Kinetic Flow — Case Studies
Payments That Move Business Forward
See how platforms are using Flow to process billions in payments with fewer declines, faster settlement, and lower costs.
PayRight
Payroll PlatformPayRight switched from legacy ACH processing to Flow's multi-rail API, reducing payment settlement from 3 days to under 1 second with FedNow.
Challenge
3-day ACH settlement meant employees waited too long for earned wages. Unreliable batch processing caused missed pay runs.
Solution
Integrated Flow's real-time payment API with smart routing. FedNow for instant disbursement, ACH as fallback for edge cases.
“Flow's smart routing changed our business. Employees get paid instantly, and we don't have to manage rail selection logic ourselves.”
Cartly
E-Commerce PlatformCartly migrated their payment processing to Flow, reducing checkout drop-off by 23% with network tokenization and cutting card decline rates in half.
Challenge
High card decline rates and checkout abandonment. Stored card data required expensive PCI compliance infrastructure.
Solution
Deployed Flow's card vaulting with network tokens. Account updater keeps stored cards current, dramatically reducing declines.
“We eliminated our PCI infrastructure overnight. Flow handles vaulting and tokenization — we just pass a token and forget about it.”
RemitFlow
Cross-Border PaymentsRemitFlow built their entire international remittance platform on Flow, supporting 40+ countries with automatic SWIFT and domestic rail routing.
Challenge
Needed to support cross-border payments with varying rail requirements per country. SWIFT integration was complex and fragile.
Solution
Used Flow's multi-rail API with SWIFT for international and domestic FedNow/ACH for US legs. Smart routing handles complexity automatically.
“Building cross-border payments is insanely complex. Flow abstracted away the rail-level complexity so we could focus on our remittance product.”