Flint is an iPhone and iPad app that is only available in the US, most of its features and functions can be accessed from your phone at anytime from anywhere. The website, Flint.com, explains how their mobile credit card payment platform works.
This application is convenient for those who do not work at a physical location. Individuals working for any business in any industry can benefit from using Flint; some of these include home repair servicers, physical trainers, consultants, photographers, caterers, and so on.
Flint users are able to manage, monitor, and customize their account online through their dashboard. To make transactions efficient, users can create item lists and set up sales tax for customers’ purchases.
Users are provided with ways to view their transactions using filters and track their business performance with charts. This portal can also be accessed to void transactions or view the progress of transactions.
After a transaction has been finalized, a receipt is automatically sent via email to the customer. These receipts can be personalized by the Flint user and can be customized with the integration of social media marketing tools. If this function is set up, each customer’s receipt will include a link to post a review on Facebook. This process enables the company to increase their social presence to generate new clientele.
Anyone can sign up, for an invitation to use Flint.com’s services, either online or directly through the free iPhone application. Once you are invited to complete the sign up process, having no upfront fee or contract to sign, gaining access to Flint’s service is instantaneous.
Each debit card transaction processed through the Flint app is subject to a 1.95% fee plus $.20; Visa and MasterCard transactions are subject to a 2.95% fee plus $.20. All of the transactions are processed through 5/3 Bank; they handle both the credit card processing fees and direct deposit payments.
There are advantages to the Flint platform when comparing it to the Square Credit Card Reader, its competitor. Flint.com does not require any external hardware while Square relies on a phone attachment used to swipe cards. Square also charges higher fees per transaction; they apply a fee of 2.75% per swipe and 3.5% plus $.15 for manually entering in a card number.
The only downside to the Flint application, as noted in online reviews, pertains to the customers’ standpoint as to how the payment process works. There is an unease that sets in when the user takes a photo or scans the credit card number and then requests an iPhone screen signature to finalize the transaction.
Without having knowledge of Flint’s security features, one may think they are compromising their identity and personal information. However, the data processed through Flint is secure and protected in accordance with the set guidelines of the Payment Card Industry Data Security Standards.
7 ‘Flint.com’ Reviews
Flint suspended their service with no warning
Two weeks ago, I would have given this company 5 stars. I have used it for almost a year and was extremely pleased. I never had a problem with processing or getting the money deposited promptly. As of yesterday; however, the app is non-functional. I can't get a response via phone or email from their support department as to what's going on. I did a Google search and found that Flint has stopped all operations. Great - now I have a payment I am trying to take and can't process it. I had no notification that the company was going to quit processing.
I signed up with this company in early January 2016 because I was impressed with their reviews and their initial quick response to my enquiry. Subsequent attempts to contact them for questions prior to actually being able to use their service have been disappointing. Their phone support never seemed to be in service and when I sent an email enquiry as to how to contact them I received the following response: "Thank you for contacting Flint. Due to a high volume and staffing, our lines are currently disconnected. I apologize for any inconvenience this may be causing you. I will make sure to forward your inquiry as feedback." When I attempted to send a response, I received a message “503 Service Unavailable”. I am afraid this company may be going out of business and will be looking for credit card processing services elsewhere.
Hard to do business with
I signed up with Flint, was approved, made a couple of test charges to myself to test the system, and then tried to make a customer charge and was refused. Nothing quite like finding out in front of a client that your supplier is unreliable. Turns out they wanted me to make copies of several business documents to confirm my identity and send them to Flint, which I did. Drivers license, business license, accreditations, supplier invoices. I've been in business 30 years and have a credit rating well over 700. They also wanted two months bank statements which I did not send I'm not applying for a mortgage. When I called to check on the status of my account the support people seemed uninformed arrogant and confused, I had to keep telling one of them that I was using the desktop application and not the mobile application which he seemed completely unfamiliar with. Meanwhile I received emails saying I could begin using my account and that the first five transactions were free and welcome to Flint which was a bit confusing since my account was on hold, Finally I asked them to refund my test charges and I would like to close my account. They came up with a vague reason about being suspect about my account but they did refund my money and we parted ways I wish them luck.
Flint saves me time and money
I enter all my cash and check charges into Flint so that I capture everything in one place. Digital receipts go out to those customers and it is a great excuse to capture their email so I can reach out to them in the future. Flint gives me access to all my customer email addresses. I used to like Square until I realized they were keeping my customer contacts for themselves without giving me access to my own customer data. My blended rate with Flint is 2.49%. The fact that Flint Doesn't add an extra 1% and $0.19 extra per typed-in transaction makes a huge difference in the effective rate I end up paying. I have 5 Employees that process payments for me on their own phones. I didn't need to buy new iPads! It was easy to invite them to set up login's under my account and they were able to get started processing cards at our weekend event the same morning that I invited them. Flint is just so easy and Awesome!
Just what I need
Flint is easy to set up and run. Invoicing is available. POS capabilities are easy, just have to snag the card number with the camera on your phone. Reporting is a breeze and all processing is through Fifth Third Bank. Deposits are in my account within 2 days. The fees are nominal and much less than any other portable solution that I have found. Recommend this solution highly.