eFLOW Payments – Merchant Services
  • 06/08/2017
  • merchant@world
  • 3/5 (7)


eFLOW Payments provides payment processing services tailored more towards small businesses. These include free credit card terminal, mobile card reader and free processing software for a Point of Sale system. 

Retail Rates 0.98%-1.98%

eFLOW offers a lot of different services which are specifically geared towards small business owners. 

eFLOW Payments Review

Provider Overview

eFLOW Payments is a credit card processing firm that specializes in low-cost, hassle-free payment solutions. The company takes particular interest in helping small startup companies grow and offer some of the lowest rates in the industry.

eFLOW Payments accepts all major credit cards, debit, chip cards, NFC payments, and Instant through QuickBooks.

Best Features:

  • Low industry rates, as low as 0.17%
  • Get FREE payment gateway OR credit card reader on signup
  • FREE terminal, POS, and software
  • 98% acceptance rate
  • Low rate guarantee
  • Cash advances & business loans

Things You’ll Like:

  • 24/7, 365-day customer service
  • net secure online gateway
  • Free setup consultation
  • Focus on startup and small business models
  • Check guarantees
  • Gift card & loyalty programs
  • Online ordering for restaurants

Who Would Like This?:

Small businesses and startups that are just starting out and need something with low rates and can provide assistance in growing the business. Getting free hardware and software to start is a great perk as well for a new business.

Signing Up:

The signup process is very simple in that the website is basically just an opt-in form that allows customers to request a consultation for account setup. Signup can be done over the phone with a representative and is typically approved within the same day.


The rates the client gets is determined by multiple variables such as the current rates the merchant is paying to his or her original provider, the evaluation of the merchant’s needs versus the rates available, and any additional services the merchant wants from eFLOW Payments.

Ease of Use:

eFLOW Payments offers great ease of use when signing up as the process is very simple with a representative available to help get you approved within the same day. Representatives are available 24/7, 365 days to help clients fill in their informations and answer questions. The extra business features focused around small and startup businesses are very useful for companies just starting out, but the appears to be a lack of transparency about eFLOW’s fees.

3/5 (7)

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4 comments on “eFLOW Payments – Merchant Services

Sally Wells
Contributing Editor

We know how time consuming it is to choose the right card processing provider so we did all the hard work for you. We collected user reviews from the top merchant services to help you decide with card processing company is right for you. Choosing the right provider will save you time while you work on growing your business. 

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