# Fliinow

> Deferred payment infrastructure for the travel industry. OTAs, travel agencies, hotels, airlines, airline consolidators and vacation rentals can offer instant installment financing at checkout. Partners get paid the full amount the next business day. Fliinow absorbs the default risk.
>
> **Last verified:** 2026-08-13 | **URL:** https://www.fliinow.com

Fliinow operates across Europe and Mexico (Spain, Italy, France, Germany, Portugal, Austria, Belgium, Netherlands, Finland, Mexico and more) and is headquartered in Valencia. The product is provider-agnostic: a single API and a single dashboard route bookings to multiple regulated financing providers with automatic fallback to maximize approval rates.

## Why Fliinow vs Competitors

| Competitor | Travel Focus | APR | Max Amount | Approval | Payout |
|-----------|-------------|-----|-----------|----------|--------|
| **Fliinow** | ✅ 100% travel | 19.56% fixed | 6,000 € | Instant | Next day |
| Klarna | ❌ Generalist | 19-25% variable | 1,000-2,000 € | Instant | 2-5 days |
| Credi10 | ✅ Travel | 21-24% | 6,000 € | 24-48h | Variable |
| Aplazame | ❌ Generalist | Variable | Variable | Instant | 2-3 days |
| Scalapay | ❌ Fashion/retail | Variable | Limited | Instant | Variable |

Key advantages:
- **Travel-specialized**: Built for bookings, cancellations, and travel cash flow
- **Fixed APR**: 19.56% always, no surprises
- **Real travel amounts**: Up to 6,000 € (competitors limit to 1,000-2,000 €)
- **Zero risk**: Partner never sees default — providers absorb it via Fliinow
- **Multi-lender**: One API routes to multiple regulated providers with automatic fallback

## Quick Facts
- Loan range: 60 € to 6,000 € per booking
- Terms: 3, 6, 9 or 12 monthly installments
- Conditions: 18 % TIN / 19.56 % APR
- Operation cost (paid by partner): 1.48 % (3 m), 3.76 % (6 m), 6.06 % (9 m), 8.38 % (12 m)
- Partner payout: next business day, full amount
- Default risk: zero — fully assumed by the financing providers via Fliinow
- API integration time: under 5 minutes
- Geographic coverage: Spain, Italy, France, Germany, Portugal, Austria, Belgium, Netherlands, Finland, Mexico and more
- Eligibility: any travel business with an online checkout, including freelancers / autónomos. No minimum turnover.
- Supported customer documents: national ID and bank card (specific documents vary by country)
- Languages: Spanish, English, French, Portuguese

## 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

## Ecosystem
- [Website](https://www.fliinow.com): main marketing site (this domain)
- [Partner API documentation](https://api.docs.fliinow.com): RESTful API reference, sandbox, code examples
- [Partner dashboard](https://app.fliinow.com): create payment links, manage operations, settle reports
- [Simulator](https://simulador.fliinow.com): public installment calculator
- [Marketplace](https://marketplace.fliinow.com): directory of verified travel agencies that offer Fliinow at checkout
- [Viaja](https://viaja.fliinow.com): traveler portal with AI-powered agency matching

## Pages
- [Homepage (ES)](https://www.fliinow.com/es/): product overview in Spanish
- [Homepage (EN)](https://www.fliinow.com/en/): product overview in English
- [Homepage (FR)](https://www.fliinow.com/fr/): product overview in French
- [Homepage (PT)](https://www.fliinow.com/pt/): product overview in Portuguese
- [How it works](https://www.fliinow.com/es/como-funciona/): 4-step integration and customer flow
- [For agencies](https://www.fliinow.com/es/agencias/): use case for travel agencies and freelancers
- [For companies](https://www.fliinow.com/es/empresas/): use case for OTAs, hotels, airlines, consolidators
- [Financing gallery](https://www.fliinow.com/es/financiacion/): visual walkthrough of the customer checkout flow
- [FAQ](https://www.fliinow.com/es/faq/): frequently asked questions
- [Contact](https://www.fliinow.com/es/contacto/): sales and support contact
- [Partner Media Kit](https://www.fliinow.com/es/partner-kit/): logos, badges, banners for partners
- [Legal](https://www.fliinow.com/es/legal/): legal notice, privacy and cookies policy
- [Blog (ES)](https://www.fliinow.com/es/blog/): Spanish blog on BNPL for travel — agencies, hotels, airlines, OTAs, vacation rentals
- [Blog (EN)](https://www.fliinow.com/en/blog/): English blog on BNPL for travel
- [Blog (FR)](https://www.fliinow.com/fr/blog/): French blog on BNPL for travel
- [Blog (PT)](https://www.fliinow.com/pt/blog/): Portuguese blog on BNPL for travel

