Knowledge Base
Frequently
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Every question that matters, answered with precision. If yours is not listed, write to samar@flowdsoo.com
Knowledge Base
Every question that matters, answered with precision. If yours is not listed, write to samar@flowdsoo.com
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FLOW is India's premier B2B invoice collections and dunning automation platform — engineered for the SME that refuses to accept delayed payment as a permanent operating condition. The core problem: you complete work, deliver goods, raise a GST-compliant invoice, the buyer acknowledges receipt — and then nothing. The buyer delays indefinitely while you continue paying salaries, procuring materials, and servicing your business on cash that has not arrived.
FLOW eliminates that cycle with precision. Submit your invoice — or connect your accounting software and let it synchronise automatically. FLOW executes a systematic, professional, multi-channel escalation sequence in your business name: WhatsApp reminders, email notices, SMS alerts, and a formally structured legal demand letter, without a single additional action from you. When your buyer settles, FLOW charges a modest commission. If payment never arrives, FLOW charges nothing beyond the monthly subscription.
No, under any interpretation of that term. FLOW does not lend capital. FLOW does not purchase your invoices at a discount. FLOW does not advance funds against your receivables. No debt is created between you and FLOW. There is no interest, no repayment schedule, and no financial product of any kind. FLOW is a software automation platform. The financial transactions between you and FLOW are precisely two: your monthly subscription fee and a commission on recovered amounts. The underlying capital being collected is entirely and exclusively yours — already owed to you by your buyer.
No. FLOW is not a Non-Banking Financial Company and holds no RBI registration in that capacity. FLOW is a SaaS (Software as a Service) platform. It does not accept deposits, does not extend credit, and does not intermediate funds between parties. No RBI approval or licence is required to use FLOW. The platform's only regulated obligation is DPDP Act 2023 compliance in respect of personal data handling.
No. Licensed debt collection agencies operate as independent third-party collectors acting in their own name. FLOW operates on a categorically different principle: every single communication dispatched through FLOW is sent in your business name, representing you. FLOW is the invisible automation layer. Your buyer receives correspondence from you — FLOW's identity does not appear in any buyer-facing communication. FLOW does not act as your legal agent, your representative, or your intermediary. It is a precision tool, not a third party.
No — and any platform claiming otherwise would be making a fraudulent representation. What FLOW guarantees is flawless execution: a systematic, professionally calibrated, fully documented escalation sequence from a courtesy reminder through to a formal legal demand letter. This sequence resolves the substantial majority of overdue invoices, because buyers respond to applied, consistent pressure combined with the credibility of a formal legal instrument. However, if a buyer has made the deliberate decision not to pay and is willing to bear legal consequences, no software platform can compel payment. At that point, independent legal proceedings are your recourse — for which FLOW's complete communication records serve as documented evidence.
FLOW is purpose-built for Indian SMEs in any sector that raises B2B invoices — manufacturers, traders, distributors, contractors, service providers, consultants, logistics operators, pharma distributors, textile suppliers, engineering component vendors, food processors, IT service firms. If you raise a GST invoice to another business and that business has a habit of paying late or not at all, FLOW is precisely for you. The platform is designed specifically for the Indian B2B payment environment — not adapted from a foreign market context.
FLOW is focused exclusively on India in the current phase. The platform is architected around India's regulatory and operational environment — GST-compliant invoice fields, Indian court jurisdiction, DPDP Act 2023 data compliance, and integrations with Tally and Zoho Books, which are India-dominant platforms. International expansion is not within the scope of the current roadmap.
Five structural distinctions separate FLOW from manual follow-up. Consistency: FLOW never forgets, never softens because the relationship feels uncomfortable, and never skips a step. Multi-channel reach: From Step 3, FLOW contacts the buyer simultaneously on WhatsApp, Email, and SMS — something virtually no individual or lean team executes systematically. The legal demand letter: FLOW generates and dispatches a formally structured legal demand automatically at Step 6 — no lawyer engagement, no drafting cost, no delay. Documented records: Every communication is timestamped and logged, providing a defensible documentary trail should you elect to pursue independent litigation. Scale and bandwidth: Managing twenty overdue invoices across twenty buyers, each at a different stage of overdue, is a full-time operational role. FLOW runs all of it in the background while you operate your business.
