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Cashflows
A clear look at Cashflows’ smart payment and cash flow tools, with expert comparison from Independent Merchant Services to help you reduce costs and improve business cash flow
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Cashflows Merchant Services
Cashflows is a new breed of fintech payments company that offers innovative financial tools to help businesses manage their cash flows and improve their overall financial health. Designed to support small to medium-sized enterprises (SMEs) and corporates across Europe, Cashflows provides a secure and flexible platform for processing payments both online and in-store. Cashflows' people work hard to understand customer needs and deliver effective payment solutions. Their approach combines the latest technology with a deep understanding of customer needs, enabling businesses to gain greater control over their cash flow and payment process management.
What Payments Company Cashflows Offers
services, and flexible payment solutions tailored to specific business requirements. Their platform facilitates seamless cash flow monitoring by integrating real-time transaction data from all transactions and providing detailed cash flow forecasts. This enables businesses to better manage their net cash flow, ensuring they maintain a positive cash flow position and avoid common pitfalls associated with negative cash flow periods. Monitoring spending is also crucial for maintaining a positive cash flow position, as it helps prevent cash shortfalls and supports strategic investments.
Key Features of Cashflows
Cashflows is designed to empower businesses with a comprehensive suite of tools that streamline payment processing and enhance cash flow management. By leveraging advanced technology and real-time data integration, Cashflows helps companies gain clearer insights into their financial operations, enabling smarter decisions and improved financial health.
- Comprehensive cash flow forecasting tools to anticipate future cash positions. The benefits of cash flow forecasting include providing clarity and insights that enable proactive decision-making to manage financial health effectively.
- Financial dashboards displaying net cash, operating cash flow, and financing activities.
- Risk management systems to identify and mitigate cash flow risks.
- Integration with accounting software for automatic cash flow statement updates.
- Support for multiple payment types including chip & PIN, contactless, mobile payments, and pay-by-link.
- Advanced reporting tools for detailed analysis of investing activities, capital expenditures, and operating activities, helping businesses determine their overall financial position.
- Secure, PCI-compliant payment processing powered by the latest technology.
Cashflows offers a robust and flexible platform that not only simplifies payment processing but also provides valuable tools to help businesses maintain a healthy cash flow and make informed financial decisions.
Pros and Cons
When choosing a fintech payments company to manage your cash flows, it’s important to weigh the advantages and potential drawbacks. Cashflows offers a modern, technology-driven approach designed to streamline payment processing and enhance financial insight for businesses. Below is a summary of the key pros and cons to help you decide if Cashflows aligns with your company’s needs.
Advantages
- Provides a holistic view of your company's financial health with detailed cash flow insights.
- Cash flow analysis is a key indicator of financial health but should be considered with other metrics.
- Enables better decisions with accurate cash flow forecasts and real-time data.
- Supports multiple payment methods, enhancing customer experience.
- Strong compliance and security focus.
- Flexible pricing models suitable for various business sizes and industries.
Disadvantages
- May require some onboarding time for businesses new to fintech payment platforms.
- Pricing details are not always publicly available, requiring direct consultation.
Pricing
Cashflows typically offers customized pricing based on the specific needs of the business, transaction volumes, and the types of payment services used. Fees are typically quoted in dollars or local currency, depending on the business location and transaction requirements. While exact fees are not publicly disclosed, businesses can expect competitive rates aligned with industry standards, with options for scalable packages designed to optimize cash flow management and payment processing costs. Cashflows aims to deliver value by helping businesses optimize their cash flow and reduce payment processing expenses, supporting better financial analysis and strategic decision-making.
Who Cashflows Suits
Cashflows is ideal for SMEs and corporates seeking to improve their cash flow management through advanced payment processing solutions. Roles such as Account Manager or Account Executive can leverage Cashflows to streamline financial operations and manage business accounts more efficiently. It suits businesses across retail, hospitality, ecommerce, and professional services sectors that require reliable, secure, and flexible payment infrastructure to support their growth and financial stability. Effective cash flow management with Cashflows helps ensure stable revenues and supports ongoing business growth.
Industry Use Cases
Retail: Businesses sell products or services directly to customers, and integrated point-of-sale systems with real-time payment tracking help manage cash flow from these sales.
Hospitality: Efficient handling of deposits, cancellations, and no-shows with upfront payment solutions, including paying refunds or other payments as needed, to protect income.
