Flo Payments Setup
Flo Payments is your earnings account: it powers paid checkouts on your Flo page and sends payouts to your bank. Everything lives under Settings → Flo Payments (/settings/payments). The guided wizard is at /settings/payments/setup.
This page is the settings reference for onboarding and post-setup controls. For a shorter first-time walkthrough, see Connect payments. For fees, settlement, and payout timing, see Flo Payments.
Flo plan ≠ Flo Payments
Your Flo subscription (Free, Creator, Pro, Studio) controls builder limits and platform sale fees. Flo Payments is separate — set it up once to receive money from fans, even on Free.
Before paid sales can complete
| Offer | Needs Active earnings account? |
|---|---|
| Paid products, courses, memberships, bookings | Yes |
| $0 products, free course access, free booking slots | No |
| Newsletter / email capture | No |
Until Active, a published page still works for free actions. Paid checkout cannot complete.
Bank account is required
Legal identity alone does not enable payouts. You must connect a valid bank account in step 3 and finish verification.
Open Flo Payments in Settings
| Path | URL |
|---|---|
| Settings → Flo Payments | /settings/payments |
| Setup wizard | /settings/payments/setup |
Other entry points that link here:
- Dashboard → Wallet — Set up Flo earnings account when not connected
- Dashboard → Overview — earnings hero may show Set up Flo Payments to get paid
Command palette (⌘K / Ctrl+K) → search Flo Payments or payments.
The settings hub (/settings/payments)
The page header is Flo Payments with the description Accept payments on your page and receive payouts to your bank (or How money moves from your customers to your bank account after you have started).
Empty state (not started)
If your earnings account has never been started (UNSTARTED), you see one card:
Get paid with Flo — Set up your earnings account once, then sell courses, products, and bookings from one place.
Bullets:
- Accept cards and other payment methods on your Flo page
- Get paid out to your bank on your schedule
- Manage refunds and tax settings in one place
Primary button: Set up Flo earnings account → opens the setup wizard.
Footer line: Takes a few minutes. You'll verify your identity and add a bank account.
Full panel (after step 1 begins)
Once you complete step 1 (identity), the hub shows four cards:
- Earnings account — status and resume actions
- Payout settings — bank, schedule, minimum
- Currency & tax — checkout currency and auto-tax
- Refunds & disputes — refund window policy
You can open these while onboarding is still in progress, but paid checkouts only work when status is Active.
Tax forms banner
When Flo Payments is Active (or verified) but the processor still needs information (for example tax forms), a yellow banner may appear at the top:
Action needed on your earnings account — Additional information is needed on your earnings account. Complete it now to keep payouts running.
- Complete verification →
/settings/payments/setup - Dismiss (X) — hides the banner in this browser (stored locally)
Resolve outstanding requirements promptly so payouts are not interrupted.
Earnings account card
Title: Earnings account — Payouts and verification for the sales on your page.
| Status dot | When | UI | Action |
|---|---|---|---|
| (no dot) | Not started | Set up your earnings account | Opens setup wizard |
| (no dot) | Steps 1–4 in progress | Step X of 5 — finish in the setup flow. + Continue setup | Resumes wizard at step X |
| Pending (warn) | Submitted, verifying | Your account is being verified — we'll email you when it's ready. | Wait; check email |
| Action required (error) | Verification failed | Additional verification is needed. + Complete verification | Return to setup |
| Active (ok) | Ready | Active | Sell paid offers; manage payouts |
| Restricted (error) | Limits on charges/payouts | Payouts may be limited until this is resolved. + Resolve issue | Setup wizard |
| Suspended (error) | Admin suspension | Contact support@myflo.link for help with your account. | Email support |
How resume steps map to progress
Flo stores machine state server-side. Continue setup opens the wizard at:
| Internal state | Resume step | Wizard screen |
|---|---|---|
| Not started | 1 | Identity |
| Identity saved | 2 | Business type |
| Business saved | 3 | Bank |
| Bank linked | 4 | ID upload (or 5 if documents already marked complete) |
| Submitted / pending | 5 | Review or activation result |
| Verification failed | 4 | ID / review (fix and resubmit) |
If your account is already Active, visiting /settings/payments/setup redirects back to Settings → Flo Payments.
Setup wizard (/settings/payments/setup)
Header: Your earnings account — Set up Flo Payments in a few minutes. Your money goes straight to your bank.
UI chrome:
- Fixed progress bar at the top of the viewport (fills as you advance)
- Step dots with label N / 5
- Back on steps 2–5
Step 1 — Tell us about yourself
Collects legal identity and address. Choose Country first — it controls tax fields, bank format, settlement currency, and postal labels.
| Field | Notes |
|---|---|
| Country | Must be a supported country |
| Mobile number | Placeholder includes dial code for your country (for example +1) |
| First name / Last name | Legal names as on government ID |
| Date of birth | Month, day, year selectors |
| Address | Line, city, state/province (US, Canada, Australia), postal code |
Country-specific tax ID (when shown):
| Country | Field in app |
|---|---|
| United States | Last 4 of SSN |
| Canada | SIN (Social Insurance Number) |
| Australia | Tax File Number (last 3 digits) |
| Most others (UK, EU, etc.) | No extra number in this step |
Flo shows your account email for payment verification. Click Continue — Flo saves identity (usually a few seconds; loading panel: Saving your details…).
Step 2 — How do you operate?
Pick one:
- I'm an individual creator — default for solo creators
- I represent a business or brand — shows Company name (required) and optional tax ID field (placeholder
XX-XXXXXXX, Show / Hide)
Click Continue.
Step 3 — Where should we send your money?