Marshal is FLOW's AI-powered autonomous collections agent. Once an invoice is submitted and cleared through fraud scoring, Marshal executes every step of the escalation sequence automatically — composing and dispatching every WhatsApp message, email, and SMS in your business name, generating the legal demand letter at Step 6, and logging every action with a timestamp. Marshal is not a human. Marshal is not FLOW staff. Marshal is a software agent — purpose-built to execute a systematic, professionally calibrated dunning process with zero human intervention at the execution layer. You configure nothing after submission. Marshal handles everything.
No. FLOW records every dispatch attempt with a timestamp and logs delivery status where the channel provides confirmation. However, successful delivery depends on third-party infrastructure — WhatsApp (via our licensed BSP), SMS (via Fast2SMS), and Email (via Maileroo) — all of which operate independently of FLOW. Factors outside FLOW's control include WhatsApp service outages, TRAI DND registration suppressing SMS delivery, email spam filters, or incorrect contact details you provided at invoice submission. FLOW's obligation is to dispatch correctly and promptly — not to guarantee that the underlying channel delivers.
Visit flowdso.com and register with your name, business email address, and mobile number. An email verification OTP is dispatched immediately. Once verified, your 14-day free trial commences. No credit card or payment instrument is required to initiate the trial.
Registration requires only your name, email, and mobile. Before FLOW can process your first invoice, KYC verification must be completed. KYC requires your GSTIN, your PAN (business PAN or proprietor PAN depending on your structure), and your bank account number and IFSC code for payout disbursement. All sensitive data submitted during KYC is encrypted using AES-256 and is never stored in plaintext.
FLOW is a financial collections platform processing real outstanding receivables against real businesses. KYC verification establishes that the submitting entity is a legitimate, verifiable business — protecting your buyers from being contacted for debts they do not owe, protecting FLOW's platform integrity from misuse, and ensuring that recovered funds are disbursed to the verified account of the correct entity. KYC is an absolute requirement. No exceptions are made.
Yes. FLOW supports Private Limited companies, LLPs, proprietorships, and partnerships. KYC documentation requirements vary by entity type — proprietorships submit proprietor PAN; companies submit business PAN. All are fully supported.
FLOW currently requires a valid GSTIN. The platform is architected around GST-compliant invoice processing — GSTIN underpins invoice validation, buyer verification, and statutory record-keeping. Non-GST businesses are not supported in the current phase.
No separate contract is required for Trial, Starter, Growth, Business, or Pro plans. Accepting FLOW's Terms & Conditions at the point of registration constitutes the binding agreement. Enterprise plans may involve a bespoke agreement depending on scope and volume.
By accepting FLOW's Terms & Conditions at registration, you consent to the processing of your name, email address, and mobile number for account management and platform communications. KYC data (PAN, GSTIN, bank details) is processed under legal obligation — not consent — and cannot be deleted upon consent withdrawal. Full details of what data is collected, for what purpose, and for how long are available in the DPDP Consent Notice. You may withdraw non-mandatory consent at any time by writing to privacy@flowdso.com.
KYC verification typically completes within 24 to 48 business hours of document submission. Status is visible in your dashboard at all times. Review may take longer if documentation is unclear, names do not match across documents, or additional verification is required. FLOW does not guarantee a specific verification timeline. If your KYC has been under review for more than 48 hours, email samar@flowdsoo.com with your account details for an update.
Three intake channels are available. Direct Upload: Log into your FLOW dashboard and upload your invoice as a PDF or image. FLOW's AI OCR engine extracts all invoice data automatically. Review, correct if necessary, and confirm. The process takes under two minutes per invoice. Tally Integration: If your Tally implementation partner has connected your instance to FLOW via the SDK, invoices flow from Tally into FLOW automatically at the moment of creation in your accounting software. Zero additional action required. Zoho Books Integration: FLOW receives webhook events from Zoho Books when invoices are created or updated. Once established, the integration operates entirely automatically.
Invoice number, invoice date, due date, total invoice amount, buyer legal name, buyer registered address, buyer GSTIN, line items (description, quantity, rate, amount), and tax breakdowns (CGST, SGST, IGST). You review and confirm all extracted data before submission — accuracy of submitted data is your responsibility.
The extraction interface permits editing of any field prior to confirmation. You are responsible for verifying the accuracy of all extracted data before submission. FLOW's liability does not extend to consequences arising from incorrect data that you confirmed at submission. If you encounter a systematic extraction error on a particular invoice format, report it to samar@flowdsoo.com for investigation.
Yes. FLOW accepts invoices at any stage of overdue. The escalation sequence is calibrated to commence at the appropriate step based on how many days overdue the invoice already is at the time of submission. An invoice ten days past due will enter at Step 4 rather than Step 1 — no recovery time is wasted.
