About
Merchant services for the business you are building right now.
FM Merchant, powered by FlowMoney, exists for the millions of people who sell, serve and create without a registered company behind them yet.
There's no business like your business.
Traditional payment providers ask for an LLC, an EIN and a business bank account before they will even open a conversation. That order is backwards. Most businesses start as an idea, a side project, a first invoice.
FM Merchant flips it. Create a free account, build your merchant profile, prepare payment tools and track your setup — then complete identity verification when you are ready to accept live payments.
We are building this in phases. Phase 1 delivers the website, registration, dashboard, business tools and demonstration payment interfaces, with live processing deliberately switched off.
Access before paperwork
You should not need a company to start taking your business seriously. Register free, then formalize when the time is right.
Built on Polygon
Settlement infrastructure designed for speed and low cost, with transparent rails for future FlowMoney and crypto payments.
Guidance, not gatekeeping
Make My Business Flow gives you LLC, EIN, licensing and bookkeeping resources at no cost — the same tools agencies charge for.