Your global payments partner.
Cardflo enables businesses of all sizes and risk profiles to access the right acquirers, payment methods and pricing for their industry. We search the market, manage the entire approval process, and power it all through one intelligent payment layer.
Avg. approval lift
+18.4%
vs. single-acquirer baseline, measured across our merchant book
Effective rate saved
32 bps
median monthly improvement after pricing review
Time to first transaction
< 14 days
from signed MSA to live processing
A Payments Partner, re-engineered for modern merchants.
We're a merchant services partner first. Acquiring, pricing, underwriting and support: everything a traditional Payments Partner does, plus the orchestration layer most Payments Partners can't offer.
Acquiring & Underwriting
Direct relationships with Tier 1 acquirers across the UK, EU, US, LATAM, APAC and MENA. We underwrite, board and price quickly.
Multi-Acquirer Redundancy
Never lose a transaction to a single point of failure. We connect you to multiple acquirers per region and fail over automatically.
Intelligent Routing
Every payment is scored in real time and routed to the acquirer most likely to approve it, weighing BIN, geography, currency and live success rate.
Pricing Optimisation
Interchange++, blended or hybrid. We benchmark your effective rate monthly and renegotiate on your behalf.
400+ Payment Methods
Cards, Open Banking, A2A, wallets, Buy Now Pay Later, vouchers and crypto on and off ramp. One contract, one settlement file.
Dedicated Account Management
A named team that knows your business, your acquirers and your chargeback profile. Not a ticket queue.
From first call to settlement, in weeks not quarters.
We learn your business
Volume, geographies, ticket size, risk profile, current effective rate. We benchmark what you're paying today.
We package the deal
We match you to the right acquirers, negotiate pricing, prepare the underwriting file and board you under one Cardflo MSA.
We connect you once
A single integration plugs you into every acquirer, method and module. No re-platforming when you add a new market.
We optimise forever
Monthly performance reviews, live routing tuning, dispute support and renegotiation as you scale.
12 modules, 1 integration.
Most ISOs hand you an acquirer and disappear. We give you the orchestration platform behind your merchant account, so adding a market, a method or a backup acquirer is a configuration change, not a rebuild.
Smart Routing
Real-time decisioning by BIN, geo, currency, cost and live success rate.
Fraud Defence
Rules + ML scoring with chargeback guarantee programs on eligible volume.
Token Vault
Network-tokenised PAN storage, portable across acquirers | no lock-in.
Cascading Retries
Soft declines automatically retried on the next-best acquirer in milliseconds.
3DS 2.0
Frictionless authentication with exemption logic to keep approvals high.
Payouts
Global disbursements to cards, bank accounts and wallets in 180+ currencies.
Reconciliation
Daily three-way match across PSP, acquirer and your ledger | automated.
Ledger & Reporting
Unified BI across every acquirer, method and entity. Export or stream to your warehouse.
Checkout UI
Drop-in, hosted fields, or fully headless. Localised in 40+ languages.
Subscriptions
Billing, dunning, trials, proration and recovery | built for retention.
Disputes
Evidence collation, deadline tracking and representment with a 60%+ win rate.
FX & Settlement
Multi-currency settlement with competitive interbank rates and same-day options.
The Payments Partner model, rebuilt for the way you actually trade.
Acquirer relationships
Onboarding time
Pricing transparency
Failover
Platform
Reporting
Account management
High-risk underwriting
Accept the way your customers want to pay.
Buy Now Pay Later, credit and debit cards, Apple Pay, Google Pay, Open Banking, wallets, vouchers and 400+ alternative methods. A smarter way to access acquiring partners, manage payments, and scale across markets.
Your book of business, in your pocket.
Real-time volume, approval rate and retry recovery on every device, for every team member.
Built for the teams who run the business.
Configure checkouts, send payment links, reconcile settlements and pull the reports your finance team actually needs. All from one place.
Drop in a checkout in minutes.
Embed code, brandable themes and locked currencies. Ship the same checkout across every market.
Get paid without writing code.
Generate a link or QR for any amount, share it anywhere, and track every payment in real time.
Every payout, on a calendar.
See incoming settlements by acquirer, day and currency. Match transactions to payouts automatically.
Finance-grade reporting, on tap.
Performance, approval ratio and transaction reports. Build once, schedule, export to your warehouse.
Trusted by operators who care about every basis point.
"Cardflo took our effective rate from 2.8% to 2.31% in the first quarter, and added two backup acquirers we didn't know we needed."
"We were declined by two banks before Cardflo. They wrote us in eleven days and we're now processing across three regions on one contract."
"The routing is the differentiator. Our approval rate is up 14% year over year on the same traffic mix. That's real revenue."
The merchant questions we get every week.
Are you a PSP, an acquirer, or a Payments Partner?
How is your pricing structured?
What if I already have a PSP or acquirer?
How long does underwriting take?
What happens to my tokens if I leave?
Do you support high-risk merchants?
Underwriting expertise across every vertical.
Including the ones traditional acquirers won't touch. If you've been declined, de-risked or capped, we'd like to hear from you.
Ready for velocity?
Tell us about your business. We'll match you with the right acquiring partners and the right route, typically inside a week.
Smarter payment insights for modern businesses
Deep dives on acquiring, routing, compliance and optimisation, written for operators, not analysts.
What Interchange++ Actually Costs (And Why Most Merchants Overpay)
We break down scheme fees, interchange and markup — and show you the three questions to ask your current provider.
The High-Risk Merchant's Guide to Multi-Acquirer Redundancy
If one acquirer pauses your MID, do you have a backup live in under 60 seconds? Here's how to build real resilience.
How to Cut Payment Declines by 30% Without Changing Your Checkout
Smart routing, retry logic and 3DS configuration matter more than UX tweaks. We walk through the data.