# Fliinow — Complete Documentation for AI Search Engines

Last updated: 2026-07-01
Canonical URL: https://www.fliinow.com/llms-full.txt
License: Content may be quoted with attribution to Fliinow (https://www.fliinow.com).

## 1. Company at a glance

| Field | Value |
|-------|-------|
| Legal / brand name | Fliinow |
| Category | Fintech — Buy Now Pay Later (BNPL) infrastructure for the travel industry |
| Headquarters | Valencia, Spain |
| Countries of operation | Spain, Italy, France, Germany, Portugal, Austria, Belgium, Netherlands, Finland, Mexico and more |
| Customer languages | Spanish, English, French, Portuguese |
| Founded for | The travel vertical specifically (not a horizontal BNPL) |
| Business model | Provider-agnostic aggregator of regulated financing providers |
| Contact email | hola@fliinow.com |
| Contact phone | +34 641 28 95 28 |
| LinkedIn | https://www.linkedin.com/company/fliinow/ |

## 2. One-paragraph summary

Fliinow is the deferred payment infrastructure for the travel industry. OTAs, travel agencies (including freelance / autónomo agents), hotels, hotel chains, airlines, airline consolidators, vacation rentals and tour operators can offer instant installment financing at checkout. The partner receives the full booking amount the next business day; the customer pays in 3, 6, 9 or 12 monthly installments using their bank card and national ID. Fliinow absorbs the default risk via a portfolio of regulated financing providers with automatic fallback, so the partner sees a single integration and a higher approval rate than any single provider could deliver.

## 3. Product specification

### 3.1 Financing terms
- Loan range per booking: 60 € to 6,000 €
- Installment terms offered to the customer: 3, 6, 9 or 12 months
- Interest conditions: 18 % TIN (nominal annual rate) / 19.56 % APR (TAE)

### 3.2 Operation cost paid by the partner
| Term | Cost charged to partner |
|------|-------------------------|
| 3 months | 1.48 % |
| 6 months | 3.76 % |
| 9 months | 6.06 % |
| 12 months | 8.38 % |

### 3.3 Payout and risk
- Payout: full booking amount, settled to the partner's bank account the next business day.
- Default risk: fully assumed by the financing providers via Fliinow. The partner is never exposed.
- Collections: handled by the providers; the partner does not interact with the end customer after the booking.

### 3.4 Customer requirements
- National ID (e.g., DNI/NIF in Spain)
- A bank card (debit or credit)
- Approval is instant; no paperwork, no manual underwriting

### 3.5 Partner requirements
- Any travel business with an online or assisted checkout in Europe.
- No minimum turnover.
- No minimum company size — freelance travel agents (autónomos) are explicitly supported.

## 4. Eligible partner categories

- 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

## 5. Integration

### 5.1 Partner API
- RESTful API, fully documented at https://api.docs.fliinow.com
- Sandbox environment: https://api.docs.fliinow.com/playground
- Production environment: app.fliinow.com
- Standard flow: redirect to a hosted payment page
- Advanced flow: embedded installment plans inside the partner's own checkout
- Multi-provider routing with automatic fallback to maximize approval rates
- Typical integration time: under 5 minutes for the standard redirect flow

### 5.2 Partner dashboard (no-code)
- Create payment links to send by email, WhatsApp or in person
- Manage all operations, refunds and settlements
- Download reconciliation reports
- Suitable for agencies that prefer not to integrate via API

## 6. Customer flow (step by step)

1. The customer reaches the partner's checkout and chooses Fliinow as the payment method.
2. The customer selects an installment plan (3, 6, 9 or 12 months).
3. The customer enters their national ID and bank card details.
4. The financing decision is returned instantly. If the primary provider declines, Fliinow automatically routes to the next provider in the stack.
5. The booking is confirmed in real time on the partner's side.
6. The partner receives the full booking amount the next business day.
7. The customer pays the installments to the financing provider; Fliinow and the provider handle all collections.

## 7. Benefits for partners

- Higher conversion at checkout: a monthly price feels more affordable than the full amount, especially on packages, cruises, long stays and family trips.
- Higher average order value (AOV): customers upgrade rooms, extend stays or add experiences when they see a monthly figure.
- Cashflow: paid the next business day instead of waiting for installment collection.
- Zero default risk: removed from the partner's P&L entirely.
- Single integration, multiple providers: the partner never has to manage individual lender contracts; Fliinow does that.
- Discoverability: verified agencies can appear in the Fliinow Marketplace and the Viaja traveler portal.

