Flo2Cash
Flo2Cash is a privately-held New Zealand payments platform founded in 2003 that processes recurring and one-off card and direct debit payments. It primarily serves not-for-profit organizations and businesses across Australia and New Zealand, with PCI DSS Level 1 and ISO 27001 certifications.
- Company typePrivate
- Founded2003
- HeadquartersSydney, Australia
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Flo2Cash does
Flo2Cash is a privately-held New Zealand payment technology company founded in 2003 and headquartered in Auckland, with additional office presence in Australia and India. It operates a unified payments platform that combines a payment gateway, virtual terminal, recurring payment plans, branded checkout pages, paylinks, batch processing, and an API for custom integrations. Core technical capabilities include direct debit and credit/debit card processing, an auto-retry system for failed payments (up to 7 attempts), fraud-protection algorithms, rule-based transaction processing, and compliance with PCI DSS v4.0 Level 1 and ISO/IEC 27001 standards. The company serves more than 1,500 clients and processes over $30M in transactions monthly across 14 countries represented by team members, despite a primary focus on the Australia and New Zealand markets.
Flo2Cash's go-to-market combines enterprise field sales with a structured partner and referral program spanning platform integrators, CRM providers, fundraisers, consultants, and developers. Its customer base is anchored by not-for-profit and charitable organizations — including the Salvation Army New Zealand, Amnesty International Aotearoa New Zealand, KidsCan, Forest & Bird, Breast Cancer Foundation NZ, Oxfam, UNICEF, and SPCA — alongside commercial clients in education, healthcare, and banking such as Kiwi Bank, NZEI, Unitec, and HRI. Pricing is quote-based with differentiated tiers: a not-for-profit tier emphasizing direct-debit-led cost efficiency, and an enterprise/high-volume business tier with managed accounts, dedicated support, and bundled features.
The company generates revenue primarily through transaction processing fees on card and direct debit payments, supplemented by recurring billing services and branded payment page offerings. Distribution is multi-channel, combining direct enterprise sales with self-serve branded-page deployment (deployment in under 10 business days), partner integrations with e-commerce, analytics, and billing platforms, and content marketing via case studies, an articles hub, and SEO-optimized educational resources. Headcount stands at 50+ team members, and the company continues to invest in compliance certifications (ISAE 3402 / SOC 1 readiness) and ecosystem partnerships to support expansion beyond its ANZ core.
Flo2Cash firmographics
Firmographics- Name
- Flo2Cash
- Legal name
- Flo2Cash Limited
- Website
- https://flo2cash.com
- Company type
- Private
- Founded year
- 2003
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Flo2Cash is a privately-held New Zealand payments platform founded in 2003 that processes recurring and one-off card and direct debit payments. It primarily serves not-for-profit organizations and businesses across Australia and New Zealand, with PCI DSS Level 1 and ISO 27001 certifications.
- Ownership category
- akta.pro rank
Flo2Cash industry classification
Industry- Product category
- Payment Processing Platform
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Direct Debit / ACH Collections & Recurring Billing (FSAMAGAE)
- akta.pro secondary industries
- A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF), Request-to-Pay (R2P) & Pay Links (FSAMAFAE)
Keywords
Where Flo2Cash is headquartered
LocationHeadquarters
- HQ city
- Sydney
- HQ country
- Australia
- HQ region
- Oceania
Offices3 records
Markets served
Flo2Cash business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Transaction Processing Fees: Flo2Cash charges transaction fees for processing payments including credit/debit cards and direct debits. Fees vary based on payment method (direct debits are more cost-effective than credit cards for NFPs) and customer type.
- Recurring Payment Services: Subscription and recurring billing services for memberships, subscriptions, regular giving, and payment plans. Supports recurring payments via credit/debit cards and local bank accounts.
- Branded Payment Pages: Custom-branded payment pages and checkout experiences, potentially as a premium tier service for organizations requiring bespoke design and functionality.
- Not-for-Profit Pricing: Special competitive pricing options for not-for-profits and charitable organizations for both one-off and recurring donations, with emergency appeal assistance capabilities.
