Flint Mobile Review

Overview

UPDATE – 2/23/2016: In the continuing saga that has become Flint, the company announced today that it now has more “runway” for Flint’s operations. What exactly is meant by this cryptic message is anyone’s guess as we have yet to receive a response to any of our queries; however, those who have taken the time to transition their Flint account to Stripe will be able to continue accepting payments into March and “hopefully beyond” according to the company. Flint claims that “thousands” have made the transition and that “All of you can continue to use your Flint app and your merchant portal without interruption.” Thanks Flint, I’m sure that all the users you’ve left in a lurch over the last couple weeks are elated to have your permission to use your app for an indefinite and likely finite time-frame.

Due to the nature of Flint’s extremely poor management of this situation and complete disregard for clear communication or transparency surrounding it, we feel compelled to caution merchants against continuing with Flint’s services until such time the company demonstrates stability and open dialogue regarding these circumstances.

If you are seeking a mobile alternative to Flint, we recommend contacting Payline Data (888-506-7812) or Host Merchant Services (888-727-4538) to inquire about their mobile processing options.

UPDATE – 2/22/2016: According to several sources, Flint Mobile is permanently discontinuing its services and is directing merchants to transition to Stripe if they wish to continue processing credit card transactions. Merchants who make the transition to Stripe will be subject to Stripe’s standard processing fees, which are more expensive than that which Flint was charging.

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 built into 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 may establish a merchant account with Flint or link their existing merchant accounts to the Flint app. 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 Mobile 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

  • Retail
  • Mobile
  • E-commerce
a

Sales & Marketing

Key Points - Sales & Marketing

Employs Independent Resellers Yes
Advertises Deceptive Rates 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-understand explanation of its rates 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 have accordingly awarded the company an “A+” rating in this category.

Flint Mobile Marketing Example

a

Costs & Contract

Key Points - Costs & Contract

Swiped Rate 1.95% or 2.95%
Keyed-in Rate 1.95% or 2.95%
Early Termination Fee None
PCI Compliance Fee None
Equipment Lease Terms 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. For new users, Flint sets a limit of $1,000 in any trailing seven-day period and a per-invoice limit of $250. Any amounts processed in excess of these limits will be held for 30 days. These limits can be increased through a request form on the company’s website, and a company representative has clarified the process of increasing limits further in the comment section of this review. Most merchants who have issues with Flint’s processing limits do concede that they were informed of their account restrictions upon signup.

There is one other drawback to Flint’s sign-up process. 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.

a

Complaints & Service

Key Points - Complaints & Service

Total Online Complaints 40+
Live Customer Support Yes
Most Common Complaint Processing Limits

We are currently able to locate over 40 Flint negative reviews outside of the BBB at this time, some of which accuse the company of being a scam. Nearly all of these complaints are related to software or hardware issues, excessive requests for private information, fund holds, account cancellation, or poor customer service. While the company’s complaint total has grown since our last update, the fact that Flint is a growing organization with a very low barrier to signup means that that it will inevitably receive some complaints from inexperienced or confused merchants. In fact, Flint 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 phone support with its service, but it must be scheduled ahead of time. Live chat and email support are also available.

a

BBB

Key Points - BBB

Product & Service Complaints 11
Billing & Collection Complaints 9
Advertising & Sales Complaints 3
Guarantee & Warranty Complaints 1
Delivery Complaints 1

Note: We have adjusted this company’s BBB rating according to our own standards. To better understand why we adjust BBB ratings, please see our Rating Criteria.

Flint is currently not accredited with the Better Business Bureau and is showing an “A+” rating based on 25 overall complaints. Eleven complaints were filed due to a problem with the product or service, nine were related to billing and collection disputes, three had to to with advertising, one was due to a delivery issue, and one was due to a warranty issue. Flint has successfully resolved eight complaints, while the remaining 17 either were resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant. We believe that “A+” ratings should be reserved for companies with perfect or near-perfect complaint records through the BBB. We have therefore adjusted Flint’s rating to an “A-” for the purposes of this review.

flint logo

Flint Mobile 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. For more information, visit Flint’s website.

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. Schedule a Consultation with Phillip

Schedule a Consultation with Phillip

54 Reviews Leave Your Review Below

  1. Many things this article says about FLINT are ABSOLUTELY NOT TRUE. They are horrible. They just completely canceled their credit card payment processing while “moving to a new platform”, have not indicated when that will be complete. nor will they answer questions on the phone. Their support IS NOT live. They ignore emails for days.

    Horrible experience with them. DON’T use them!!!1


    Are you with Flint? Learn how to resolve this complaint.

  2. My customers cards were being declined because of a communications error. That problem was finally resolved but Flint told me that I couldn’t attempt to process the cards again for 7 days. When I voiced my displeasure to them they sent me an email saying that they are rolling out a new platform, and that I couldn’t use their service until it was completed. They also said that they had “no idea” how long it would take to implement the new program. Is that there way of getting rid of their customers?


    Are you with Flint? Learn how to resolve this complaint.

