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. Malryn Perez

    Flint is a company that will not value your business. We are a doctor’s office (hardly any other business is as solid or reputable) yet they closed and cancelled our account without notice and when we inquired never gave a definitive reason. We will not take our business to them ever again and will do all we can to let others know how little flint values its customers.

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  2. David Frost

    Just signed up with Flint last week after being with Square for some time. Flint told us they were gun friendly when we signed up now we get a notification suspending our account because we are in violation of their term of use. I call them and they inform me that because we sell guns they have to suspend our service. They will process payments for firearms accessories or ammunition but not firearms! What kind of a goofed up deal is that. It’s the bullets that do the damage anyway and not the gun. Stupid policy. Definitely not 2nd Ammendment friendly. Won’t get any of my business. I will do my best to spread the word about this.

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