Bank account — secure payout destination. Fields depend on country bank method:
| Method | Used in |
|---|---|
| ACH (routing + account) | United States |
| EFT (institution + transit + account) | Canada |
| Sort code + account | United Kingdom |
| IBAN | Ireland, Germany, France, and most EU/EEA, plus Nordics and Switzerland |
| BSB + account | Australia |
| National account number | New Zealand |
| Bank + branch codes | Singapore, Hong Kong, Japan |
Enter Name on account and bank details in Flo's secure form. Flo does not store your full account number on Flo servers.
If a bank is already linked, you may see Bank account on file — Your payout account is already linked for Flo Payments. Choose Continue with this account or Use a different account.
Click Continue after the bank step saves.
Step 4 — Verify your identity
Government ID upload for financial regulations:
- ID — front (required) — JPG, PNG, or PDF
- ID — back (optional)
Upload each file; wait for confirmation before Continue. Loading copy: Forwarding your uploaded ID…
Step 5 — Almost there
Review summarizes:
| Row | Shows |
|---|---|
| Email (verification) | Your Flo account email |
| Identity | Legal name — Edit → step 1 |
| Business type | Individual creator or Business — Edit → step 2 |
| Bank account | Account ending in …XXXX — Edit → step 3 |
| Identity document | Uploaded or Not required — Edit → step 4 |
Fine print: By activating, you agree to the Flo Payments Terms and the payment processing agreement required by Flo's payments partner (linked in the app).
Click Activate Flo Payments. Loading panel: Activating Flo Payments — Submitting your details for payout verification…
After you activate
Activation screen (on the setup URL)
-
Flo Payments is being activated — Flo polls verification (about every 3 seconds, up to 5 minutes). This usually takes less than a minute.
- Go to dashboard — leave while waiting
-
You're ready to earn — when verified:
- Flo Payments is active. Your first sale goes straight to your bank.
- Go to my wallet
-
Still verifying… — if polling times out:
- Your account is set up — verification is just finishing in the background.
- Go to wallet or Contact support (
support@myflo.link)
The setup shell may also show header You're all set when returning with an already-active account.
Confirm in Settings
Earnings account should show Active. Run a small paid test checkout on your live page, then check Dashboard → Wallet.
Payout settings card
Visible after you begin setup (not on the empty-state-only view).
| Row | What it does |
|---|---|
| Bank account | Shows bank name, last 4, currency — Change opens change-bank modal |
| Payout schedule | Daily, Weekly, or Monthly toggle buttons — then Save payout settings |
| Minimum payout | Read-only platform minimum for your currency (for example $10 USD) — payouts run when available balance meets this floor |
Schedule notes:
- Default preference is Weekly (Flo processes weekly payouts on Fridays, UTC — see Flo Payments).
- Daily unlocks 90 days after your earnings account was created (
payment_accounts.created_at). If you select Daily too early, Flo shows how many days remain. - Daily on the Free Flo plan is not available — upgrade to Creator or higher.
- If the processor set manual payouts on your account, the UI shows Manual schedule — contact support if you need to change it and disables schedule saves.
Connect bank — focused guide for changing bank only.
Currency & tax card
| Row | What it does |
|---|---|
| Display currency | USD, EUR, GBP, or CAD — used for one-time Checkout sessions. Subscription catalog prices keep their own currency. |
| Tax handling | Checkbox: Auto-calculate tax at checkout |
| Tax forms | Explains year-end forms (for example 1099-K) are emailed by the payment processor when thresholds apply. Questions → support@myflo.link |
Click Save currency & tax. Success toast: Preferences saved.
Refunds & disputes card
| Row | What it does |
|---|---|
| Refund window | Dropdown: No limit (default), Same day only (0 days), 7 days, 14 days, 30 days |
| Disputes | There is no separate dispute console in Flo yet. Use Flo Payments and your account notifications for updates. |
Click Save refund policy.
Supported countries
Country must be selected in step 1 from this list (from SUPPORTED_COUNTRIES):
North America: United States, Canada
Europe & UK: United Kingdom, Ireland, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovenia, Slovakia, Spain, Sweden, Switzerland
Asia-Pacific: Australia, New Zealand, Singapore, Hong Kong, Japan
If your country is missing, you cannot complete Flo Payments in the app today. Free offers and email capture still work.
Your country sets settlement currency (USD, GBP, EUR, CAD, AUD, NZD, etc.), bank input format, and identity fields.
Quick setup checklist
- Settings → Flo Payments → Set up Flo earnings account
- Step 1 — identity + country
- Step 2 — individual or business
- Step 3 — bank (Name on account + details)
- Step 4 — ID front (and back if needed)
- Step 5 — Activate Flo Payments
- Wait for Active (or resolve Action required)
- Optional: tune Payout settings, Currency & tax, Refunds
- Test a paid sale → confirm in Wallet
Troubleshooting
| Issue | What to do |
|---|---|
| Stuck at Step X of 5 | Continue setup — finish the step shown in the wizard |
| Pending for days | Check email; use Complete verification if prompted |
| Yellow tax banner | Complete verification — do not ignore if payouts matter |
| Action required / Restricted | Open setup via card button; fix every flagged field or upload |
| Activate Flo Payments error | Use Edit on step 5 rows; retry with stable connection |
| Bank save fails | Country must match bank; check routing / IBAN / BSB format |
| ID upload fails | JPG, PNG, or PDF only; front required before Continue |
| Paid checkout still fails | Confirm Active, not only Pending |
| Daily payout won't save | Wait until 90-day unlock; upgrade off Free if tier-blocked |
| Suspended | Email support@myflo.link |
What's next?
- Connect payments — shorter getting-started path
- Flo Payments — fees, gross-up, settlement, payout timing
- Wallet overview — balances and sales
- Connect bank — change payout account
- Payout schedule — pending vs available, booking holds
- Publish your first page — go live while verification runs