Invoices exceeding your plan's maximum are rejected at intake and will not enter the dunning queue. Upgrading your plan immediately removes the restriction.
Yes. Any active dunning sequence can be paused or permanently stopped from your dashboard at any point before completion. Stopping a sequence does not delete the invoice record — all data and communication history are preserved.
No. Invoice data is subject to a mandatory minimum 7-year retention obligation under the GST Act. Records cannot be permanently deleted during this retention period. The associated dunning sequence can be stopped, but the documentary record persists for the full statutory term.
Mark the invoice as paid in your FLOW dashboard. The dunning sequence ceases immediately. Commission is calculated on the recovered amount and recorded in your ledger for end-of-month collection. If only a partial payment was received, record the actual amount — commission is charged exclusively on what was recovered, and the outstanding balance may continue through the sequence or be managed independently at your discretion.
Dunning is the formal discipline of systematically contacting a debtor — your buyer — to recover an outstanding payment obligation. FLOW automates the entire process from inception to conclusion: pre-due reminders, overdue notices, escalating demands, and a formal legal instrument. Every step executes automatically after invoice submission. You monitor progress. FLOW executes.
WhatsApp (via WAHA), SMS (via Fast2SMS), and Email (via Maileroo). Steps 1 and 2 utilise WhatsApp and Email. From Step 3 onwards, all three channels are activated simultaneously on every communication. This multi-channel deployment is intentional and deliberate — in the Indian B2B environment, WhatsApp is the dominant business communication channel, dramatically outperforming email in open and response rates. Reaching a buyer simultaneously across all three channels makes the communication impossible to dismiss.
The legal demand letter is a formally structured written document that: identifies both parties (your business and the buyer's), states the invoice number, date, due date, and outstanding amount with full precision, demands settlement within a specified period, and serves formal notice that failure to remit payment may result in independent legal proceedings against the buyer. It is dispatched via Email and WhatsApp.
This is a formal written communication — not a court filing, not a summons, and not the initiation of any legal action. Its potency lies in credibility: the overwhelming majority of buyers, upon receiving a formal legal demand letter, elect to pay rather than expose themselves to litigation costs and reputational consequences. An instrument that would ordinarily require engaging counsel and bearing drafting costs for each individual invoice is generated and dispatched by FLOW automatically at Step 6, at zero incremental cost to you.
No. FLOW is a software platform, not a law firm. Should the complete six-step sequence conclude without payment, independent legal proceedings remain your recourse and must be initiated by you. FLOW provides a complete, timestamped record of every communication dispatched — channel, recipient, content, and time — which serves as substantive documentation for any legal action you elect to pursue.
Exclusively in your name. Your buyer receives correspondence from your business. FLOW does not appear in any buyer-facing communication under any circumstances. This is a deliberate architectural decision — it preserves your business relationship framing and ensures the buyer understands that the communication originates with you, not a third-party agency.
Pause or stop the dunning sequence from your dashboard immediately. FLOW does not adjudicate commercial disputes between you and your buyer — that is a matter between you and the counterparty. FLOW's role is to execute the escalation sequence you have set in motion. If a buyer raises a bona fide dispute, handle it directly. All communications dispatched up to that point remain in the system log as a documented record of the timeline. Do not continue a dunning sequence against an invoice subject to an active genuine dispute.
On Starter, Growth, and Pro plans, message content is standardised — FLOW's templates are carefully calibrated for tone and legal appropriateness at each escalation step. Your business name appears in every message; FLOW's identity does not. On Enterprise plans, bespoke message customisation may be available as part of your agreement. Contact samar@flowdsoo.com to discuss Enterprise requirements.
No. The legal demand letter is AI-generated by Marshal and automatically dispatched at Step 6 without human legal review. It is a formally structured written demand — not a document prepared by a qualified advocate and not a court filing. Its effectiveness is derived from its formal tone, precise invoice detail, and the credible signal that formal proceedings may follow — not from having been reviewed by counsel. If you anticipate that your buyer will contest the debt in court, engage an independent advocate. FLOW's complete communication record and invoice hash will serve as supporting evidence.
WhatsApp messages are delivered via WAHA, a licensed WhatsApp Business Solution Provider (BSP), in compliance with Meta's WhatsApp Business Messaging Policy. SMS is delivered via Fast2SMS using TRAI-registered Sender IDs and pre-approved message templates. You are responsible for ensuring that the buyer contact details you provide are accurate and that you have a legitimate business basis to contact the buyer — FLOW's messaging infrastructure is not a vehicle for contacting parties who are not genuinely indebted to you.