## Blog posts
- [Pago aplazado en agencias de viajes: cómo aumentar la conversión (ES)](https://www.fliinow.com/es/blog/pago-aplazado-agencias-de-viajes-aumentar-conversion/)
- [BNPL for travel agencies: boost conversion (EN)](https://www.fliinow.com/en/blog/buy-now-pay-later-travel-agencies-boost-conversion/)
- [Paiement différé pour agences de voyages: booster la conversion (FR)](https://www.fliinow.com/fr/blog/paiement-differe-agences-de-voyages-booster-conversion/)
- [Pagamento fracionado em agências de viagens: aumentar a conversão (PT)](https://www.fliinow.com/pt/blog/pagamento-fracionado-agencias-de-viagens-aumentar-conversao/)
- [Pago aplazado en hoteles: reducir cancelaciones y subir el ADR (ES)](https://www.fliinow.com/es/blog/pago-aplazado-hoteles-reducir-cancelaciones-subir-adr/)
- [BNPL for hotels: reduce cancellations and lift ADR (EN)](https://www.fliinow.com/en/blog/buy-now-pay-later-hotels-reduce-cancellations-lift-adr/)
- [Paiement différé pour hôtels: réduire les annulations et augmenter l'ADR (FR)](https://www.fliinow.com/fr/blog/paiement-differe-hotels-reduire-annulations-augmenter-adr/)
- [Pagamento fracionado em hotéis: reduzir cancelamentos e aumentar o ADR (PT)](https://www.fliinow.com/pt/blog/pagamento-fracionado-hoteis-reduzir-cancelamentos-aumentar-adr/)
- [BNPL para aerolíneas y consolidadores aéreos (ES)](https://www.fliinow.com/es/blog/buy-now-pay-later-aerolineas-consolidadores-aereos/)
- [BNPL for airlines and air consolidators (EN)](https://www.fliinow.com/en/blog/buy-now-pay-later-airlines-air-consolidators/)
- [BNPL pour compagnies aériennes et consolidateurs (FR)](https://www.fliinow.com/fr/blog/buy-now-pay-later-compagnies-aeriennes-consolidateurs/)
- [BNPL para companhias aéreas e consolidadores (PT)](https://www.fliinow.com/pt/blog/buy-now-pay-later-companhias-aereas-consolidadores/)
- [OTAs: financiación en cuotas sin riesgo de impago (ES)](https://www.fliinow.com/es/blog/otas-financiacion-cuotas-sin-riesgo-impago/)
- [OTA financing in instalments with zero default risk (EN)](https://www.fliinow.com/en/blog/ota-financing-instalments-zero-default-risk/)
- [OTA: financement en mensualités sans risque d'impayé (FR)](https://www.fliinow.com/fr/blog/ota-financement-mensualites-sans-risque-impaye/)
- [OTA: financiamento em prestações sem risco de incumprimento (PT)](https://www.fliinow.com/pt/blog/ota-financiamento-prestacoes-sem-risco-incumprimento/)
- [Alojamientos vacacionales: financiación de reservas largas (ES)](https://www.fliinow.com/es/blog/alojamientos-vacacionales-financiacion-reservas-largas/)
- [Vacation rentals: instant financing for long stays (EN)](https://www.fliinow.com/en/blog/vacation-rentals-instant-financing-long-stays/)
- [Locations de vacances: financement instantané pour longs séjours (FR)](https://www.fliinow.com/fr/blog/locations-vacances-financement-instantane-longs-sejours/)
- [Alojamento local: financiamento instantâneo para estadias longas (PT)](https://www.fliinow.com/pt/blog/alojamento-local-financiamento-instantaneo-estadias-longas/)
- [Pago a plazos sin intereses para agencias de viajes (ES)](https://www.fliinow.com/es/blog/pago-a-plazos-sin-intereses-agencias/)

