Flint Review

29 Replies

Credit Card Processors
flint logo
Category Breakdown
Sales & Marketing rated A plus
Costs & Contract rated A
Complaints & Service rated A plus
BBB Rating rated A minus

Overall Rating

A+


Overview

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.

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. Flint released App2App Connect, a simple way for app developers to add a “Take Payment” button to sales-oriented apps, in early 2015 and released support for Android tablets in April 2015. As one final note, Flint previously supported only Visa and MasterCard, but it is now able to accept American Express and Discover cards as well. Greg Goldfarb is the CEO and co-founder of Flint.

Flint Products and Services

  • Debit and credit card processing
  • QuickBooks Online integration
  • Transaction history tracking
  • Real-time sales analytics
  • Online invoicing
  • Multiple user support
  • “Buy Now” website buttons

Industries served:

  • Retail
  • Mobile
  • E-commerce

Sales & Marketing | 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 reseller program, Flint+, to market its services. The company does not employ a team of outside 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. Pricing doesn’t get much simpler or more clearly disclosed than it is with Flint, and we accordingly award the company an “A+” rating in this category.

Flint Marketing Example

Costs & Contract | 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.

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 general absence of complaints about the company.

BBB Report | A-*

Key Points – BBB Report
Product/service: 2
Billing/collection: 2
Advertising/sales: 1
Guarantee/warranty: 0
Delivery: 1

Flint is currently not accredited with the Better Business Bureau and is showing an “F” rating based on six overall complaints. Two complaints were filed due to a problem with the product or service, two were related to billing and collection disputes, one had to to with advertising, and one was due to a delivery issue. All but two were resolved with BBB assistance, but it is these remaining two that have so dramatically lowered the company’s BBB rating.

The BBB states that Flint has made no effort to resolve these two complaints, resulting in the “F” rating. One of these complaints is from a merchant who has been unable to contact customer service and get paid, possibly due to the merchant’s employee providing inaccurate information when setting up the account. The second unresolved complaint has also been posted in the comment section of this review regarding an unhelpful customer service representative. Although Flint’s inability to resolve the complaints through the BBB impacts the company’s score negatively, the fact that it has only failed to address two complaints out of a total of six indicates that there is generally not a major problem with the service Flint provides. We have therefore adjusted the BBB’s rating to an “A-” based on how we would score the company.

* Denotes CPO-adjusted BBB score

Bottom Line


Flint Review

Rated 4.6 out of 5 Stars
Reviewed by Phillip Parker
Reviewed on 2015-03-19

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. For more information, visit Flint’s website.

This review was originally published on 10/24/13 and was last updated on 3/19/15.

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29 comments

  1. Steve Crowder

    The concept is great and the app works good. It takes us 3-4 days for our deposit to show up. Customer service is a JOKE, asked for supervisor to call me and STILL WAITING. Very difficult to get to your deposits and discounts, I showed a charge had gone through for $26 and we never put that through, no one could tell us what it was for and no call back. VERY DISPLEASED. Would never give up my other credit card processor to us Flint as my only one

  2. Jodi

    I have 272.00 floating around Flint somewhere….I called last week and they told me it somehow got sent to them…then they to,d me it had to be manually sent to my account. STILL not in my account or even pending. I am leaving Flint and going to square. This is ridiculous that it takes so long! I am a small business and can’t afford for my money to take this long to come to me. I was stupid enough to use the Flint AFTER my first week of transactions didn’t go through….now that one is not in my account either! NOT using it again. They LIE…it takes way longer than 1 or 2 days…

    1. Ed Lyon

      They have been telling me the same thing Jodi. They claim the account I used, which I tried and worked fine, will not accept the payment so they have to do “manually”. I gave them my primary account which they said they would try “manually” and still no word for them. I am going to have to contact them yet again. This system sucks! I too will be going to Square whether they finally get me help or not.

  3. Ed Lyon

    I am extremely unhappy and disillusioned. First with the way it works and second with getting my money once I’ve used it.

