Flint Review

Overall Rating Breakdown
Sales & Marketing Tactics
Costs & Contract Terms
Complaints & Service
BBB Rating

Overall Rating

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flint logo

Flint Logo

Flint (flint.com) is a mobile payment processing service offered by Flint Mobile, a startup headquartered in Redwood City, California. Flint’s smartphone-based processing app places it in direct competition with popular services like Square and GoPayment, but there are a few significant differences between this service and its rivals. Most notably, Flint eschews a dongle or card reader in favor of enabling merchants to scan credit card numbers with the cameras in their iPhones and Android smartphones. The payments are securely processed and are never stored in a merchant’s phone, and Flint advertises one- to two-day depositing of funds. Merchants can also key in a customer’s credit card number with no increase in fees.

The Flint mobile app offers transaction history tracking and Facebook integration, which may be appealing for merchants looking to cultivate a social media presence. The service is also integrated with QuickBooks online, which enables it to sync all transactions automatically with a merchant’s QuickBooks account. Merchants who sign up for service through Flint must establish a merchant account with the company’s processor, so it does not appear that they can integrate their existing merchant accounts at this time. As one final note, Flint currently supports only Visa and MasterCard, meaning that users will have to establish processing through American Express independently.

Flint Sales & Marketing Tactics | A+

Key Points – Sales & Marketing 
Uses independent resellers? Yes
Promotes deceptive rate quotes? No
Discloses all important terms? Yes

Flint appears to primarily rely on its website and its new reseller program, Flint+, to market its services. The company does not employ a team of sales agents, and there are currently no complaints online about its marketing tactics. The Flint website provides an easy-to-use rate calculator and lists its fees upfront, and we have not located any evidence that these rates are misleadingly quoted.

Flint Marketing Example

Flint Costs & Contract Terms | A

Key Points – Costs & Contract Terms
Swiped rate: 1.95% or 2.95%
Keyed-in rate: 1.95% or 2.95%
Termination fee: None
PCI compliance fee: None
Equipment lease: None

Flint offers flat pricing that is calculated in a simple and novel way for the industry. For debit card payments, merchants pay 1.95% of each transaction. For credit card payments, merchants pay 2.95% of each transaction. These rates do not change depending on whether the transaction was swiped or keyed, and there are no termination fees, monthly fees, or PCI compliance fees associated with the account. Merchants can terminate at any time without penalty.

One possible issue that merchants may encounter with the service is the company’s seven-day deposit limit. The company’s terms of use state that any amounts processed in excess of $1,000 in any trailing seven-day period may be placed in a reserve for up to 30 days. A company representative has clarified the company’s transaction limits further in the comment section of this review. At this time, there is only one online complaint regarding Flint’s deposit limits, indicating that most merchants either never encounter this issue or are made fully aware of it before signing up.

Although there are no complaints as of this update about the company’s terms of use, one of the company’s policies is potentially of some concern at this time. Like its mobile payments competitors, the company appears to prioritize ease of sign-up, which means that merchants are usually approved for a Flint Mobile Account before Flint’s underwriting department can make a detailed assessment of the merchant’s risk for fraud or illegal activity. With other companies, this has resulted in sudden termination of services and large fund holds for merchants, which is often compounded by the minimal customer support offered by these companies. Flint offers live support, which is a major plus, and the service is not showing a large complaint volume in relation to its fraud prevention policies at this time. Even so, merchants are encouraged to carefully read the company’s list of prohibited activities and inquire about processing limits before signing up.

Flint Complaints & Service | A+

Key Points – Complaints & Service
Total complaints: 20+
Live customer support: Yes
Most common complaint: Limited features

We are currently able to locate only a handful of Flint negative reviews outside of the BBB at this time, indicating that the company is not a ripoff or a scam. This is a relatively new service, so it is possible that it has yet to receive the complaints that come with widespread use, but it is showing mostly positive reviews in both the iTunes App Store and the Android Market. Users cite its ease of use, its customizable receipt system, its clear pricing, and the ability to function without a card reader as highlights of the service. One reviewer balked at having to provide their email password to allow the service to send customizable receipts, but this shouldn’t be an issue for merchants who keep separate email addresses for their businesses. Flint offers live phone support with its service, which gives it a major advantage over Square and may be largely responsible for the total absence of complaints about the company.