- Enterprise/Business Pricing: Simple, straightforward pricing for enterprises and high-volume businesses looking to process one-off or recurring payments with managed accounts and dedicated support.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Not-for-profit pricing tier for charitable organisations and NFPs looking for one-off and recurring donations |
| Subscription | Monthly | Startup and established business pricing for enterprises and high-volume businesses |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
Flo2Cash product offering
Product offeringCore offering
Flo2Cash provides a unified payments platform that enables businesses and not-for-profits to accept recurring and one-off payments via credit/debit cards and direct debits. The offering combines a payment gateway, risk management, fraud protection, and PCI-compliant compliance tooling with branded checkout pages, an auto-retry system for failed payments, batch processing, and an API for custom integrations. It is targeted at not-for-profit organisations and enterprises across Australia and New Zealand that need automated recurring billing and direct-debit collections.
Product overview
Flo2Cash is a payments platform built as a unified product with multiple integrated modules. The core offering consists of the Payments Platform (which includes Virtual Terminal, Payment Plans, Paylinks, and API access) and Branded Payments (offering custom payment pages). Direct Debit Payments is a key payment method feature. The platform specializes in recurring payments and serves not-for-profits, startups, and established businesses across Australia and New Zealand.
Differentiator
Problem solved
Functional benefit
Products and services
- Payments Platform Unified payments platform that enables businesses and not-for-profits to accept recurring and one-off payments across online, in-app, and in-store channels; combines a payment gateway, risk management system, and compliance features (PCI DSS v4.0 Level 1) in one platform.
- Branded Payments Custom-branded payment pages and checkout experiences with personalised design that reflect the merchant's brand identity, including pre-built templates, bespoke design options, a drag-and-drop page builder, and split testing capabilities to increase conversion rates.
- Flo2Cash API Developer API enabling custom front-end integration with full control of the payment workflow, including checkouts, encrypted card management, recurring payment plan monitoring, batch uploads for one-time card payments, and built-in fraud-prevention compliance.
Quantifiable outcome
- 45,000 recurring gifts processed quarterly for Forest & Bird alone
- +3 more outcomes
Companies that use Flo2Cash
Customer profileNamed customers9 records
Segments3 records
Ideal customer profiles3 records
Flo2Cash technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature10 records
Flo2Cash partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- Platform IntegratorscorePlatform integrators work with Flo2Cash to simplify their clients' payments flow. They offer clients a flexible solution no matter what their size or sector. Instead of a complex patched-together system, the Flo2Cash platform simplifies payments, providing a payment gateway, risk management system, and compliance all rolled into one.
- CRM ProviderscoreCRM providers integrate with Flo2Cash to enable seamless payment processing within their customer management systems. Allows clients to optimize at every stage of the payments flow and grow their business online and in-store.
- DeveloperscoreDevelopers integrate with Flo2Cash's platform to build custom payment solutions. The API allows building custom front-ends with full control of payment workflow, integrating checkouts, managing encrypted cards, and monitoring recurring payment plans.
- ConsultantsminorConsultants work with Flo2Cash to help their clients improve business payment flows. Part of the referral program where consultants can earn rewards when a referred business starts transacting.
- FundraiserscoreFundraisers partner with Flo2Cash to process donations and recurring contributions for charitable organizations. Supports various payment types including direct debits and credit cards with competitive NFP pricing.
- E-commerce PlatformscorePartner integrations with popular e-commerce platforms enable seamless connectivity to Flo2Cash's payment ecosystem. Allows merchants to accept payments through their existing e-commerce infrastructure.
- Billing ApplicationscoreBilling application integrations enable seamless recurring billing and invoicing with Flo2Cash payment processing. Supports batch uploads for one-time and recurring payment plans.
- Qualified Security Assessors (QSA)coreQSA firms approved by PCI Security Standards Council perform annual PCI DSS assessments. Flo2Cash recommends merchants consult QSA firms for PCI requirements guidance and obligations understanding.
- Approved Scanning Vendors (ASV)coreASVs like Qualys perform external network vulnerability scans as required for PCI DSS compliance. Quarterly scans required for merchants to achieve PCI compliance.