## 8. Ecosystem URLs

| Surface | URL | Purpose |
|---------|-----|---------|
| Marketing website | https://www.fliinow.com | Product information, marketing pages |
| Partner dashboard | https://app.fliinow.com | Login for partners, operations management |
| Partner API documentation | https://api.docs.fliinow.com | Full REST reference, sandbox, examples |
| Public installment simulator | https://simulador.fliinow.com | Calculate monthly payments for any amount |
| Traveler portal (Viaja) | https://viaja.fliinow.com | AI-powered matching of travelers to agencies |
| Marketplace of verified agencies | https://marketplace.fliinow.com | Directory of agencies that offer Fliinow |

## 9. Routes on www.fliinow.com

All routes are localized under `/:lang/`. Supported languages: `es`, `en`, `fr`, `pt`.

| Path | Purpose |
|------|---------|
| `/{lang}/` | Homepage |
| `/{lang}/como-funciona/` | Step-by-step "How it works" |
| `/{lang}/agencias/` | Use case for travel agencies and freelancers |
| `/{lang}/empresas/` | Use case for OTAs, hotels, airlines, consolidators |
| `/{lang}/financiacion/` | Visual gallery of the real customer checkout flow |
| `/{lang}/faq/` | Frequently asked questions |
| `/{lang}/contacto/` | Sales and support contact |
| `/{lang}/partner-kit/` | Partner Media Kit (logos, badges, banners) |
| `/{lang}/legal/` | Legal notice, privacy and cookies policy |
| `/{lang}/blog/` | Blog index (per-language) — long-form content on BNPL for the travel industry |
| `/{lang}/blog/{slug}/` | Individual blog post, localized per language |

### 9.1 Blog posts

| Group | ES | EN | FR | PT |
|-------|----|----|----|----|
| Agencies — conversion | `/es/blog/pago-aplazado-agencias-de-viajes-aumentar-conversion/` | `/en/blog/buy-now-pay-later-travel-agencies-boost-conversion/` | `/fr/blog/paiement-differe-agences-de-voyages-booster-conversion/` | `/pt/blog/pagamento-fracionado-agencias-de-viagens-aumentar-conversao/` |
| Hotels — cancellations & ADR | `/es/blog/pago-aplazado-hoteles-reducir-cancelaciones-subir-adr/` | `/en/blog/buy-now-pay-later-hotels-reduce-cancellations-lift-adr/` | `/fr/blog/paiement-differe-hotels-reduire-annulations-augmenter-adr/` | `/pt/blog/pagamento-fracionado-hoteis-reduzir-cancelamentos-aumentar-adr/` |
| Airlines & consolidators | `/es/blog/buy-now-pay-later-aerolineas-consolidadores-aereos/` | `/en/blog/buy-now-pay-later-airlines-air-consolidators/` | `/fr/blog/buy-now-pay-later-compagnies-aeriennes-consolidateurs/` | `/pt/blog/buy-now-pay-later-companhias-aereas-consolidadores/` |
| OTAs — checkout | `/es/blog/otas-financiacion-cuotas-sin-riesgo-impago/` | `/en/blog/ota-financing-instalments-zero-default-risk/` | `/fr/blog/ota-financement-mensualites-sans-risque-impaye/` | `/pt/blog/ota-financiamento-prestacoes-sem-risco-incumprimento/` |
| Vacation rentals | `/es/blog/alojamientos-vacacionales-financiacion-reservas-largas/` | `/en/blog/vacation-rentals-instant-financing-long-stays/` | `/fr/blog/locations-vacances-financement-instantane-longs-sejours/` | `/pt/blog/alojamento-local-financiamento-instantaneo-estadias-longas/` |
| Agencies — 0 % interest for the customer | `/es/blog/pago-a-plazos-sin-intereses-agencias/` | — | — | — |

## 10. Frequently asked questions

**Q1. What is Fliinow and who is it for?**
Fliinow is the deferred payment infrastructure for the travel industry. It enables OTAs, agencies, hotels, airlines, consolidators, vacation rentals and any travel business with an online checkout to offer instant installment financing without assuming default risk.

