Yield (3-5% on balance), and Subscriptions for recurring billing. Inflow Connect provides marketplace/SaaS platform functionality for sub-merchant onboarding. The platform integrates with Shopify, Discord, and Quaderno, and supports Open Banking (SEPA, Faster Payments), card payments (Visa, Mastercard, Amex, Discover), and Apple Pay/Google Pay. The Standard plan costs 4% + $0.35 per transaction with global coverage from day one.
Differentiator
Problem solved
Functional benefit
Products and services
- Payment Infrastructure Platform Core payment infrastructure for businesses to accept payments globally with enterprise-grade processing, optimized checkout, transparent pricing, and a self-custody model ensuring no fund freezing.
- Payment Links No-code shareable payment links that redirect customers to a hosted checkout page, enabling global payment collection without building a storefront. Available via Dashboard or API.
- SDK Card Payments Drop-in card payment form via @inflow_pay/sdk package for React and vanilla JavaScript applications, using iframe-based architecture where card details are tokenized in a secure iframe for PCI compliance.
- Dynamic IBANs Virtual IBAN accounts that route incoming bank transfers directly to Inflow balance, supporting EUR (SEPA) and USD transfers. Enables receiving payments from clients or platforms that only support bank transfers.
- Subscriptions Recurring payment system supporting weekly, monthly, yearly, or custom intervals. Features include trial periods (1-365 days), entry fees, waitlist management, cycle limits, Discord role integration, coupon support, and automatic tax handling.
- Inflow Connect Marketplace and SaaS platform solution enabling platforms to onboard sub-merchants, accept payments on their behalf, take marketplace fees, and route payouts from a single integration. Includes KYC/KYB, wallet provisioning, and payout window management.
- Webhooks Real-time event notifications for payment and subscription events including payment_status_updated, subscription lifecycle events, refunds, and Connect events for marketplace operations.
- Server-to-Server Payments Full API control for collecting card details on own frontend and processing payments entirely through API. Requires PCI-compliant infrastructure and uses separate API endpoint (api-card.inflowpay.com).
- AI Agent Payment Infrastructure AI-native payment system allowing AI agents to autonomously research, procure, and pay for digital services under human-defined intent. Agents can manage budgets, hire other agents, and complete transactions like registering for hosting services or paying for databases.
- Agent-Native Commerce Platform Three-way commerce platform combining FPT AI Factory as production inference layer (25+ AI models), Inflow's commerce infrastructure for buyer and seller sides, and Visa's payment credentials and global network. Enables B2AI commerce paradigm where AI agents become a new customer type executing end-to-end procurement workflows.
Quantifiable outcome
- 53% cost savings versus competitor payment solutions, saving approximately $37,500 per year
- +4 more outcomes
Companies that use Inflow
Customer profileNamed customers9 records
Segments4 records
Ideal customer profiles4 records
Inflow technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability3 records
Feature8 records
Inflow partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- FPT AI FactorycoreThree-way collaboration to launch agent-native commerce platform enabling AI agents to autonomously research, procure, and pay for services under human-defined intent. FPT AI Factory serves as production inference layer with access to over 25 AI models, InFlow provides commerce infrastructure for buyer and seller sides, Visa provides payment credentials and global network access.
- Visa Intelligent CommercecorePartnership enabling AI agent payments for the first time by combining payment credentials with policy engine governing agent spending. Visa provides tokenization, authentication, and merchant acceptance across its global network. Positions platform as B2B infrastructure for cloud services consumed by AI agents.
- Alliance (ALL16)minorInFlow graduated from Alliance ALL16 cohort focused on stablecoin payments, AI, and RWA tokenization. Alliance is a startup accelerator providing mentorship, funding, and network access to emerging fintech projects.
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
Inflow competitors and assessment
Company assessmentBroad incumbents
- Stripe: Stripe is the dominant global payment processor offering card acceptance, Connect (marketplace/PayFac), and developer APIs. Most directly comparable incumbent to Inflow in terms of API-first payment infrastructure, but at vastly greater scale and with lower headline pricing.
- Adyen: Adyen is a global enterprise payment processor offering unified card acquiring, marketplace support (Adyen for Platforms), and high acceptance rates through its single-acquirer global platform. Comparable to Inflow's enterprise/global coverage pitch but with established banking licenses and tier-1 merchant base.
