Kinetic Flow
Payment Features, Deep Dive
Every feature you need to build, launch, and scale payment products — from multi-rail routing to PCI-compliant vaulting.
Multi-Rail Payment Processing
Process payments across FedNow, RTP, ACH, SWIFT, and card networks through a single unified API. Smart routing selects the optimal rail based on speed, cost, and availability.
Set routing preferences per payment or let Flow's engine optimize automatically. Fallback rails ensure delivery even during outages.
Webhook Event System
Real-time event delivery for every payment state change. HMAC-SHA256 signed payloads, automatic exponential backoff retries, and a full event log with replay capability.
Filter events by type, replay failed deliveries, and monitor webhook health from your dashboard.
PCI-Compliant Card Vaulting
Securely tokenize and store card data with PCI-DSS Level 1 compliance. Network tokens automatically update when cards are reissued, reducing decline rates.
Account updater keeps stored cards current automatically. Tokens are portable across your payment processors.
Idempotent API Design
Every Flow endpoint is idempotent. Retries are safe, duplicate detection is automatic, and exactly-once semantics are guaranteed at the infrastructure level.
Pass an Idempotency-Key header with any request. Same key, same response — guaranteed.
SDKs & Client Libraries
First-class SDKs auto-generated from OpenAPI 3.1 specs and hand-tuned for idiomatic usage. TypeScript, Python, Ruby, Go, Java, and .NET.
Type-safe clients with auto-completion, built-in retry logic, and configurable timeouts.
Compliance & Reporting
Built-in OFAC screening, transaction monitoring, and automated reporting. Meet regulatory requirements without bolting on third-party compliance tools.
Real-time sanctions screening on every payment with sub-10ms overhead. Configurable risk rules and alert thresholds.
Built for Performance at Scale
Flow is built on Erlang/OTP — the same runtime that powers telecom infrastructure processing billions of messages with five-nines reliability.
P50 response time across all endpoints, measured at the edge
Processing capacity that scales horizontally with zero config changes
Backed by financial SLA credits. Actual uptime exceeds 99.995%