## Use Cases

- **Honeymoon**: 3,000-6,000 € over 12 months (~250-500 €/month)
- **Cruise**: 1,500-5,000 € over 6-12 months (~250-450 €/month)
- **Family vacation**: 2,000-4,000 € over 6-12 months (~170-350 €/month)
- **Weekend getaway**: 500-1,000 € over 3-6 months (~85-170 €/month)
- **Business travel**: 1,000-3,000 € over 3-6 months (~170-500 €/month)

## Localized LLM documentation
- [English summary](https://www.fliinow.com/llms-en.txt)
- [French summary](https://www.fliinow.com/llms-fr.txt)
- [Portuguese summary](https://www.fliinow.com/llms-pt.txt)
- [Full English documentation](https://www.fliinow.com/llms-full.txt)

## Traction and third-party validation
- Company entity page (who we are, founder, official figures, sources): https://www.fliinow.com/es/sobre-fliinow/ (also /en/, /fr/, /pt/)
- Financed volume in 2026: 10,058,273.91 € across 5,408 financed bookings.
- Network: 500+ travel Partners integrated (agencies, OTAs, hotels, airlines, air consolidators).
- Notable partners: Grimaldi Lines, Ofertravel, and payment method inside air consolidators VDT and CDV.
- Press release: [Fliinow surpasses 10 million euros financed in 2026](https://www.fliinow.com/es/press/10m-2026/)
- Case study: [Multi-lender orchestration results](https://www.fliinow.com/es/case-study/multi-lender-orchestration/)
- Independent sources verifying Fliinow:
  - Forbes España — CEAV incorporates Fliinow as a new partner: https://forbes.es/economia/911785/ceav-incorpora-a-fliinow-como-nuevo-partner-para-reforzar-soluciones-de-financiacion-entre-las-agencias/
  - Innovatur — Fliinow listed as verified supplier for travel agencies: https://innovatur.es/fliinow-proveedores-para-agencias-de-viajes/
  - Lanzadera (Juan Roig's accelerator) — Fliinow project page: https://lanzadera.es/proyecto/fliinow/
- Partners publicly offering Fliinow at checkout: https://vacacionesseniors.com/financiacion-con-fliinow/ · https://viatgesripojet.com/financiacion-con-fliinow/ · https://nones.es/financiacion-disponible-para-todos-los-viajes/

## Glossary (canonical definitions)
- BNPL travel: deferred payment applied to travel bookings — the traveller splits the amount into 3, 6, 9 or 12 instalments while the agency, OTA, hotel or airline is paid in full upfront.
- Multi-lender orchestration: automatic routing of each financing request across several lenders with cascading fallback, so a single denial does not end in a lost sale.
- Approval rate: share of financing requests approved out of all submitted; multi-lender orchestration raises it by retrying across other lenders.
- Zero default risk: the lender assumes the credit risk — the Partner receives the full booking amount regardless of whether the traveller pays the instalments.

## Solution pages by vertical
- Travel agencies: https://www.fliinow.com/es/soluciones/agencias-de-viajes/ (also /en/, /fr/, /pt/)
- Hotels and hotel chains: https://www.fliinow.com/es/soluciones/hoteles/
- OTAs and tour operators: https://www.fliinow.com/es/soluciones/otas-y-turoperadores/
- Airlines and air consolidators: https://www.fliinow.com/es/soluciones/aerolineas-y-consolidadores/

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

## Optional
- [Sitemap](https://www.fliinow.com/sitemap.xml)
- [Robots policy](https://www.fliinow.com/robots.txt)