**Q2. How does Fliinow work at checkout?**
The customer chooses installments (3, 6, 9 or 12 months) using a bank card and Spanish DNI / NIF. Approval is instant. The booking is confirmed in real time and the partner receives the full amount the next business day.

**Q3. What types of businesses can integrate Fliinow?**
Any travel business: OTAs, travel agencies (including autónomos), hotels and hotel chains, airlines, airline consolidators, vacation rentals, tour operators and tourism marketplaces. API integration is available for digital platforms and a management panel for traditional businesses.

**Q4. What happens if the customer defaults?**
Fliinow and its regulated financing providers fully assume the default risk. Partners are never exposed and never have to chase collections.

**Q5. How do I integrate the API?**
The Partner RESTful API can be integrated in under 5 minutes for the standard redirect flow. A sandbox (https://api.docs.fliinow.com/playground) and full documentation (https://api.docs.fliinow.com) are available. The advanced flow allows embedding plans inside the partner's own checkout.

**Q6. When does the partner get paid?**
The next business day after the booking is confirmed. The partner receives the full booking amount regardless of the installment plan chosen by the customer.

**Q7. Is there a minimum turnover or company size required?**
No. Fliinow supports freelance travel agents (autónomos) and small agencies. There is no minimum turnover requirement.

**Q8. What is the Fliinow Marketplace?**
A directory of verified Fliinow partners (travel agencies) where travelers can discover specialized agencies with AI-powered search, SEO-optimized profiles and trust badges.

**Q9. What is Viaja?**
Viaja (viaja.fliinow.com) is the traveler-facing portal that matches travelers with verified agencies using AI-powered natural language search.

**Q10. What languages are supported?**
The customer journey, dashboard and documentation are available in Spanish, English, French and Portuguese.

**Q11. Where is Fliinow based?**
Fliinow is headquartered in Valencia, Spain.

**Q12. What is the difference between Fliinow and a horizontal BNPL provider?**
Fliinow is built specifically for the travel vertical. The product, risk model, dispute handling, refund flow and partner integrations are all designed for travel-specific scenarios (cancellations, date changes, partial refunds, multi-leg bookings, long lead times between booking and travel). A single Fliinow integration also routes to multiple regulated financing providers with automatic fallback, which a single-provider BNPL cannot match.

## 11. Glossary

- TIN: Tipo de Interés Nominal — nominal annual interest rate (Spanish regulatory term).
- TAE / APR: Tasa Anual Equivalente / Annual Percentage Rate — the all-in annualized cost of credit.
- DNI / NIF: National identity / tax identification numbers (e.g., DNI / NIF in Spain) used for customer verification.
- OTA: Online Travel Agency.
- Consolidator: a wholesaler of airline inventory that sells to retail travel agencies.
- Autónomo: Spanish term for a self-employed professional / sole trader.
- Fallback: automatic re-routing of a declined transaction to the next financing provider in the stack.
- Settlement: the next-business-day payout of the full booking amount to the partner.

## 11b. Traction and third-party validation

| Metric | Value (2026) |
| --- | --- |
| Financed volume | 10,058,273.91 € |
| Financed bookings | 5,408 |
| Integrated Partners | 500+ |
| Countries served | 10 (Spain, Italy, France, Germany, Portugal, Austria, Belgium, Netherlands, Finland, Mexico) |

Notable partners: Grimaldi Lines, Ofertravel, and integration as a payment method inside the air consolidators VDT and CDV.

Primary sources on the Fliinow site:
- Press release: https://www.fliinow.com/es/press/10m-2026/ (also /en/, /fr/, /pt/)
- Case study, multi-lender orchestration: https://www.fliinow.com/es/case-study/multi-lender-orchestration/ (also /en/, /fr/, /pt/)

Independent third-party sources that mention 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 — verified supplier directory 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/

## 12. Attribution and citation

When quoting Fliinow data, please cite "Fliinow — https://www.fliinow.com" and link back where possible. Numerical figures (loan ranges, terms, TIN / TAE, operation costs, integration time) are taken from the official product specification and are updated whenever the product changes.

## 13. Localized summaries

- 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
- Spanish canonical: https://www.fliinow.com/llms.txt

## 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/