FLO Pay vs Pay Stream Pro

FLO makes it easy to accept card payments without the need for physical card terminals. Simply download the app on your iPhone, connect with your agent to set up your account, and start accepting payments in no time. Our user-friendly app allows you to focus on growing your business without the hassle of complex payment systems..

PayStreamPro is financial software for small businesses, independent contractors, and field-service crews — landscapers, home services, restaurants, retail, trades, and anyone running a small operation. Bank-level financial tools, real payroll, and an optional time-clock add-on, all in one app on your phone. FINANCIAL & BANKING (CORE) Run your business finances from your iPhone. Connect your business bank accounts and credit cards. Automatic transaction categorization with smart rules. Built-in bank reconciliation — match, clear, and unmatch transactions in seconds. Real-time cash-flow and balance view across all accounts. Spot duplicate, missing, or miscategorized transactions before they hit your books. Export-ready records for your accountant or tax filing. PAYROLL (INCLUDED WITH SUBSCRIPTION) Run payroll in minutes, not hours. Direct deposit and pay-card support. Automatic federal, state, and local tax calculation. W-2 employee and 1099 contractor support. Year-end forms generated for you. Approve hours, pay your team, done. Integrated with your bank and books. no double-entry. TIME CLOCK ADD-ON (REQUIRES SEPARATE SUBSCRIPTION) Optional iPhone time-clock for businesses with hourly workers. Available as a separate subscription on top of the core PayStreamPro plan. OFFLINE-FIRST — Punches save to the device the instant you tap. No signal? No problem. Punches stay queued and sync automatically when you're back online. GPS + GEOFENCE — Each punch is stamped with location and flagged "inside" or "outside" your job-site geofence. LIVE SESSION TIMER — See exactly how long you've been on the clock. MANAGER APPROVAL — Hours flow straight into your payroll run after a one-tap review. RECENT ENTRIES Review your last shifts with status (active, approved, locked). The Time Clock add-on can be enabled or canceled at any time from your subscription settings. Core financial and payroll features continue to work without it. FOR YOUR TEAM Employees see their pay stubs, hours, and time-off balance. If your business has the Time Clock add-on, employees clock in and out from the same app — no second download. Push notifications for paydays, approvals, and pending action items. SECURITY & PRIVACY Bank-level encryption in transit and at rest. Face ID / Touch ID protection. Location is captured only when the user taps Clock In or Clock Out — never in the background. Your data is yours. We never sell it. SUBSCRIPTIONS PayStreamPro requires an active subscription for payroll runs and team features. The Time Clock add-on is sold as a separate, optional subscription. Subscriptions auto-renew unless canceled at least 24 hours before the end of the current period. Manage or cancel anytime in Settings → Apple ID → Subscriptions. Terms of Use: paystreampro.net/terms Privacy Policy: paystreampro.net/privacy SUPPORT Tap Support inside the app or visit paystreampro.net. We answer.