Every invoice submitted to FLOW is automatically assessed by the platform's fraud engine and assigned a risk score between 0 and 100 before entering the dunning queue. FLOW's dunning automation is a powerful instrument — and powerful instruments are susceptible to misuse. Without a fraud gate, bad actors could weaponise the platform to pursue fabricated invoices, harass parties who owe nothing, or facilitate financial fraud. The fraud score is FLOW's primary integrity safeguard and is applied to every invoice without exception.
Signals assessed include: invoice amount relative to the submitting SME's historical average; buyer GSTIN validity; invoice date and due date logic integrity; duplicate detection (same amount, same buyer, same or proximate dates); submission velocity — a sudden concentration of invoices from a single entity; and cross-invoice pattern anomalies across the SME's full history on the platform.
Fraud scoring is probabilistic, not deterministic. A legitimate invoice may score in the Medium or High band due to pattern signals — an amount significantly above your historical average, multiple invoices submitted in rapid succession, or a buyer GSTIN lookup yielding unusual results. A higher score does not constitute an accusation of fraud — it indicates that the invoice carries characteristics warranting human review before automation proceeds. The manual review process exists precisely to clear legitimate invoices that triggered elevated scores.
At the precise moment of upload, FLOW records a SHA-256 cryptographic hash — a unique digital fingerprint — of the invoice document. This hash is stored permanently alongside the invoice record. Should the invoice become the subject of a legal dispute, the hash can be used to prove definitively that the document has not been altered since the moment of upload. This is a tamper-evident integrity mechanism directly relevant to proceedings under the Indian Evidence Act.
Yes. If your invoice has been scored High (70–84) or placed on Risk Hold / Critical (85–100), you have the right to request human review. Email samar@flowdsoo.com with the invoice ID, account details, and any supporting documentation — original invoice, purchase order, delivery receipt, or buyer correspondence acknowledging the outstanding balance. A FLOW reviewer will assess the submission and respond within 5 business days. This is your right to human review for automated decisions that materially affect your platform access.
No dunning communications are dispatched while an invoice is on Risk Hold — no messages are sent to your buyer. The invoice record is fully preserved. You are notified of the Risk Hold status and the investigation outcome. If the investigation clears the invoice, it proceeds into the dunning queue from the appropriate step based on overdue days elapsed. If it does not clear, the invoice is rejected and the sequence does not proceed. FLOW's decision on Risk Hold outcomes is final.
Six tiers: Trial, Starter, Growth, Business, Pro, and Enterprise. Trial is free for 14 days — no card required. Starter, Growth, Business, and Pro are fixed monthly subscriptions. Enterprise is custom-priced based on volume and operational requirements. Full plan details are available on the Membership page.
The complete FLOW platform with no feature restrictions, for 14 days. Capacity: up to 10 active invoices simultaneously, maximum ₹10 Lakh per invoice. A 2% commission applies to any recovery during the trial period. No credit card is required. No charge is processed until Day 15 if you elect to upgrade.
If you have upgraded to a paid plan before Day 15, your subscription commences and the first charge is processed on Day 15. If you have not upgraded, your account is suspended — all active dunning sequences pause and no new invoices can be submitted. Your data and records are fully preserved. You may upgrade at any point to reactivate. Sequences that were paused will resume from their exact pause point upon reactivation.
An active invoice is one currently in the dunning queue — either progressing through the escalation sequence or awaiting Checker review. Once an invoice is marked paid, closed, or its sequence is manually stopped, it no longer counts against your plan limit. If you reach your plan's active limit, new submissions are blocked until existing invoices are resolved or your plan is upgraded.
An automatic retry cycle initiates. Should all retry attempts be exhausted without a successful charge, your account is placed on HALTED status. A 3-day grace period follows, during which you may update your payment method and settle the outstanding charge. After the grace period: platform access is suspended, all active dunning sequences pause immediately, and SDK/API access is revoked. All data and records are preserved. Reactivation is immediate upon successful payment.
Only during the free Trial. A 2% commission applies to any invoice amount recovered through FLOW's dunning sequence while you are on the Trial plan. Once you upgrade to any paid plan (Starter, Growth, Pro, or Enterprise), there is no commission — your subscription fee covers full platform access with zero performance fees.
Commission accrues in your ledger as recoveries occur during the Trial period and is collected as a single debit on the final day of each calendar month. If no invoices are recovered, no commission is charged.