Direct peers
- Checkout.com: Checkout.com is a global payment processor with strong European roots, marketplace/platform acquiring products, and optimized acceptance routing. Closely comparable to Inflow in serving cross-border digital merchants with emphasis on conversion and acceptance rates.
- Mollie: Mollie is a European-headquartered payment processor targeting SMBs and marketplaces with multi-method checkout, transparent pricing, and developer-friendly APIs. Highly comparable in geography (Europe), customer segment (SMB/marketplaces), and product-led growth motion.
- Airwallex: Airwallex offers cross-border payments, virtual IBANs, multi-currency wallets, and merchant acquiring with global coverage. Direct overlap with Inflow's virtual IBAN-to-stablecoin flows, FX, and cross-border SMB/SaaS positioning.
- Paddle: Paddle operates as a Merchant of Record for SaaS and digital products, handling global tax compliance, subscriptions, and payouts. Comparable to Inflow's SaaS/e-commerce segment with built-in VAT/GST automation and subscription billing.
- Lemon Squeezy: Lemon Squeezy is a Merchant of Record for digital goods and SaaS, bundling payments, subscriptions, tax, and global compliance into a single integration. Comparable to Inflow's SaaS/info-product focus with similar self-serve onboarding and pricing transparency angle.
- dLocal: dLocal provides cross-border payment processing for emerging markets with localized payment methods and high acceptance rates. Comparable to Inflow's emerging-market merchant focus (e.g., HK Export Corp, Karachi Creative Solutions) and emphasis on merchants underserved by Stripe/PayPal.
Emerging players
- Skyfire: Skyfire provides payment infrastructure purpose-built for AI agents and autonomous systems, including policy controls and stablecoin settlement. Closest emerging competitor in the agent-native commerce space where Inflow is also competing via its Visa/FPT partnership.
- Coinbase Commerce: Coinbase Commerce enables merchants to accept crypto and stablecoin payments with settlement in digital assets. Comparable to Inflow's crypto/stablecoin settlement rails for merchants seeking alternatives to traditional card processing.
Market position
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Inflow social profiles
Digital presenceInflow compliance and trust
Trust signalCompliance1 record
Inflow financial estimates
Financial estimateRevenue estimate
Valuation estimate
Inflow leadership team
Management profileNumber of profiles
Profiles2 records
Inflow funding detail
Funding detailFunding overview
Funding rounds2 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Inflow M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Inflow
What does Inflow do?
Inflow provides a global payment infrastructure platform for businesses, offering multi-acquirer smart routing, self-custody fund handling, virtual IBANs, card payments via SDK or API, subscriptions, and a marketplace sub-merchant onboarding solution (Inflow Connect). The platform supports global acceptance with automated tax compliance and is positioned as agent-native commerce infrastructure enabling AI agents to autonomously transact under policy controls.
Is Inflow a public or private company?
Inflow is a private company. It is classified as venture growth investor backed and is currently operating.
When was Inflow founded?
Inflow was founded in 2025. It employs 1 to 10 people.
Where is Inflow based?
Inflow is headquartered in Paris, France, in the Europe region.
How does Inflow make money?
Five revenue lines are on record. Transaction Processing Fees are the primary driver. The others are subscription Billing, marketplace Commissions, virtual IBAN Services and enterprise Custom Pricing.
Who are Inflow's main competitors?
Broad incumbents on record are Stripe and Adyen. Direct peers are Checkout.com, Mollie, Airwallex, Paddle, Lemon Squeezy and dLocal. Emerging players are Skyfire and Coinbase Commerce.
Does Inflow have an API?
Yes. Inflow provides REST APIs for payment processing, subscription management, marketplace operations (Connect), webhooks for real-time events, and server-to-server card payments. Two API keys are used: a private key (X-Inflow-Api-Key) for server-side operations and a public key (X-Inflow-Public-Key) for the client-side SDK. The API includes sandbox/testing environment and production endpoints. Developers can integrate via SDK (React and vanilla JavaScript) or direct API calls. Available at api.inflowpay.xyz for production and api-card.inflowpay.com for server-to-server card payments. Developer documentation is at docs.inflowpay.com.
What industry is Inflow in?
Inflow's product category is Payment Infrastructure. Its primary akta.pro industry code is FSAGALAB, Embedded Payments (Pay-ins, Pay-outs, Wallets), with a secondary code of FSAGABAE, Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure. Its NAICS code is 522320 and its SIC code is 7370.