Ecommerce: Secure online payment gateways with detailed cash flow forecasts to manage sales revenue and expenses.
Professional Services: Transparent invoicing and payment collection, improving net cash flow and reducing outstanding receivables.
Alternatives to Cashflows
Businesses may also consider similar cash flow management and payment processing providers such as Square, Worldpay, Stripe, and Elavon. Investors often review cash flow management solutions from these providers to assess a company's financial health and stability. Each offers unique features and pricing structures, so comparing options is recommended to find the best fit. When comparing providers, businesses should sum up the features, pricing, and support options to make an informed decision.
Leading Alternatives to Cashflows
Square
Square is known for its user-friendly point-of-sale systems and clear pricing, popular among small businesses. It offers tools to manage cash flow, including mobile payments, invoicing, and inventory management, along with funding solutions to support business growth.
Elavon
Elavon provides secure payment processing with a focus on compliance and risk management. Supporting multiple payment types, it helps businesses optimize cash flow by ensuring timely transactions and reducing payment risks.
Worldpay
Worldpay is a global payment processor offering scalable solutions across industries. Features include fraud protection, multi-currency support, and detailed reporting to help businesses maintain healthy cash flow and streamline payments.
Selecting the right cash flow management and payment processing provider depends on your business’s specific needs, size, and industry. Providers like Cashflows, Square, Elavon, and Worldpay each bring valuable features and capabilities to the table. Evaluating these options carefully will help you find a solution that not only supports your current financial health but also enables you to monitor your net flows and scales with your business’s future growth.
Integration and Technical Setup
Cashflows integrates smoothly with popular accounting software and banking platforms to automate data flows and update cash flow statements accurately. Integration with accounting software also allows businesses to track assets, such as securities or long-term assets, and understand their impact on cash flow.
Its API-driven architecture allows businesses to connect their existing financial systems, enabling seamless processing of sales, payments, and financial reporting. Automated updates can include calculations for depreciation, a non-cash expense that affects financial reporting and cash flow analysis.
Customer Reviews and Reputation
Cashflows is well-regarded for its innovative approach to payments and cash flow management. Users appreciate the platform’s ease of use, robust security measures, and the ability to gain more control over their cash position. The company’s commitment to understanding customer needs and providing tailored solutions contributes to its positive reputation in the fintech payments space.
How Independent Merchant Services Supports UK Businesses with Payment Gateway Selection
At IMS, we serve as an independent adviser to UK businesses seeking the right payment gateway by offering:
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FAQs about Cashflows
Here are 10 common questions and answers about Cashflows
By providing real-time transaction data and integrating with accounting systems, Cashflows enables businesses to generate accurate cash flow forecasts, helping them anticipate periods of positive or negative cash flow.
Yes, Cashflows supports chip & PIN, contactless, mobile payments, pay-by-link, and online payments to cater to diverse customer preferences.
Absolutely. Cashflows offers flexible solutions that scale with business growth, making it a good choice for startups and established companies alike.
Cashflows is PCI-compliant and uses the latest security technologies to ensure safe and secure payment processing.
Cashflows is well-suited for industries such as retail, hospitality, ecommerce, and professional services, providing tailored payment solutions to meet their specific cash flow needs.
Yes, Cashflows integrates smoothly with popular accounting and banking platforms, allowing automatic updates to cash flow statements and streamlined financial reporting.
Cashflows incorporates advanced risk management systems to identify potential cash flow risks and help businesses mitigate them effectively.
Yes, Cashflows supports multiple currencies and cross-border payment processing, enabling businesses to expand globally with ease.
Cashflows provides dedicated customer support, assisting businesses throughout onboarding and ongoing operations to ensure smooth payment processing.
Yes, Cashflows offers flexible and scalable pricing models designed to suit different business sizes and industries, with customised packages based on transaction volumes and service needs.
Get a Comparison
To find out if Cashflows is the right fit for your business, consider requesting a free payment gateway comparison through Independent Merchant Services. Their expert team can help you evaluate Cashflows alongside other providers, ensuring you choose the best solution for your cash flow and payment processing needs.
Roger Milne Founder and CEO of Independent Merchant Services, has helped UK businesses access better payment gateways and lower transaction costs since 2012 through transparent advice and exclusive provider rates.
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