No. Commission is charged exclusively on recoveries processed through an active FLOW dunning sequence. If you stopped the sequence and collected payment independently, no commission applies.
Tally, Zoho Books, Shopify, and Razorpay with direct API sync. CSV import is available for Busy, MARG, HostBooks, Vyapar, MyBillBook, Khatabook, ClearTax, and any other billing app. No SME is excluded from FLOW due to their accounting software of choice. Razorpay integration additionally supports OAuth-based account linking, enabling invoice pull and automated Razorpay Payment Link generation for invoices above ₹1,00,000 — see the "UPI & Razorpay" section below for more detail.
The Tally integration operates via FLOW's SDK — a set of API endpoints that ERP partners use to connect client accounting instances to the platform. If your Tally reseller, implementation partner, or CA has connected your Tally instance to FLOW, invoices raised in Tally flow into FLOW automatically at the moment of creation. You raise the invoice in Tally precisely as you always have. FLOW receives it with zero additional action from you.
FLOW integrates with Zoho Books via a webhook. When an invoice is raised or updated in Zoho Books, Zoho dispatches a real-time notification to FLOW, which creates the corresponding intake record. Once configured, the integration is fully automatic.
The FLOW SDK is designed for ERP partners — Tally resellers, Zoho implementation partners, accountants, and CAs — who wish to connect their entire client base to FLOW programmatically. It is not intended for individual SME use. ERP partners execute a separate partner agreement with FLOW and receive an API key. Each SME client is then uniquely identified within the platform. If you are an ERP partner interested in bringing your client base onto FLOW, contact samar@flowdsoo.com.
When a buyer pays, you record the recovery in your FLOW dashboard. On the Trial plan, FLOW calculates the 2% commission and records it in your ledger for end-of-month collection. On paid plans, there is no commission — the full recovered amount is your receivable. Payouts are processed via Razorpay — India's regulated payment infrastructure. Your verified bank account details, collected during KYC and encrypted at rest using AES-256, are passed securely to Razorpay exclusively for disbursement. FLOW does not handle or intermediate the money transfer itself.
Contact samar@flowdsoo.com immediately to correct your details before any payout is processed. FLOW bears no liability for funds disbursed to an incorrect account resulting from details you provided during KYC.
Payouts are processed through Razorpay and are typically credited within 1–3 business days after Razorpay settles to your bank account, subject to your plan tier and Razorpay's settlement cycle. FLOW does not guarantee a specific payout timeline. Delays attributable to RBI directives, Razorpay settlement queues, NPCI/UPI outages, or your bank's internal processing are outside FLOW's control. If your payout has not arrived within the expected window, email samar@flowdsoo.com with the invoice ID and Razorpay transaction reference.
Razorpay notifies FLOW if a payout attempt fails, and FLOW notifies you by email. A re-attempt is initiated within 3 business days. If the re-attempt also fails, contact samar@flowdsoo.com immediately to verify and update your bank account details — updated details are re-submitted to Razorpay after re-verification. FLOW bears no liability for payout failures resulting from incorrect bank details provided by you, Razorpay-side processing issues, or bank-side failures outside FLOW's or Razorpay's control.
FLOW is not a payment gateway, escrow service, or wallet. Payout disbursement is handled by Razorpay, a regulated payment infrastructure provider — not by FLOW directly. FLOW does not pool, hold, or intermediate your funds. At no point is FLOW in custody of your receivables. The payout process deducts any applicable commission and credits the net amount to your bank account via Razorpay's settlement infrastructure.
Email samar@flowdsoo.com within 30 days of the expected payout date. Include your account email, the invoice ID, the expected payout amount, the bank account details on file, and a description of the discrepancy. Disputes raised beyond 30 days of the expected payout date may not be investigated. FLOW will respond within 48 business hours.
When you save your UPI ID (Virtual Payment Address / VPA) in your FLOW profile, FLOW automatically generates a hosted payment page and attaches a UPI payment link to your dunning communications for invoices below ₹1,00,000. Your buyer receives the link, opens it on their phone, and their UPI app launches directly — preloaded with your UPI ID, invoice number, and the outstanding amount. On desktop, the page shows a QR code they can scan with any UPI app (GPay, PhonePe, Paytm, BHIM, etc.). The money goes directly from the buyer's bank to yours — FLOW does not touch the funds at any point.
UPI deep links are capped at ₹1,00,000 per the platform's configuration, aligned with per-transaction limits commonly applied by UPI apps. For invoices above ₹1 lakh, a Razorpay Payment Link will be generated instead — provided you have connected your Razorpay account to FLOW via OAuth. If neither method is available for a particular invoice, dunning communications will be sent without a payment link attached.