    1. I received the email about switching platforms too. I emailed them stating I have outstanding invoices not paid yet. I require payment before service is rendered. They replied the same way, they have no idea when it will be back up! Said they were switching to a new platform. Usually a company will notify you in advance so you can work around it! With a time frame!!


      Are you with Flint? Learn how to resolve this complaint.

    2. Ah….., now I get it. By “transitioning to a new platform” they mean that they are “going out of business” (as of Feb 27th, 2016) and transferring their customers to a different credit card processor (Stripe). Why couldn’t you just have told us that in the first place Flint?


      Are you with Flint? Learn how to resolve this complaint.

    3. We had the same issues flint can only be contacted by e mail not a great way to do business overall very unhappy with flint would not recommend to others

  3. It’s February 6th, 2016. Flint sent me an email a few days ago saying they were going to “have a temporary service interruption”. It said card processing on hold while they transition to a new platform. I emailed a response asking “Please give me an approx. time; 1 day, 1 week, 1 month etc”

    It’s been 2 days now and their response to my inquiry was, “Currently, we do not have an exact date for the roll out of our new platform. We will contact you immediately when it is available.”

    What??? What are small business owners, (we the people), supposed to do? I am a Flint person now. I don’t want to have to find a new mobile processing company. My customers are used to the way things work. I’m wondering if Flint sold out and is going the way of Square and other companies. Or if they’re going bankrupt. So angry and sad.


    Are you with Flint? Learn how to resolve this complaint.

  4. FLINT started out really great. In fact, I gave it a five star rating. However as time went on, and I guess as flint grew, it lost touch with its customer base. Now you can no longer reach somebody if you call. You can no longer get a reply other than an electronic and generic. FLINT recently froze my account. And has not given me any reason why. FLINT is now holding over $700 of my companies money without Cause. I am now having to pursue criminal charges against FLINT with a local law-enforcement agency.


    Are you with Flint? Learn how to resolve this complaint.

  5. Their risk department is bunch of scammers. Ive been using their services smoothly for couple of months…. And then after I processed a good amount of transactions, they then put my account on hold. They then ask for every single invoice to be sent to them. They also want your ID, your SSI number, your bank account statement, utility bill, etc. Waited over one month until everything is completed. Stay away from Flint… Sign up process is very easy.. Once you have alot of money, they will make you run through circles to get your money.


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  6. STAY AWAY FROM FLINT

    Signed up and tested it out with a $2 deposit.

    Initial sign up they want your full social. Unlike Square which asks for last four.

    THEN they emailed me wanting a copy of my drivers license, TWO months of my cell phone bill AND bank account statements.

    They want enough information to steal your identity!!!

    Square has never asked for this and I’ve been with them for two years.

    Flint decides they want this after a $2 deposit.

    Imagine what they’ll do for a $100 deposit. Probably ask you to mail them your DNA.


    Are you with Flint? Learn how to resolve this complaint.

    1. I signed up for Flint recently as a replacement for Square. I had used it a couple of times without issue for small amounts but today I was trying to process a charge for $1400. The app got stuck on a screen saying it was processing and the message never left or changed to an error. I googled the message and saw details on the charge limits. Looking back I remembered the limits when signing up but didn’t pay it much attention at the time. I went to their website to see if there was any information on my problem or try to call/chat with someone about the problem but there was no phone number and chat was unavailable. While there I filled out a request to increase the limits, only took a minute and only asked for my drivers license information to prove identity.

      Ok back to my problem. I still needed to get this charge processed and really didn’t want to go back through square for it. I can’t say that I was overly excited about having to send an email to support and wait for a response that I expected would take a day or so but that’s what I did. I also CC’d Jeff @ Flint who’s name I ran across below while reviewing credit card processing options.

      I was shocked to receive replies from both Jeff and Support within minutes of sending them my email. Both of them were extremely helpful and friendly. They explained the problem was due to the limit on my account and the amount I was trying to process. They offered a suggestion for a workaround which allowed me to process the charge without issue.

      The limit increase request came back approved the following day without any other information being requested. Also the credit card charge that I ran was funded to my checking account within 2 days.

      While I haven’t been with Flint for a long time and don’t have a lot of experience with them I have to say that I am extremely pleased with everything so far.

      Also wanted to mention that I have no affiliation with Flint and don’t typically post reviews but due to some of the reviews I read below I felt my experience might be helpful.

      1. Hi Ed,

        Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  7. I have a small land surveying business and thought this would be a good way to accept credit card payments but because of the $250.00 limit I had to run the card twice to receive payment. When I asked to FLINT to raise my limit I was kicked off the site. Not very nice on the customer service side. That was the help I received. I hope everyone has better luck. My rating 0 stars


    Are you with Flint? Learn how to resolve this complaint.

  8. This is the worst company anyone could ever use. they let anyone start but will freezes and return funs to the cards. you can not ever get a hold of a live person. do not under use this app

    1. Also my wife used this app and had over $600 frozen for no reason, it was about 30 to 40 transactions. they froze them and in a few weeks reverse all of them back to the cards. they are one of the worst apps you can use…

  9. We installed the Flint app two months ago and it worked for four days. During that time, we swiped almost $400 in sales, but only $32 was deposited in our bank.

