cflox inside
Custom solutions

Customized payment services, modules, and interfaces for companies, financial institutions, and corporate networks.


ZAG-as-a-Service: Your partner for integrated payment services

As an international payment institution, we develop and operate tailor-made ZAG and PSD2 compliant payment services. Our minimally invasive approach enables the integration of ZAG payment services without any setup, operational, or regulatory effort, allowing you to fully focus on your core business.


We operate integrated payment services for our partners and their solutions and jointly realize existing potentials.


Our technology base, expandable modules, and individual features create a solution that is tailor-made to our clients’ specific requirements and strategic goals – fast, secure, and powerful.


Based on state-of-the-art digital technologies, our solutions are scalable, continually optimized, and provide users with real-time access to relevant information.


Scalability and automation within existing systems and processes facilitate a fast-paced time to market and rollout without internal resource constraints.


Supplier Portals
Receivables Finance
Whitelabel Solutions
Integration Into Existing Systems
Integrated Financing Solutions
Data Analytics
Regulated Payment Services
Master Data Management
Payment Process Management
Multi-banking Solutions
B2B Payment Services


Conception, development, and operation

cflox is not only a financial expert and strategic consultant, but also a digital transformer. As a specialist in trade finance, core competencies from the finance, risk management, and technology field, as well as the world of startups, corporates, and entrepreneurship, are combined. Become a partner, develop a mutual strategy, and realize the fast, targeted, and effective implementation of state-of-the-art digital solutions. These are our four main steps:

Step 1

Analysis & Consulting

Comprehensive and targeted analysis and consulting for tailor-made solutions, fast implementation, and seamless operation.

Step 2

Development & Customizing

Conceptualization and development of tailor-made solutions and infrastructure for trade finance and purchase-to-pay processes.

Step 3

Global Full-Service Solutions

High scalability of network partners and the participating volume with seamless embedding in global system landscapes and comprehensive services.

Step 4

Operation & Technical Support

Technical development and integration by our agile IT team with worldwide service and support – accessible directly from one single source.

Customer voices

With its vision, insight, and implementation strength, cflox helps us develop new services for our industrial partners and roll them out successfully.Financial Service Provider

The collaboration has allowed us to quickly present our members with a state-of-the-art digital solution adapted to our specifications and our design.Financial Service Provider

cflox has been able to quickly integrate our complex system landscape with many data sources and processing systems, so today we can utilize our data and benefit from the new potential and added value.Industry Association


Contact us!

Successful supply chains optimize the financing of Working Capital directly and dynamically. How can cflox help you optimize your cash flow? Contact us now to receive further information.

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10 years of successful working capital optimization