No — and no platform can make that guarantee. FLOW generates correct, functional UPI links and does everything within its control to make the payment experience seamless. However, whether the buyer clicks the link, whether their UPI app processes it successfully, and whether the transaction clears through NPCI and the respective banks is entirely outside FLOW's control. We try our best — the rest depends on the buyer and the UPI infrastructure.
No. FLOW does not receive automatic payment confirmation from NPCI or your bank when a UPI transaction succeeds. UPI money moves directly to your bank account — FLOW has no visibility into that transaction. When your buyer pays via UPI, you need to confirm receipt from your own bank account or UPI app and manually mark the invoice as paid in FLOW. Once marked paid, Marshal will stop all further dunning communications for that invoice.
Yes — update your UPI ID from Profile Settings at any time. Be careful: FLOW does not validate your UPI ID against NPCI systems, so an incorrect ID will silently direct your buyers' payments to the wrong recipient. FLOW bears no liability for misdirected UPI payments resulting from an incorrect UPI ID. Always verify that the UPI ID you enter matches your active UPI-registered bank account.
If you already use Razorpay for payments, you can connect your Razorpay account to FLOW via OAuth (a secure, one-click authorisation that does not share your Razorpay password with FLOW). Once connected, two things become possible: (1) FLOW can pull your existing Razorpay invoices directly into FLOW's intake queue — no CSV export required; and (2) for invoices above ₹1,00,000 where UPI deep links are not applicable, FLOW can create Razorpay Payment Links under your Razorpay account and include them in dunning communications to your buyers.
No. OAuth is a secure authorisation standard — you log in directly on Razorpay's website, and Razorpay issues FLOW a limited-access token. FLOW stores that token (encrypted) to make API calls on your behalf. FLOW never sees your Razorpay email, password, or API secret. You can revoke FLOW's access at any time from your Razorpay dashboard — FLOW's access is immediately terminated when you do so.
No. FLOW generates the Razorpay Payment Link and includes it in dunning communications — but whether the buyer opens it, whether the transaction succeeds, and whether Razorpay settles the amount to your account depends on Razorpay's infrastructure, your Razorpay KYC tier, and the buyer's payment method. Razorpay is an independent payment aggregator regulated by RBI. FLOW has no control over Razorpay's processing decisions, settlement timelines, or transaction limits. We try our best to create the link — the rest is between you, your buyer, and Razorpay.
For all entity types: GSTIN and PAN. Proprietorships submit proprietor PAN. Private Limited companies and LLPs submit business PAN and certificate of incorporation. All entities provide bank account number and IFSC. Additional documentation may be requested at the review team's discretion.
You receive an email with the specific reason for rejection. Resubmit corrected documentation. Common issues include: PAN name not matching GSTIN registration, bank account name not matching the entity name, or documents uploaded at insufficient resolution. Contact samar@flowdsoo.com for guidance if the rejection reason is unclear.
Email samar@flowdsoo.com to initiate account closure. Upon closure, all active dunning sequences are stopped. You have 30 days to export your data in full. After 30 days, personal data is deleted — except for invoice and financial records subject to mandatory retention obligations under the GST Act and PMLA, which are retained for the legally required minimum period.
Yes. Email samar@flowdsoo.com to initiate a bank detail change. The update requires re-verification — you will be asked to submit a cancelled cheque or bank statement confirming the new account. Changes take up to 48 hours to process. No payout is disbursed to a newly submitted account until re-verification is complete. FLOW bears no liability for payouts processed to the old account during the transition if you fail to notify us promptly.
Team access is managed by the account Admin from the dashboard. Three roles are available: Admin — full access including KYC data, billing, and team management; Manager — can submit invoices, view all records, and pause or stop sequences; Viewer — read-only access to invoice status and communication logs. KYC and bank account details are visible to Admins only. Team access availability depends on your plan tier.
Upon account closure, you have 30 days to export your complete data — invoice records, communication logs, fraud scores, and account activity. After this window, personal data not subject to statutory retention is deleted. Invoice and financial records under the GST Act and PMLA are retained for the legally mandated minimum period regardless of account closure. Data export must be initiated before the 30-day window expires — FLOW is not obligated to retrieve data after deletion.
