Forex payment processing without the intermediary stack
Broker payments fail twice: issuers decline the deposit, then conversion and PSP layers eat 3 to 5% of what gets through. Flint collects deposits in stablecoins, final on-chain, in any country your clients trade from.
Why forex payments cost more than they should
Forex is high-risk by category, not conduct
Brokerages sit under MCC 6211 on nearly every acquirer's restricted list. Chargebacks from losing traders, cross-border volume, and regulatory exposure put you there before an underwriter reads a word of your application.
Multi-currency settlement leaks fees at every hop
A client deposits in EUR, the PSP settles in USD, you fund trading capital in a third currency. Each conversion carries a 1 to 3% FX markup, and cross-border interchange adds up to 1% more.
The intermediary stack compounds
High-risk brokers rarely get direct acquiring. Deposits route through 2 or 3 intermediaries, each adding 1 to 2%, each able to hold funds, and each a separate point of failure.
Banking hours don't match trading hours
Markets open Sunday 5pm New York time. Wires and card settlement are closed. A client who can't fund before the Asian open trades somewhere else, and rollover into a new week finds accounts underfunded.
How Flint moves broker deposits
One conversion instead of three
Clients deposit in USDT or USDC. Funds arrive dollar-denominated with no FX hop, no cross-border interchange, and no intermediary margin stacked on top.
Deposits that are final
On-chain payments have no dispute mechanism. A trader who blows an account cannot charge back the deposit, which is the single largest loss category on broker card processing.
24/7 settlement
Crypto doesn't keep banking hours. Sunday night funding before the open works exactly like Tuesday afternoon funding.
Every client country, one integration
No per-region PSP contracts, no issuer decline map. If the client holds crypto, the deposit clears, whether they're in London, Lagos, or Manila.
API-first crediting
Create payment requests from your client portal, redirect to hosted checkout, credit the trading account on the signed confirmation webhook. Most platforms integrate in a day.
Pick your plan
Monthly fee plus a rate per sale. Upgrade when volume picks up.
Starter
Free to start validating ideas.
Fees
5.00% + 50¢ per transaction
Features
- All features to sell
- Standard support
Pro
For builders & early teams.
Fees
3.80% + 40¢ per transaction
Features
- All features on Starter
- Preview access to new features
- Prioritized support
Growth
For scaling startups.
Fees
3.60% + 35¢ per transaction
Features
- All features on Pro
- Preview access to new features
- Prioritized support
Scale
For fast growing businesses.
Fees
3.20% + 25¢ per transaction
Features
- All features on Growth
- Dedicated account manager
- Custom SLAs
Broker payment questions, answered
Why is forex classified as high-risk payment processing?
Three reasons stack: traders dispute deposits after losses, so chargeback ratios trend toward the 0.9% network threshold; deposit volume is heavily cross-border, which issuers score as fraud risk; and regulators in several markets restrict retail FX outright. Acquirers respond with declines, reserves of 5 to 15%, and rates of 4 to 6%.
How does multi-currency settlement work on crypto rails?
Stablecoins collapse the currency question. A client anywhere deposits USDT or USDC, the amount is locked at checkout against your quoted price, and you receive dollar-denominated funds directly. There is no correspondent bank chain and no FX spread taken at each hop.
What about weekend funding and rollover?
On-chain settlement runs continuously. Clients can top up margin on Saturday and the funds confirm in minutes, which removes the Monday-morning margin call cluster that card and wire rails create.
Can deposits be charged back?
No. Crypto deposits are push payments with on-chain finality. Refunds and withdrawals are actions you take from your own balance under your own policy, not reversals imposed by an issuing bank.
Does this change my licensing or KYC obligations?
No. Your license, client verification, and reporting obligations come from your regulator and stay exactly as they are. Flint is the deposit rail, not a compliance shortcut.
What does Flint cost a brokerage?
The same published pricing every industry gets, from 5.00% + 50¢ on the free plan down to 3.20% + 25¢ on Scale. No high-risk surcharge, no reserve, no intermediary margins. For most brokers that undercuts the effective 4 to 6% plus reserve they pay on cards.