Flint BBB Report | A (CPO Adjusted)

Key Points – BBB Report
Product/service: 1
Billing/collection: 0
Advertising/sales: 1
Guarantee/warranty: 0
Delivery: 0

Flint is currently not accredited with the Better Business Bureau (BBB) and is showing an “A-” rating based on two overall complaints. One complaint was filed due to a problem with the product or service, while the other was related to a delivery issue. Both were resolved with BBB assistance. The BBB cites the company’s length of time in business as the primary factor lowering its rating. Given the company’s complaint rate and resolution ratio, we have slightly adjusted its grade to an “A” in this category.

Bottom Line

Flint appears to be an innovative and reliable mobile processing option according to all available information. The service is still very new, so it’s possible that complaints will pop up as it continues to grow. That said, the central concept of the app provides an intriguing alternative to its competitors, and Flint’s pricing is transparent and competitive.

This review was originally published on 10/24/13 and was last updated on 8/15/14.

Leave your review of Flint in the comment section below:

Flint Review

Rated 4.75 Out of 5 Stars
Reviewed by Phillip Parker
Reviewed on 2014-11-13 12:03:51

We are currently able to locate a handful of Flint mobile payment negative reviews at this time, few of which claim that the company is a ripoff or a scam… Flint (flint.com) appears to be an innovative and reliable mobile processing option according to all available information. The service is still very new, so it’s possible that complaints will pop up as it continues to grow… Learn more in this Flint review.


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About the author

Phillip Parker

Phillip Parker is a former merchant services agent turned small business advocate and the author of "Fee Sweep," which teaches merchants how to dramatically lower their processing rates, eliminate junk fees, and avoid fine-print scams. He founded CardPaymentOptions.com to help merchants enact positive change in the credit card processing industry.

Phillip can help you find an ethical and honest processor that will offer you great rates. Click here to request a free provider consultation.

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  1. Renee

    Jeff Williams I did respond to your emails and you neve hit back with me please move on with the flint sham you already got me for all your getting. At no time did your company try to fix the issue instead it was the run a round over and over

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    1. Jeff Williams

      Renee, I received your email 19 hours ago. I’ll respond privately.

      Did you find this review helpful? Yes   No

  2. Kasee Glover

    I have been a Flint customer for about 6 months with no issues. My husband runs a private catering business and I recommended he establish a Flint account in order to accept credit cards. Upon his first transaction, he waited for about 4-5 days (checking his bank account daily) for his payment to post and when it didn’t he contacted customer support. Upon doing so he received a customer service representative by the name of J E N N. I am typing it as such in hopes that the name isn’t blocked and others can be warned. On the first call she was cordial and took my husband’s information and assured him that she would have supervisor contact him first thing the following business day. The reason why he requested a supervisor, is because at this point they have held the money for 5 days pending further information and we did not receive any communication advising that our transaction was being held whatsoever. The next business day, my husband waited and waited for the supervisor and when the call never came he decided to call back. Upon doing so, he received J E N N again. This time, she was not so cordial, in fact she was down right rude. He asked several times to speak with the supervisor and she repeatedly denied him that right. He expressed his disbelief that they can rightfully hold his money and there’s nothing he can do about it. He expressed that it was unlawful and she stated that he could get an attorney but, she can guarantee they will win. My husband then called me and asked that I complete the information online so they can get his money out of Alcatraz, which I have done. I then called myself to speak with a supervisor and was also unfortunate enough to get J E N N. I again asked for a supervisor and she asked me for the account information. I again expressed that I would really prefer to speak with a supervisor. She placed me on hold for about 5 minutes and returned to tell me that her supervisor refused to speak with me until I provided account information. I explained that as a consumer, I have the right to speak with a manager. She then stated that the reason she needed the information is because I was not going to speak with a supervisor that I would have to wait for a callback. Each time I spoke, J E N N felt the need to speak over me to “Show me who’s boss” which was completely unnecessary. I again shared with her, that it is my right to speak with a supervisor. She again placed me on hold for about 5 minutes and came back and stated that she had again spoke with her supervisor and again her supervisor was not getting on the phone. I don’t understand why if she was able to contact the supervisor then why wasn’t I allowed? I then asked to speak with another representative then since I was unable to speak with a supervisor. She again placed me on hold and came back and told me that unless I was to give her my account information she was not going to do anything to help me. She then stated that she was ending the call and promptly hung up on me. I have NEVER experienced such terrible service in my entire life to the point that I was shaking with anger. I will share this at every opportunity possible and if ever given the opportunity to speak with Greg Goldfarb, I will tell him about this, too. I would like to be contacted by the company for resolution but absolutely do not EVER wish to speak to the woman who should receive the award for the worst customer service representative in the Universe, J E N N.

