Payments & POS
Card processing for every kind of business.
Merchant accounts and POS systems for everyday small businesses and for the categories mainstream processors decline. We prepare applications the way underwriters read them.
What we handle
Processing support, start to finish.
Approval is only the first step. Most account problems trace back to how the account was set up, so we stay involved after it goes live.
Application & underwriting
The right bank for your category, an accurate merchant category code and descriptor, realistic volumes, and a complete file.
Compliance review
Website policies, age verification where required, and product claims that won't trigger a compliance review.
POS & gateway setup
Terminals, POS systems and online gateways configured and tested before your first sale.
Statement reviews
A clear read of your effective rate and fees, and whether switching is worth it.
Reserves & chargebacks
Guidance on reserve terms, funding schedules and chargeback prevention and response.
Backup accounts
A second processing relationship so a single account review never stops your sales.
Why Flow State
We've been the high-risk merchant.
We've run high-risk merchant accounts for our own product lines, with the rolling reserves, delayed funding and compliance reviews that come with them. That experience shapes how we prepare your application and how we support the account once it's live.
We also sell into the same retail categories we place, so we understand how smoke shops, vape stores and specialty retailers actually take payments at the counter.
Account types
Two tracks.
Everyday merchants
Small business processing
Retail, restaurants, salons, contractors, professional services and online stores.
- Countertop, mobile and tap-to-pay terminals
- Online gateways and invoicing
- Cash discount and dual pricing
High-risk merchants
Hard-to-place accounts
Categories that mainstream processors decline, placed with banks that underwrite them knowingly.
- Vape, e-cigarette and tobacco
- Smoke shops
- Kratom and kava
- Hemp, CBD and THCA
- Supplements and nutraceuticals
Point of sale
KORONA POS, sold and supported by us.
We sell KORONA POS by COMBASE directly and handle the rollout: hardware, product and inventory setup, payment integration and staff training.
KORONA POS by COMBASE · sold & supported by Flow State
A cloud point-of-sale system built for specialty retail, and a strong fit for smoke shops, vape stores, convenience stores and multi-location retailers.
- Built-in age verification for restricted products
- Inventory by unit, pack and carton, across locations
- Customer loyalty and promotions
- Works with the processor that approves your category
- Sales and inventory reporting from anywhere
KORONA POS and COMBASE are trademarks of COMBASE.
Sold and set up by Flow State
One contact for the POS and the merchant account, so the system and the payments are configured together.
Cliqbux
Point of sale and payments for small merchants who want a simple setup.
Vivid Commerce
POS and commerce tools for merchants selling in store and online.
Preparation
What to have ready.
A complete file is the biggest factor in approval speed.
- Business formation documents and EIN letter
- Voided check or bank letter for the business account
- Government ID for each owner with 25% or more
- Three to six months of processing statements, if applicable
- Website with product pages, pricing, and refund, shipping and privacy policies
- Product list, plus lab reports for regulated products
FAQ
Common questions
Can you guarantee approval?
What's a reserve, and will I have one?
What is cash discount or dual pricing?
Do you work with hemp and THCA businesses?
I already have a processor. Why switch?
Work with us
Send us your statement.
Request a quote for a new account, or an independent review of what you pay today.