    1.) Scanning sounds great except when you have a long line of people as I did for a recent book signing. I used an excellent Samsung tablet but it is time consuming to get it to focus and many cards have smooth numbers that aren’t very visible and others have backgrounds that compete with the numbers. Even when I got clear resolution from a shot, not one of the numbers was accurate and I had to hand type anyway. Then you have to hand input expiration, 3 digit code and zip code – and another step if they want a receipt emailed. The amount of time it took to scan and input became obvious to people waiting in line and they all scrambled for cash or checks, most avoided the hassle of my using their credit cards.

    2.) I obviously tested it with my credit card before using it with others’ credit cards. It worked fine and deposited the money in the account I had set up. The day described above, none of the money transferred. When I contacted customer service and they confirmed routing number and checking account number, they said bank had rejected it. What? They said they would get right on it and get me resolution on a Friday. No one contacted me so I called back today – Tuesday. “Still working on my case”. Now they want me to send them a voided check. Why would it have worked once when I trialed it but now they tell me it won’t even if I made no changes to that account information? I fear I will not see my money and am just glad that I didn’t have any more transactions than I did. I will still keep working on it but will warn others to be wary.

  4. Pissed at Flint.com

    After speaking with flint prior to setting up an account. They falsely represented the sign up process and funding time frames. I spoke with a representative prior to signing up with flint. I asked if they needed any other documentation to start taking credit cards. she said NO, as long as i stay under the $3000 per week amount. I told her my Avg charge is $300-$800.. And She said that would not be a problem.

    My first transaction, they put a hold on it and insisted on my documentation now. 4 days after submitting my (business licence, letter from IRS showing my tax id, bank statements showing other CC processing going through my account, invoices, and letters). They in turn refused to release the funds to me. My IT business is based on referrals and they have ruined my reputation with this customer.

    They are extremely unprofessional over the phone. And apparently they have no management or any way to get in touch with operations. I have spoken to at least 6 different people in two days and they all say the same canned message (manager is not on the floor right now, or operations is not in right now)…

    Stay away from them…

  5. Kara

    I think it would be neat if it had a page that told when your deposit was sent, or when it will be sent. I received a couple emails from a couple deposits a while back, but, haven’t had any since. Maybe its something I clicked that made them stop? Just a suggestion.

  6. Aubrey Dickerson

    Flint.com is bull#$%#! WARNING!!! I started my small business and enrolled in Flint.com. My first invoice was $300 for a website. I used Flint.com to invoice my customer since they were located in a different state. The invoice limit was $250 so it didn’t go through. Flint.com wouldn’t increase the limit. I deleted the invoice, created two smaller invoices, contacted the customer and they paid them. Then Flint.com requested a million pieces of information from me, half of which I had already previously submitted. Then they cancelled my account and refunded the transactions to the customer. Not only did the prove to be an epic failure but they also successfully made my business look like a circus act in the process! BE WARNED!!! If you use Flint.com, you’re going to be regret it, and so will your customers!

  7. Wally C

    Great Company,Fast and Organize !! I have a last minute request and it was my first time using flint and Ashley,Carlos and the whole staff has been great and very quick to reply! I charge my customer 5K and money was on my bank account in less that 2 days!! I will definetly do business with them again!! Thank you Flint!

  8. Jeff @ Flint

    I wanted to post an update on how to request a credit limit increase from Flint. We’ve improved our process which will result in smoother applications and faster approval.

    We’ve moved the credit limit increase request form inside of our merchant portal. The old form at flint.com/mir will redirect users to login and deliver them right to the proper page to make the request.

    Once logged in we will leverage the account data already on file so you no longer have to reenter your information.

    If you are on your mobile device you can now leverage your camera to snap a photo of required docs and quickly submit them. No more delays to find a scanner or convert formats for us to review your docs.

    We’ve increased the size of the team reviewing applications in order to get you approved as fast as possible. Currently applications are being reviewed and answered with one business day.

