Flote Gains US Payment Rail Access via Gr4vy Ahead of 2026 Launch

Strategic Partnership to Scale US Payments

Ovanti Limited (ASX, OVT) has taken a significant step in its US expansion with a strategic partnership between its consumer payments brand Flote and Gr4vy, a leading cloud-native payment orchestration platform. This collaboration aims to embed flexible, affordability-first payment options directly into merchant checkout experiences across the United States.

Flote will leverage Gr4vy’s orchestration framework to gain structured access to US payment rails and established merchant ecosystems. This integration promises to simplify the technical complexity merchants often face when adopting new payment methods, enabling rapid scaling of Flote’s offerings.

A Responsible, Debit-First Approach

Central to this partnership is Flote’s commitment to responsible payments. Their debit-first deferred payment option allows consumers to spread purchases over time without fees, interest, or credit checks; an increasingly attractive alternative in the buy now, pay later (BNPL) space. This approach aligns with growing consumer demand for transparent and manageable financial products.

Open banking technology underpins Flote’s model, unlocking access for over 150 million US adults who seek flexible and transparent ways to manage their finances. By integrating with Gr4vy’s cloud-native platform, Flote strengthens its infrastructure readiness ahead of its planned commercial launch in the first quarter of 2026.

Joint Market Activation and Future Outlook

The partnership extends beyond technology integration to include a coordinated go-to-market program. Both companies will share enablement resources, joint positioning, and aligned activation paths to accelerate merchant adoption. Pilot programs are expected to commence in early 2026, setting the stage for a broader commercial rollout.

Gr4vy’s CEO John Lunn highlighted the synergy, emphasizing how their orchestration infrastructure enables merchants to offer modern payment experiences without added complexity. For Ovanti, this partnership represents a critical milestone in establishing a foothold in the competitive US fintech landscape, particularly in the BNPL sector.

While financial details and explicit commercial timelines remain under wraps, the collaboration signals Ovanti’s strategic intent to capitalize on evolving consumer payment preferences and merchant demand for embedded payment solutions.