# Fliinow (English)

> Deferred payment infrastructure for the travel industry. Travel businesses offer instant installment financing at checkout; they are paid in full the next business day, and Fliinow absorbs the default risk via regulated financing providers.

Fliinow is a Spanish fintech based in Valencia, operational across the Spanish travel market. The product is provider-agnostic: a single integration routes each transaction to multiple regulated lenders with automatic fallback, maximizing approval rates without exposing the partner to the underlying provider stack.

## Quick Facts
- Loan range per booking: 60 € to 5,000 €
- Installment terms: 3, 6, 9 or 12 months
- Interest conditions: 18 % TIN / 19.56 % APR
- Operation cost paid by the partner: 1.48 % (3 m), 3.76 % (6 m), 6.06 % (9 m), 8.38 % (12 m)
- Partner payout: next business day, full amount, settled to the partner's bank account
- Default risk: zero for the partner — fully absorbed by the financing providers
- API integration time: under 5 minutes
- Customer eligibility documents: Spanish DNI / NIF and a bank card
- No minimum turnover or company size required from partners
- Available to freelance travel agents (autónomos)

## Who can use Fliinow
- Online travel agencies (OTAs)
- Traditional travel agencies, including freelancers / autónomos
- Hotels and hotel chains
- Airlines
- Airline consolidators
- Vacation rentals and short-term rental managers
- Tour operators
- Tourism marketplaces and aggregators
- Any travel business with an online or assisted checkout

## How it works (customer flow)
1. The partner adds Fliinow to its checkout via the Partner API or shares a payment link generated in the partner dashboard.
2. The customer chooses 3, 6, 9 or 12 monthly installments.
3. Instant approval with Spanish DNI / NIF plus a bank card. No paperwork, no manual underwriting.
4. The booking is confirmed in real time. The partner receives the full amount the next business day.
5. Fliinow handles installment collection and assumes all default risk.

## Integration options
- Partner API (RESTful) — sandbox (demo.fliinow.com) and production (app.fliinow.com), with multi-provider fallback. Standard redirect flow and advanced embedded plan flow.
- Partner dashboard — create payment links, manage operations and reconcile settlements without writing code.
- Documentation: https://api.docs.fliinow.com

## Why partners use Fliinow
- Increase conversion at checkout by offering an affordable monthly price.
- Increase average order value (AOV) on packages, cruises and long stays.
- Get paid the next business day rather than waiting for installment collection.
- Eliminate default risk and collections work — Fliinow assumes it.
- Single integration; multiple lenders behind the scenes for higher approval rates.
- Discoverability through the Fliinow Marketplace for verified agencies.

## Frequently asked questions
Q: What is Fliinow and who is it for?
A: Fliinow is the deferred payment infrastructure for the travel industry. It enables OTAs, agencies, hotels, airlines, consolidators, vacation rentals and any travel business to offer instant installment financing without assuming default risk.

Q: How does the customer flow work?
A: At checkout the customer chooses 3, 6, 9 or 12 installments using a bank card and Spanish DNI / NIF. Approval is instant.

Q: When does the partner get paid?
A: The next business day, the full booking amount, regardless of the installment plan chosen by the customer.

Q: Who assumes the default risk?
A: Fliinow and its underlying regulated financing providers. The partner is never exposed to defaults.

Q: How long does API integration take?
A: Under 5 minutes for the standard redirect flow. The advanced embedded flow requires slightly more work but is still measured in hours.

Q: Is there a minimum turnover or company size?
A: No. Fliinow supports freelance travel agents (autónomos) and small agencies without minimums.

Q: Which markets does Fliinow operate in?
A: Spain. The customer journey is available in Spanish, English, French and Portuguese.

## Ecosystem URLs
- Website: https://www.fliinow.com
- Partner dashboard: https://app.fliinow.com
- Partner API documentation: https://api.docs.fliinow.com
- Public simulator: https://simulador.fliinow.com
- Traveler portal: https://viaja.fliinow.com
- Verified agencies marketplace: https://marketplace.fliinow.com

## Contact
- Email: hola@fliinow.com
- Phone: +34 641 28 95 28
- Location: Valencia, Spain
- LinkedIn: https://www.linkedin.com/company/fliinow/

For the full canonical documentation see https://www.fliinow.com/llms-full.txt