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
Flo2Cash competitors and assessment
Company assessmentDirect peers
- Windcave: New Zealand-headquartered payment processor serving ANZ with online, in-store, and recurring payment solutions. Closest geographic and product peer to Flo2Cash, including direct debit and merchant acquiring.
- POLi Payments: ANZ online banking-based payment service competing head-to-head with Flo2Cash for online checkout and recurring billing use cases across New Zealand and Australia.
- eWAY: Australian payment gateway provider offering online card processing, recurring billing, and API access for SMBs and enterprises — directly comparable product set to Flo2Cash.
- Ezidebit: Australia-focused direct debit and recurring payment specialist serving membership, subscription, and NFP verticals. Highly comparable recurring-billing niche.
- GoCardless: Global direct debit and recurring billing platform focused on bank-to-bank payments. Comparable recurring-payments technology and value proposition, with broader geographic reach.
- Pin Payments: Australian payment processor offering card acceptance, recurring billing, and APIs to SMBs. Directly comparable product surface to Flo2Cash for ANZ merchants.
Broad incumbents
- Stripe: Global payments platform offering gateway, recurring billing (Stripe Billing), and branded checkout. Increasingly competing in ANZ with self-serve transparent pricing that pressures Flo2Cash's sales-led model.
- Adyen: Global enterprise payments platform serving large merchants with unified online and in-person processing. Represents the incumbent competitive threat Flo2Cash faces if it moves upmarket.
Emerging players
- Givebutter: Modern NFP fundraising and donation platform with built-in payment processing. Adjacent competitor to Flo2Cash in the charity/NFP segment that bundles fundraising workflows with payments.
- Funraise: NFP-focused fundraising platform with native payment processing for recurring gifts and donations. Comparable NFP vertical focus and overlapping donor management + payment capabilities.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks7 records
Key highlights6 records
Customer concentration
Flo2Cash social profiles
Digital presenceFlo2Cash compliance and trust
Trust signalCompliance3 records
Flo2Cash financial estimates
Financial estimateRevenue estimate
Valuation estimate
Flo2Cash leadership team
Management profileNumber of profiles
Flo2Cash funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Flo2Cash 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 Flo2Cash
What does Flo2Cash do?
Flo2Cash provides a unified payments platform that enables businesses and not-for-profits to accept recurring and one-off payments via credit/debit cards and direct debits. The offering combines a payment gateway, risk management, fraud protection, and PCI-compliant compliance tooling with branded checkout pages, an auto-retry system for failed payments, batch processing, and an API for custom integrations. It is targeted at not-for-profit organisations and enterprises across Australia and New Zealand that need automated recurring billing and direct-debit collections.
Is Flo2Cash a public or private company?
Flo2Cash is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Flo2Cash founded?
Flo2Cash was founded in 2003. It employs 11 to 50 people.
Where is Flo2Cash based?
Flo2Cash is headquartered in Sydney, Australia, in the Oceania region.
How does Flo2Cash make money?
Five revenue lines are on record. Transaction Processing Fees are the primary driver. The others are recurring Payment Services, branded Payment Pages, not-for-Profit Pricing and enterprise/Business Pricing.
Who are Flo2Cash's main competitors?
Direct peers on record are Windcave, POLi Payments, eWAY, Ezidebit, GoCardless and Pin Payments. Broad incumbents are Stripe and Adyen. Emerging players are Givebutter and Funraise.
Does Flo2Cash have an API?
Yes. Flo2Cash offers an API that enables developers to build custom front-ends and have full control of their payment workflow. The API supports integrating checkouts, managing encrypted cards, monitoring recurring payment plans, and processing payments. API features include: automatically collecting recurring payments from credit/debit cards and local bank accounts, batch uploads for one-time card payments, built-in compliance for fraud prevention, and comprehensive settlement reporting. Availability: Payment Plans, Custom Checkout.
What industry is Flo2Cash in?
Flo2Cash's product category is Payment Processing Platform. Its primary akta.pro industry code is FSAMAGAE, Direct Debit / ACH Collections & Recurring Billing, with a secondary code of FSAMAFAF, A2A Checkout & Merchant Acceptance Solutions. Its NAICS code is 522320 and its SIC code is 6153.