    Jeff @ Flint.com

  9. Winnie

    I didn’t have a good experience using this company. The whole credit card process takes much longer than swipe a card. After you scan the card, you have to type in expiration date and flip the card type in cvv code. Then ask the customers for their zip code. After that you have to confirm the card number you just scan then the customers can sign. Also the tip option doesn’t work on my phone. I called Flint twice and they said they will have someone look into it and get back to me. Never got a phone call. Then I emailed them, only got a reply that someone would get in touch with me. That was it. They never fix my problem. The app doesn’t work on any tablets and doesn’t take anything else besides visa and master cards. It’s not very convenience for my customers and me.

    1. Jeff Williams

      Hi Winnie,

      I’ve been attempting to track down your account to investigate your issue and resolve it for you. So far I’ve been unable to find anyone named Winnie who has contacted our support line or emailed us with the problem that you describe. Can you please email me, [email protected], with the email address you use to log into the app or the full name that you used on your application so that I can track this down?

      A couple of clarifications to your comments. We do support iPads, however, the Flint app is classified as an iPhone app. Thus, if you arrive in the app store on your iPad and search for “Flint” the default set of results will only show you “iPad apps.” In order to get Flint to show up in that context you need to change the results filter to include both iPhone and iPad apps. You can then see flint in the results, install the iPhone app onto the iPad and run transactions normally from there.

      Regarding Amex & Discover please keep you eyes open for the announcement that we support these cards. It’s coming in short order.

      best regards,

      [email protected]

  10. 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.

    1. Mila

      Malryn I had the same exact experience , opened a flint ACC after being with Square for years and after one charge ( my sisters card never the less ) with out any warning they canceled the charge and closed my ACC !! Discausting service ! And I will make sure I tell as many people as possible because I think this type of company should not be around at all !

  11. 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.

    1. Jeff Williams

      David,

      I appreciate that you are not pleased with the fact that Flint won’t accept firearms sales. Unfortunately, I’m not able to change this rule or make an exception.

      I don’t want anyone else to have a similar experience so I’m going to post the definitive list of those business types that Flint is unable to approve.

      Here is the link to the full T&C’s merchants sign up under. https://www.flint.com/terms-of-service/

      This is the current list as of 1.8.14 (but may be subject to change)

      You may not use the Service to accept payments in connection with any of the activities or businesses listed below. By accepting this Agreement, you confirm that you will comply with these requirements.

      • Adult entertainment oriented products or services
      • Selling goods or services that represent a violation of any Local, State or Federal law
      • Any merchant operating outside the United States
      • Airline
      • Collection Agency
      • Cruise Line
      • Credit Counseling
      • Credit Protection or ID protection service
      • Debt Elimination or Reduction service
      • Distressed Property Sales and Marketing
      • Gambling
      • Tobacco Sales
      • Pharmaceuticals
      • Hate Products
      • Firearm or weapon sales
      • Drug paraphernalia
      • Multi-Level Marketing programs
      • Rebate or upsell Programs
      • Timeshare resales and marketing
      • Membership clubs
      • Outbound telemarketing
      • Inbound videotext telemarketing
      • Direct Marketing for Continuity or Subscription services
      • Submitting sales for payment that results from another entity that provided goods or services to the cardholder
      • Script dispensing terminals
      • Household purposes where the purchaser is not a customer

      I hope this is helpful and I’m sorry we are unable to accept your business.

      best regards,

      Jeff Williams
      [email protected]

      1. Terri

        Hi Jeff, just thinking this is the perfect fit for my new wine tour company but it is located in Canada. I thought Flint was available outside of the U.S.
        TIA,
        Terri

  12. 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

  13. 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.

  14. 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.

    1. Jeff Williams

      Margie,

      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,

      Jeff

  15. 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.

  16. 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 !!

    1. Jeff Williams

      Renee,

      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

    2. Jeff Williams

      Hi Renee,

      I have not heard back from you so just wanted to try again and see if I might help resolve your issue.

      Best Regards,

      [email protected]

  17. 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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