FLOW's GST Reconciliation tool helps you compare your outward supply records (as logged in FLOW) against your buyers' reported purchase data from GSTR-2A/2B. The feature flags mismatches in invoice amounts, GST rates, GSTIN details, or filing status — surfacing discrepancies that may need resolution before you file your own returns. The tool is a reference aid, not a substitute for your own accounting validation or the authoritative GSTN portal.
No. FLOW's GST Reconciliation output is provided for reference only, on an AS-IS basis. FLOW is not a GST Suvidha Provider (GSP) and does not have real-time access to GSTN data. All GST filing decisions must be independently verified against the official GSTN portal (gst.gov.in) and confirmed with your chartered accountant or tax advisor. FLOW bears no liability for any tax demand, penalty, or interest arising from reliance on FLOW's reconciliation output.
The GSTN portal is authoritative. If FLOW's reconciliation output differs from GSTN data, treat the GSTN data as correct. Report the discrepancy to samar@flowdsoo.com with details of the specific mismatch so the team can investigate whether there is a data sync issue or an input error in FLOW's records. Do not file your returns based solely on FLOW's output without cross-checking against the GSTN portal.
On Supabase infrastructure. All data is hosted within India.
Never. FLOW does not sell, licence, or otherwise commercialise your business data, your buyer's contact data, or your invoice data to any third party under any circumstances. This is an absolute policy — not a qualified or conditional statement.
As a Data Principal under India's Digital Personal Data Protection Act, 2023, you hold the right to: access the personal data FLOW holds about you; request correction of inaccurate data; request erasure of your personal data subject to statutory retention obligations; and withdraw your consent to processing. All data rights requests are processed within 30 days. Direct all data rights and privacy enquiries to privacy@flowdso.com.
All sub-processors operate under contractual data protection obligations consistent with FLOW's privacy commitments.
The DPDP Consent Notice is a document required under the Digital Personal Data Protection Act, 2023. It sets out in plain language exactly what personal data FLOW collects about you, the purpose for which it is collected, the legal basis for processing, how long it is retained, and which sub-processors handle it. The full notice is available at FLOW DPDP Consent Notice and within the Terms & Conditions page under the DPDP section.
Email privacy@flowdso.com with the subject line "Consent Withdrawal Request" and your registered account email. FLOW will process your withdrawal within 30 days. Important: withdrawal of consent does not affect data processed under a legal obligation — KYC data, invoice records, and financial data are retained under the GST Act and PMLA regardless of your consent decision. Withdrawing consent for registration data may result in account closure, as that data is required for platform operation.
Yes. This is your right under the DPDP Act 2023. Email privacy@flowdso.com with the subject "Data Access Request" and your registered account email. FLOW will compile and provide the personal data it holds about you within 30 days. The response will confirm what data is held, in what form, and the basis on which it is processed.
Buyer contact data (name, mobile, email) is deleted within 90 days of account closure. Invoice records that include buyer details are retained for the mandatory 7-year period under the GST Act — those records cannot be deleted regardless of account closure. As the Data Fiduciary for buyer data you uploaded to FLOW, you are responsible for ensuring you had lawful grounds to provide buyer personal data to FLOW for collections communications.
FLOW's Grievance Officer for data protection matters is contactable at privacy@flowdso.com. All privacy grievances, data rights requests, and DPDP Act concerns should be directed to this address. FLOW acknowledges receipt within 24 hours and provides a substantive response within 30 days. If you are not satisfied with FLOW's response, you may escalate your complaint to the Data Protection Board of India (DPBI) through MeitY.
Under the DPDP Act 2023, FLOW is obligated to notify the Data Protection Board of India (DPBI) within 72 hours of becoming aware of a data breach likely to cause harm to Data Principals. Affected users are notified as soon as practicable, with details of what data was affected, the likely impact, and the steps FLOW has taken to contain and remediate the breach. FLOW maintains security incident response procedures and carries out periodic security assessments to reduce breach risk.
India's primary data protection law, enacted August 2023 and operative under DPDP Rules 2025. The Act grants individuals — called Data Principals — rights over their personal data: access, correction, erasure, and withdrawal of consent. Organisations that determine the purpose and means of processing personal data are called Data Fiduciaries and carry obligations including presenting consent notices before data collection, retaining data only as long as necessary, and notifying breaches. FLOW is a Data Fiduciary for the personal data of its SME users.
Both, depending on the data. For personal data belonging to FLOW's SME users (name, email, PAN, GSTIN, bank details), FLOW is the Data Fiduciary. For personal data belonging to your buyers (buyer name, mobile, email) that you upload to FLOW to enable dunning communications, FLOW acts as a Data Processor — processing that data on your instructions. In that context, you are the Data Fiduciary for your buyers' personal data and carry the corresponding legal obligations toward them.
