MaoFlow
Business payments and team spend control for companies that pay constantly.
MaoFlow is the business payments product within MaoBank — built for companies that make frequent supplier payments, manage team spending, and need real-time control over operational money movement.
Business banking has traditionally been an afterthought — clunky portals, slow approvals, batch processing. MaoFlow is designed for companies where paying is the primary business operation.
From supplier invoices to team expenses to cross-border vendor payments — MaoFlow gives operators complete control and visibility over every financial action in the business.
Key features
Supplier payments
Pay vendors and suppliers instantly with full tracking and reconciliation.
Approval workflows
Set up custom approval rules based on amount, category, or team member.
Team cards
Issue virtual and physical cards to team members with individual spend controls.
Multi-user roles
Admin, approver, spender — granular role-based access for the entire team.
Spend controls
Set per-card, per-person, and per-category limits that enforce in real time.
Payment tracking
Real-time visibility into all business payments with exportable records.
Who it's for
Founders & operators
Startup and SMB leaders who need financial control without operational overhead.
Finance teams
CFOs and finance managers who need approval workflows and spend visibility.
Remote teams
Distributed teams that need centralized spend control across geographies.
High-volume businesses
Companies making hundreds of payments per month across vendors and employees.
Why it matters
For companies that pay constantly — suppliers, contractors, subscriptions, employees — business banking should be built around the act of paying, not around holding balances.