Cardflo
Pricing & routing

Best rates in the market, routed intelligently.

Subject to volume and risk profile. No hidden markups, no lock-in.

Pricing from
0.4%
Per transaction
Growth
For ambitious merchants scaling card acceptance.
0.6%
+ interchange
  • Hosted checkout
  • Smart routing
  • Standard support
  • Cards + key APMs
Talk to sales
Scale
For high-volume brands and complex sectors.
0.4%
+ interchange
  • Everything in Growth
  • Cost-based routing
  • Tokenised retries
  • Dedicated success
  • Custom acquirer panel
Apply now
Enterprise
Multi-entity, multi-region acceptance under one roof.
Custom
Tailored commercials
  • Bespoke routing rules
  • Multi-MID architecture
  • Reporting integrations
  • Solution architect
  • 24/7 priority support
Contact us
Why our pricing works

Whole-of-market access, priced honestly.

01
Whole-of-market access
Every major UK & EU acquirer, 400+ payment methods and Open Banking, no single-partner lock-in.
02
Matched to your business
Underwriting and commercial fit done for you, with acquirers that actually want your volume and risk profile.
03
Cost-based routing
Each transaction scored on price and approval likelihood in real time, sent to the lowest-cost route that converts.
04
Smart retries & cascading
Soft declines are retried on the next best acquirer automatically, recovering revenue you'd otherwise lose.
05
One integration, every rail
A single API, plugin or hosted checkout unlocks the whole network. Add new acquirers without dev work.
06
Transparent, no lock-in
Clear pricing, no hidden markups, no multi-year tie-ins. We re-tender as the market moves.
Get started

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.