Full details with retention periods and legal bases are in the DPDP Consent Notice.
Yes, for data processed on the basis of consent (registration and contact data). Email privacy@flowdso.com with subject "Consent Withdrawal Request." Withdrawal will be processed within 30 days and must be as easy as giving consent. However, data processed under a legal obligation — KYC, invoice records, financial transactions — is retained regardless of consent withdrawal for the full statutory period (7 years under GST Act; 7 years under PMLA) and cannot be deleted.
If your grievance is not resolved to your satisfaction within 30 days of submission to privacy@flowdso.com, you have the right to file a complaint with the Data Protection Board of India (DPBI) through the MeitY portal at www.meity.gov.in. FLOW will cooperate fully with any DPBI inquiry and will notify you at least 15 days before making any material changes to its data processing practices.
Three roles: Admin — full platform access including KYC data, billing, plan changes, and team member management; Manager — can submit invoices, view all records, pause or stop active sequences, and mark invoices as paid; Viewer — read-only access to invoice status and communication logs, no ability to submit or modify. KYC data and bank account details are visible to Admins only. Team feature availability depends on your plan tier.
Admin and Manager roles can submit invoices. Viewer role cannot. All submissions — regardless of which team member submits them — go through the same fraud-scoring process and are bound by the same plan limits. The account Admin is responsible for all submissions made by team members under their account.
All team member access — Admin, Manager, and Viewer — is suspended immediately upon account suspension or closure. The account Admin retains access during the 30-day data export window to export records. After the window closes and data is deleted, all access is permanently revoked. Reactivating a suspended subscription restores all team access from the point of reactivation.
Indian law exclusively. Any dispute arising from your use of FLOW is subject to the exclusive jurisdiction of Indian courts.
The following will result in immediate account termination without refund, and may be reported to GSTN, the Enforcement Directorate, or the Cyber Crime Cell as legally required:
FLOW's total aggregate liability to you for any claim arising from use of the platform is capped at the total subscription fees paid by you in the three calendar months immediately preceding the date of the claim. FLOW bears no liability for indirect, consequential, incidental, or punitive damages of any nature.
Yes. FLOW's Terms & Conditions include a force majeure clause covering events beyond FLOW's reasonable control, including: RBI directives, NPCI/UPI infrastructure failures, WhatsApp/Meta service outages, Fast2SMS SMS infrastructure failures, Groq AI service unavailability, Supabase database outages, cyberattacks, natural disasters, and government orders. In such events, FLOW resumes operation and dispatches pending communications as soon as the underlying cause resolves — but bears no liability for delay during the force majeure period.
FLOW does not make legal representations about the admissibility of any document in any proceeding — that determination is for the relevant court. What FLOW provides is: a timestamped log of every communication dispatched, the SHA-256 hash of the original invoice document proving it was not altered since upload, and a complete audit trail of the escalation sequence. These records may support your case in independent litigation. Engage independent counsel to advise on evidentiary strategy.
No. Submitting a time-barred debt — one where the Limitation Act period has expired — is a prohibited activity under FLOW's Terms & Conditions and may result in immediate account termination. Under the Limitation Act, 1963, a suit on a written commercial contract is generally barred three years from the date the cause of action arose. FLOW's platform is not a vehicle for recovering debts for which the statutory limitation period has lapsed.
FLOW operates across India. Cross-state collections are fully supported — the platform handles IGST-applicable invoices between businesses in different states without restriction. The legal demand letter references the applicable invoice and outstanding amount regardless of the buyer's location. For any dispute that proceeds to independent litigation, all proceedings are subject to the exclusive jurisdiction of Indian courts as specified in FLOW's Terms & Conditions.
Support is handled via email. During the current early phase, responses are provided within 24 to 48 business hours.
Email samar@flowdsoo.com with the invoice ID and your account details. Include any supporting documentation that establishes the legitimacy of the invoice — purchase order, delivery confirmation, or buyer correspondence acknowledging the outstanding balance. This materially accelerates the review.
Email samar@flowdsoo.com within 7 days of the charge. Include your account email address, the date of the charge, the amount, and the basis for your dispute. The team will investigate and respond within 48 hours.
Write to samar@flowdsoo.com. During the early phase, user feedback directly shapes platform development. Every submission is read and considered.
Still have a question?
Our team responds within 24–48 business hours. No bots. No form submissions.
samar@flowdsoo.com