Pay a business
Find any FM Merchant business
Every approved business can claim a FlowMoney handle such as @mybusiness. Search for it, review the verified profile, and pay in seconds — no account needed.
Pay by handle
Send any amount to @business with a card, FlowMoney balance, crypto or Lightning.
Pay an invoice
Have an invoice? Open it from its link, or find it with the invoice number and email.
Pay in person
Businesses use FM Merchant Register on their phone, then email your receipt.
Buy on a website
Merchants can embed FM Merchant checkout on their own site with the developer API.
All payments run in sandbox. No real card is charged.