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Welcome to the Flowe Developer Portal

This portal is your complete technical reference for integrating with the Flowe Embedded Finance platform. Whether you are building a wallet-based payment network for your customers or issuing co-branded cards under a BIN Sponsorship model, you will find everything you need here: conceptual guides, integration flows, and full API references.

What's in this portal

The documentation is organized in two main sections, each covering a distinct technology platform:

Wallets

Wallet & Payment Network

Build a closed-loop payment network with instant Account-to-Account transactions, multi-method top-up (SDD, SCT, cash, loyalty, welfare), and a fully customizable user onboarding flow.

Cards

Card Issuing & BIN Sponsorship

Issue debit or credit cards under a BIN Sponsorship model on Visa, Mastercard, and Diners networks. Covers the full card lifecycle: creation, authorization (O2I), 3DS/SCA, clearing, and PIN management.

Both platforms expose a set of REST APIs and an asynchronous Message Broker (Azure Service Bus) for event-driven integrations. The API Documentation section provides the complete interactive reference for all endpoints.

Quick start path

If you are integrating for the first time, follow this recommended path:

1
Authenticate

Get your credentials and obtain a JWT via OAuth2 on Azure. Read the Auth guide ->

2
Choose your platform

Start with P1 Wallet for payment networks, or P2 Card Issuing for card programs.

3
Read the guides

Understand the data model, key actors, and integration flows before calling any API.

4
Use the How-To

Follow step-by-step recipes for the most common operations: wallet creation, top-up, payments, card issuance.

Before you start

  1. Contact developer@flowe.com to request your sandbox credentials (PARTNER_CLIENT_ID, PARTNER_CLIENT_SECRET, FLOWE_AZURE_TENANT, PARTNER_AUTHKEY).
  2. Review the Authentication page to set up your token flow for both REST APIs and the Message Broker.
  3. Consult the API Documentation to explore the available endpoints in your assigned tier (sandbox / test / production).

By integrating with the Flowe platform, you agree to the Flowe Business API Terms of Use. For questions or technical support, contact our technical team.