    Support requests are answered by auto-responder saying we will be contacted in one business day (NOT). We have accumulated more than an hour of time on hold on their phone line.

    Any advice would be welcome.

  10. This is obviously another phony paid-for review. If the reviewer is not in Flint’s pocket, I’ll eat my hat. Tried to sign-up with Flint 3 times, and they are using some sort of a very fishy “identity” service that does not work, at all. By that, I mean they try to say you are someone you are not, and are using/showing incorrect addresses during sign-up based on what appears to be, errors in Google Maps.

    To those considering using these jokers, think about:

    1. Would a reputable company operate in this way?
    2. Look at the reviews above. See a lot of happy people?
    3. It is well known that around 30% of online reviews are FAKE

    Let the buyer beware

    1. Hi snowdog,

      Would you like some BBQ sauce with your hat? I assure you under the penalty of perjury that our review of Flint is not a paid review. The vast majority of Flint’s reviews elsewhere online are positive and our review is a reflection of this fact. Being a popular app, there are a few negative user-experience reviews on functionality and sign-up (as would be expected), but not much that raises alarms according to our rating criteria. Keep in mind that your experience could be related to your device and/or operating system. I would encourage you to contact Flint directly with your concerns. Best of luck with your business!

  11. Please call me asap. I can not believe their is no live phone support
    I did a transaction for 200.00 and within minutes you told me you needed more info about my business. I am an indepoendant contractor, now my account shows a negative-200.00
    I have spoken with my customer and he confirmed the funds were withdrawn from his bank 2 days ago
    So where is his money at????????????????????????????????

    I am loosing customers because of Flint

  12. Don’t let the reviews fool you.
    Flint would be SUPERB if it worked.

    Yea you can call and talk to a real person but what good does that do if they are rude and won’t help you , never let you speak to a supervisor or manager and yell at you.

    My understanding before I tried out flint was that my invoice limit was $1,000 a week and $250 max on each invoice

    So I send out 2 invoices for 150.00 and both are paid and now all of a sudden I can’t even take a $5.00 payment because it says I exceeded my limits? What is this? $300 and I exceeded my limits?

    My average charge is $200

    It made me lose a customer cause I sent him the invoice and it told him unable to pay please contact merchant , so he let me know and he ended up going somewhere else.

    Also I still haven’t received the 2 invoices that were paid , in my bank account , and after reading all the other bad reviews I have a feeling I won’t be seeing that money.

    Flint needs to fix there ENTIRE customer service team and also why is there not a page saying the funds have been transferred or pending or something?

    It just shows invoice paid and that’s it nothing about where the money is at

    A sent to bank account on page and expected delivery of funds page is needed.

    I will update this thread daily until I receive my money and I already emailed Jeff so we will see if he gets back to me

    My invoices were paid on Labor Day September 7th which is a banking holiday so I should get my funds tonight at midnight.

  13. Flint is very powerful and every one of the comments is almost a gripe. And I understand some. Especially the book signing and scanning and then entering the info. But here’s what I like. 1st the money has been hitting my bank the very next day. Yes square does as well, but they never offered me a entire month of free processing for both invoices and manually entered cards as flint is doing for the month of August. That’s saved me some nice amount of money. I like the way the invoices look better then square. I have never had any money frozen. I just asked for limits to be raised for my work. I been testing the waters again with flint during there august free processing month. I put a client’s payment through for 251.50 and next day I received $251.50 I manually entered the purchase. I use square, and stripe up to now. Stripe has been very good to me especially in the charge backs I gotten, they worked with me and found in my favor three times now. i didn’t have to fax them the paperwork. cash flow matters to me I am a father of 4 daughters and if I did get held up on a purchase for 30 days, it would surely impact me. I am going to send out some invoices via flint especially when I know there going to pay by US debit card 1.9% is a good rate. But square cash for me is 1.5% so there’s that.

  14. 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

  15. 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. 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.

  16. 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.

  17. 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…

  18. 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.

  19. 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!

    1. Wow, I was about to use them to invoice a client. That 1.95% for debit card is really enticing but if $250 is limit that isn’t going to work I didn’t see that.

  20. 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!

  21. 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

    1. I gave Flint a five star rating, was very pleased, Jeff even helped me once to have it working, imagine, he himself talked to me to help me.
      Then what happened?
      My accountant noticed a discrepancy of a total of $964.47 for January and February 2016 combined, that should have been deposited into my account.
      I urge everybody to check your numbers.
      If I don’t get my money I will report this to police, better business bureau and law.
      Jeff, you had a million dollar company, what happened, and why do you need to steal from small business owners?
      [REDACTED – personal contact information]


      Are you with Flint? Learn how to resolve this complaint.

  22. 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. 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]

  23. 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. 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 !

  24. 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. 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. 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

  25. 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

  26. 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.

  27. 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. 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

  28. 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.

  29. 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. 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

  30. 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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