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  3. Margie T

    Your current Terms of Use still have the $1000 limit per 7 day trailing period. Not $2000. We want to use for a weekend event where we will likely do about $2000. This matters to us whether we have a $1000 or $2000 ceiling.

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    1 / 1 found this review helpful.
    1. Jeff Williams


      Flint has made some changes to the limits imposed on brand new merchants. To insure you have the necessary limits approved for your business we’ve published a revised credit limit increase request form at https://www.flint.com/mir/

      If you’ve not already done so, I suggest you establish your Flint account and download the app, (which is free and takes about 3-4 minutes) then complete the credit increase form. (https://www.flint.com/mir/). If you email, [email protected], with the email address associated with your Flint account I can make sure your request is processed today and we get you the proper credit in time for your weekend event.

      best regards,


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  4. Jeff Johnson

    So, could you comment on the current veracity of what the reviewer started above, regarding money being held for 30 days if you have more than $1000 in charges in one week? Is it actually $2000, unless you sign up for additional limits? Because what he said would be a deal breaker for me, if it were true.

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  5. Renee

    I was trying flint after being with square for a few years , just thought it would be easier to just take a picture and be done quicker. My experience with flint was horrible they paid one charge over a week later the second charge has not been paid to this date . Contacted customer service never got a response beside your monies will be deposited by aug 11th we’ll date day has come and is working on going and I have been left with no choice but to file a complaint with the BBBand the federal trade commission and the state attorney general. I have with out a doubt learned my lesson and will never use this company again ! Serious issues with giving you your money and as they hold it for weeks in end they are collecting interest on your obey and still charging us fees for the transaction … Never use this company over half the reviews are fake !!

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    1. Jeff Williams


      I’m very sorry to hear you’ve had a poor experience using Flint. Can you send me a private message to [email protected] with the email address you use to log into the app? I will research your activity and get this issue resolved for you today. We endeavor that all our customers have a great experience using Flint.

      best regards,

      Jeff Williams

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      1 / 1 found this review helpful.
  6. Jeff Williams

    When a merchant applies and is approved for a Flint account the default processing limits assigned to the new merchant are:

    Max per transaction Scanned:  $1000.00
    Max per transaction Typed:  $500.00
    Max per day: $1000.00
    Max per week:  $2000.00
    2 mobile devices per Flint account

    Flint gladly approves merchants for higher processing limits (up to $100k/month)

    Merchants needing higher processing limits can obtain them by submitting a secondary application located at:

    https://www.flint.com/mir – for individuals
    https://www.flint.com/bmir – for businesses

    These applications are reviewed in 1-2 business days and it generally takes 2-3 days before the new limits are approved and implemented. (review time is dependent on the specific data submitted)

    If you need to conduct business on more than 2 mobile devices per flint account a merchant should submit a request to [email protected] from the email address associated with their account.

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    15 / 16 found this review helpful.

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