Blog
Payments insights, orchestration deep dives and merchant guides.
From MCC code explainers to high risk acquiring strategy, what we're learning, shipping and seeing across the Cardflo network.
September 4, 2025
Steps to Create Your Payment Gateway
A payment gateway is a technology that enables businesses to accept online transactions securely.
June 5, 2025
Merchant Acquirer vs Payment Gateway: What's the Difference?
In the world of electronic payments, two key players stand out: the merchant acquirer and the payment gateway.
April 3, 2025
How to Open a Merchant Account: A Guide
If you want to accept electronic payments, then you are going to need a merchant account - but how do you open one?
April 3, 2025
What are Merchant Accounts? How Do They Work?
A merchant account is a specialised business account that allows companies to accept electronic payments, primarily through credit and debit cards.
March 24, 2025
How to Accept Online Payments for Your Business
Accepting online payments is essential for businesses of all sizes, whether that be an eCommerce store, digital services, products sold through social media, or something else entirely.
March 21, 2025
The Ultimate Guide to Online Payment Integration
Integrating a payment gateway is important for any business wishing to conduct online transactions securely and efficiently.
February 17, 2025
Navigating CBD Payments: How Cardflo Simplifies Transactions for High-Risk Merchants
The CBD industry is booming, but businesses operating in this space often face significant payment processing challenges.
February 17, 2025
Merchant Acquirer Vs. Payment Processor: Know the Difference!
If you are business seeking efficient and secure payment solutions then electronic payments are a must. But navigating the roles of merchant acquirers and payment processors can be confusing.
February 17, 2025
How to Accept Card Payments as a Small Business
Accepting card payments is a must for small businesses in today’s cashless economy. Not only does it provide convenience to customers, but it can also boost sales by making transactions smoother and more accessible.
February 17, 2025
Advantages and Disadvantages of Subscription Model for Businesses
The subscription business model has taken centre stage in industries ranging from streaming services to SaaS (Software as a Service) platforms.
January 13, 2025
What is a High-Risk Industry?
A high-risk industry refers to a business sector or enterprise with greater financial, operational, or legal risk than more mainstream industries.
December 2, 2024
Subscription vs Recurring Payments: Key Differences and How They Work
Many businesses offer their customers subscription or recurring payment models as an option for products or services that they regularly purchase.
November 13, 2024
What is a Payment Gateway and How Does it Work?
A payment gateway is a key financial technology that acts as a bridge between a merchant’s online store and the payment service provider processing the customer’s payment.
November 13, 2024
How Do Real Time Payments Work?
The demand for swift and efficient transactions is driving the evolution of payment systems as we know it. Real time payments are a significant leap forward, enabling funds to be transferred instantly and continuously - 24/7, 365.
November 12, 2024
How to Add Recurring Payments on Your Website: A Step-by-Step Guide
Accepting recurring payments on your site can offer an array of benefits, from enhancing customer convenience to generating a steady cash flow for your business.
November 12, 2024
What is Recurring Payment? A Guide to Automated Billing
A recurring payment is an automated billing system where a customer authorises a business or service provider to charge their credit card, debit card, or bank account regularly for products or services.
October 29, 2024
Payment Service Provider Vs Payments Processor
For the ‘every day’ business owner, navigating the payments ecosystem can be a minefield – especially when distinguishing between a payment service provider and a payment processor.
October 29, 2024
What is an Acquirer in Payments?
There were 2.05 billion debit and credit card transactions in the UK in April 2024. So, what part does a merchant acquirer play in payments?
October 29, 2024
Payment Orchestration vs Payment Gateway
Customers' frustration with the payments process in today’s digital economy is palpable, with 87% of consumers expressing dissatisfaction.
October 29, 2024
What is a High Risk Merchant Account: A Clear Guide
In today’s digital age, merchant accounts are essential in facilitating seamless transactions for businesses across all sectors. But what exactly defines a merchant account and why are some considered to be high risk?
October 29, 2024
What is a Low Risk Merchant Account
In today’s cashless economy, businesses rely heavily on merchant accounts to process customer payments efficiently.
September 5, 2024
How to Open a High-Risk Merchant Account
For businesses operating within high risk industries, a high risk merchant account and all of the benefits they provide is essential to accept credit and debit card payments, ensuring safe, secure and efficient business operations.
September 3, 2024
What is payment practices reporting?
From April 2017 the Department for Business, Energy and Industrial Strategy (BEIS) introduced legalisation for large companies and Limited Liability Partnerships (LLP) to enforce reporting on payment practices.
May 17, 2024
The Evolution of Card Payment Processing: Streamlining Transactions for Businesses Everywhere
In the digital age, card payment processing has become the heartbeat of commerce, revolutionizing how businesses and consumers engage in transactions.