Reduce processor lock-in
Keep Stripe as your primary gateway without making Stripe your only card-on-file layer. Flo Vault gives you the flexibility to add or change processors later without starting from zero.
Flo Vault gives growing merchants an independent, PCI-compliant card-on-file layer, so saved payment methods stay portable across processors.
Use Stripe today. Add WorldPay, Adyen, or other gateways tomorrow. Keep processing no matter what.
Most businesses do not realise how much payment risk sits inside their saved card tokens.
If every customer card is stored only with one gateway, your recurring revenue depends on that gateway remaining available, approved, and performant.
Flo Vault changes that.
By securely vaulting customer cards through an independent PCI-compliant vault, Flo separates your customer payment relationship from any single processor. That means you can keep using Stripe as your primary gateway while preparing your business for fallback, routing, recovery, and long-term payment resilience.
Stripe, PayPal, Worldpay, and other payment providers are powerful. But relying on one processor for everything creates hidden risk.
If your saved payment methods only live inside one gateway, then switching processors, adding fallback, or recovering from account restrictions becomes painful.
You may face:
Flo Vault reduces that risk by giving you a processor-neutral saved payment method layer.
Flo Vault securely captures and stores customer payment methods in a PCI-compliant vault, then lets Flo route transactions to the best available processor.
Instead of locking payment methods to one gateway, Flo creates a flexible foundation for multi-provider payments.
You keep the customer relationship. Flo handles the payment complexity.
Keep Stripe as your primary gateway without making Stripe your only card-on-file layer. Flo Vault gives you the flexibility to add or change processors later without starting from zero.
Subscription businesses depend on saved payment methods. Flo Vault helps preserve payment continuity by making future rebills portable across supported processors.
If one gateway declines, degrades, or becomes unavailable, Flo can support future fallback logic through another provider without asking the customer to re-enter their card.
A vault-backed payment layer creates the foundation for intelligent retry logic, issuer-aware recovery, alternative gateway attempts, and better subscription payment recovery.
Flo Vault separates payment method storage from payment processing, reducing concentration risk and giving your business more control over its payment operations.
Sensitive card data is handled through a PCI-compliant vault flow, helping merchants avoid storing raw card data directly while still gaining processor flexibility.
Stripe is excellent infrastructure.
But as your business grows, you may need more than a single gateway:
Flo Vault lets you keep using Stripe while building the foundation for a more resilient payment stack.
You do not need to leave Stripe.
You just need to stop depending on Stripe alone.
Drop Flo’s checkout SDK into your site or app.
Customer card details are captured through the Flo Vault widget and stored using a PCI-compliant vault flow.
Flo stores a processor-neutral payment reference that can be used for future payments and gateway routing.
Start with Stripe, PayPal, or your active gateway setup.
As your payment stack grows, Flo can route transactions through additional providers without changing your frontend integration.
Keep saved payment methods available for future rebills, even as your processor strategy changes.
Add additional payment providers without forcing customers through another card capture process.
Move volume gradually between gateways instead of doing a painful all-at-once migration.
Retry failed payments using better timing, better routing, and better recovery flows.
Route customers to processors better suited to their country, currency, or card issuer.
Create the foundation for delegated agent payment tokens and future machine-to-machine payment flows.
Flo Vault is designed to keep payment integrations simple.
Your frontend works with the Flo SDK. Your backend works with Flo sessions, customers, products, and payment references. Flo handles the gateway-specific complexity behind the scenes.
Developers get:
No messy processor-specific token logic across your application.
Flo Vault is built around a simple principle:
Your business should control payment continuity without directly handling raw card data.
Sensitive payment details are captured and stored through PCI-compliant vault infrastructure. Flo gives merchants the benefit of portable saved payment methods while keeping raw card data out of their application systems.
Security and compliance considerations include:
No.
Flo Vault is designed to work with Stripe. The goal is not to replace Stripe. The goal is to avoid making any one gateway your only payment dependency.
For new customers captured through Flo Vault, saved payment methods become available through Flo’s vault-backed architecture. This creates the foundation for future routing and fallback without repeated card entry.
For existing gateway-stored cards, migration options depend on the processor and PCI/token export process.
Flo uses PCI-compliant vault infrastructure to tokenize and manage payment methods securely. Merchants do not store raw card data in their own systems.
No. Vaulting is useful for subscriptions, one-click purchases, upsells, account upgrades, retries, recovery, and future agentic payment flows.
Yes. Flo supports Stripe and Stripe alternative payment methods, while also building the foundation for additional processors and payment routes.
A standalone vault stores cards.
A gateway processes payments.
Flo connects both into an orchestration layer.
With Flo Vault, the saved payment method becomes part of a broader payment strategy:
That is the difference between storing cards and owning your payment infrastructure.
If your saved payment methods only live inside one gateway, now is the time to fix it. Flo Vault gives you a secure, portable card-on-file layer built for modern payment orchestration.
Keep Stripe. Lose the lock-in.