De-risk merchant onboarding with financial intelligence
Reduce risk in merchant onboarding with direct access to financial data, automated document processing, and real-time insights. Flinks helps you determine if a business is safe to onboard by analyzing financial data, payment behavior, and operational patterns.
Trusted by leading financial institutions and innovators
How Flinks works
Capture financial data
Connect commercial bank accounts or use uploaded financial documents to retrieve transaction history and key account details.
Analyze and enrich transactions
Flinks extracts, structures and enriches raw transaction data, applying categorization and generating comprehensive financial attributes.
Access Actionable Insights
Access risk signals, financial summaries, and business attributes through API, webhooks, or dashboard to support faster, more confident onboarding decisions
How Flinks can help
Reduce onboarding risk from day one
Go beyond basic KYB checks by validating real financial activity. Analyze up to 12 months of transaction data to assess financial health, detect inconsistencies, and identify high-risk merchants before onboarding decisions are made.
Automate financial data collection and analysis
Retrieve data through bank connectivity or document upload, and automatically generate insights into how a business earns, spends, and moves money. Eliminate manual review and reduce back-and-forth while modernizing your onboarding experience.
Identify risk signals with deeper financial insights
Leverage enriched transaction data and hundreds of financial attributes to understand how a business generates revenue, manages cash flow, and operates day to day. Identify risk signals like unstable income, unusual fund flows, and inconsistent financial patterns before onboarding.
Build flexible onboarding workflows with APIs
Integrate Flinks into your onboarding stack with APIs for bank connectivity, document upload, and data enrichment. Build end-to-end workflows that reduce friction, automate decisioning, and scale with your business.
How different industries are using Flinks’ cash flow analysis
Accelerate merchant onboarding while maintaining strong risk controls. Automate financial validation and reduce friction for SMBs and mid-market businesses joining your platform.
Modernize business onboarding with better financial visibility and automated risk assessment. Enable faster approvals, reduce exposure, and support scalable growth with the Flinks API.
Explore our embedded finance solutions
Connect
Allow your customers to connect their bank accounts and gain instant access to data from 15,000+ financial institutions in North America.
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Enrich
Turn raw data into 4,500+ real-time attributes covering transactions, income, cash flow trends, liabilities, NSF, loan stacking, and more.
Upload
Process and verify bank statements and void cheques in real time to prevent fraud, accelerate decisions, and streamline onboarding.
Pay
Simplify account validation, funding, loan repayments, and PAD authorization with one secure payment platform.
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