We don't just open doors, we start success stories!
eFlow introduces you to payment partners worldwide, so you can grow your business with confidence.
Struggling to open or maintain your Merchant Account?
Online merchants are often facing challenges to get approved by payment processors because their activity is not supported, their business model is percieved as too risky, their company structure is too complex, or they navigate in a highly regulated environment.
Unlock a new world of opportunities...
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Everything changes when you work with people who see potential, not problems.
Tired of searching for the right payment partner for your business?
It all starts with the right introduction.
We match online merchants with trusted payment partners
We help you connect with acquiring banks and payment service providers aligned with your business.
Scale your business
Focus on growth while working with payment partners aligned with your business.
Maximize your revenues
Access payment partners and solutions that support your performance and growth.
Keep your peace of mind
Our team helps you navigate payment options with clarity and simplicity.
20+
Partners around the globe
500K+
Early alerts to help reduce chargebacks
50+
Yearly of combined experience
4 easy steps to open a merchant account
Apply online
Fill out our online form. All submissions will be reviewed and answered within 24 hours.
Get introduced
We review your business profile and introduce you to payment partners aligned with your activity.
We make introductions, you build the relationship.
Leverage our expertise
We help you prepare your application and connect with the right partners.
Our role is to support your positioning, final decisions remain with the payment provider.
Ongoing support
We support you at every stage, from introduction to long-term growth.
Supported business models
Digital goods
Any goods that are sold, delivered, and transferred in digital form.
Physical goods
Any product that can be shipped or delivered to the customer’s address.
Subscription billing
Merchants charging customers for goods and services at predefined intervals.
Nutraceuticals
Dietary supplements and cosmetics.
Adult and Dating
MCC 5967
Other types of high risk industries
Let us know about your business.
Connect with payment partners seamlessly
Access a wide range of payment methods through trusted providers.
What our clients are saying
Trusted by online merchants worldwide
Why choose eFlow?
Expertise
Our team brings hands-on experience from the payments ecosystem, including acquiring banks and related environments.
Network
Our network of acquiring banks and payment partners enables us to connect you with solutions tailored to your business.
Transparency
We introduce you to payment providers. All agreements are concluded directly between you and the selected provider.
Book a free 15 min call
Speak with our team to understand your needs and explore the right payment partners for your business.
Submit your application
Complete a short form so we can connect you with payment partners aligned with your business.
Explore our MCC glossary now
Browse the Merchant Category Code (MCC) database to discover what they mean for your business.
Money 2020
June 2-4
Amsterdam
Frequently asked questions
It typically takes between 1 and 3 weeks. Having a complete KYC package and a compliant website can help speed up the process.
As part of the onboarding process, the acquiring bank or payment service provider will conduct due diligence, including reviewing your website, financial history, and business model.
To proceed, you will need to provide KYC (Know Your Customer) documentation required by the selected provider.
Our services are free of charge for merchants. We receive referral fees from our acquiring partners for introducing new business.
The contractual relationship is strictly between the merchant and the acquiring bank or payment service provider.
eFlow is not a party to this agreement. We do not sign contracts on behalf of any financial institution and do not act as a technical provider or participate in transaction or fund flows.
All payment services are provided directly by the selected provider, which also settles funds to the merchant.
Our role is limited to making introductions, we do not handle payments or assume any contractual responsibility in the payment relationship.
We work with a global network of acquiring banks and payment service providers. While our roots are in Europe, we support merchants across multiple regions through our partner network.
An Independent Sales Organization (ISO) helps businesses connect with acquiring banks and payment service providers.
Its role is to facilitate introductions and support commercial relationships — not to provide payment services.
Integration is handled directly by the selected payment provider, typically via payment gateways or certified third-party solutions.
Some providers also offer direct integration options.
eFlow does not provide technical integration or participate in transaction processing.
We facilitate introductions to the appropriate providers based on your needs.
Have a look at our resources hub
Get started with eFlow today