← Embedded Finance Index 2026/Vendor

Flow

Provider

Spend / APBaaS

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 2 companies across 2 categories.

withflow.com ↗Also analysed as a company — its own stack →

CategoriesSpend / AP, BaaS
Rank#46 of 63 in Spend / AP
Buyers2 companies

Claim this profile

Work at Flow? Verify your work email to unlock your full disclosed buyer list.

Who uses Flow

2 companies disclose Flow in their stack

Qonto Snelstart

Buyer mix · 2 of 2 classified

Fintech / SMB banking · 1Vertical SaaS / Accounting · 1

EU · 2

What the disclosures say

Qonto

“Qonto finance management page (qonto.com/en-de/finance-management) confirms native expense management, invoicing, and cash flow tools.”

Snelstart

“withflow.com/cases/snelstart: 'Flow partnered with Adyen to help SnelStart launch SnelStart Bankieren'; open-conversations.org headline confirming Adyen as underlying rail.”

The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Flow? Claim this profile above to unlock your own full list.

Alternatives to Flow

Other Spend / AP providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

BILL32 buyers →Brex27 buyers →Ramp22 buyers →Tipalti18 buyers →Pleo13 buyers →Findity11 buyers →Melio10 buyers →Soldo9 buyers →

Share this rank

An embeddable badge for Flow’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.

Copy-paste snippet

<a href="https://www.embeddedfinanceindex.com/vendors/flow?ref=badge">
  <img src="https://www.embeddedfinanceindex.com/api/badge/flow.svg"
       alt="Ranked #46 of 63 in Spend / AP — Embedded Finance Index 2026">
</a>
<img src="https://www.embeddedfinanceindex.com/api/badge/flow/install" width="1" height="1" alt="" style="display:none">