Cardflo
WOOCOMMERCE MERCHANTS
cardflo.io
Cardflo · Smarter Payments Built Around You
01 / 12

Own your storefront.
Take control of payment routes.

Cardflo is your payments partner for WooCommerce orchestration, merchant account matching and eligible fallback routes.

TransactionROUTING
Matched payment routes
Primary partner
Matched
Backup partner
Ready
Cascade route
On decline
One connection50+ partners
The payment problem
Cardflo
WOOCOMMERCE MERCHANTS
cardflo.io
Cardflo · Smarter Payments Built Around You
02 / 12

An open-source checkout needs more than a single gateway.

1Plugin updates break checkout

Changed checkout hooks can leave paid orders pending or prevent payment requests from reaching a gateway.

2Gateway timeouts stall orders

Busy launches strain PHP workers, leaving shoppers unsure whether their payment completed.

3Cards reach the wrong route

Unsupported currencies or card origins can trigger declines on an otherwise valid basket.

4Unpatched plugins block access

Acquirer partners may reject stores with abandoned extensions or weak administrator access controls.

5Renewal consent is missing

Unclear renewal terms and incorrect recurring indicators undermine subscription payment acceptance.

6Store activity is unclear

WooCommerce is not an MCC. Mixed retail, software and subscriptions need accurate classification.

Why it matters
Cardflo
WOOCOMMERCE MERCHANTS
cardflo.io
Cardflo · Smarter Payments Built Around You
03 / 12

Keep WordPress flexible. Make payment decisions deliberate.

Cardflo connects WooCommerce checkout to eligible acquirer partners, aligning routes with your products, card mix, currencies and billing model rather than treating every store alike.

Merchant account matching

Find acquirer partners that support your actual trade, not just your store platform.

BIN-led routing

Direct supported card profiles by issuer origin, currency and partner eligibility.

Tokenised checkout

Keep raw card details out of WordPress and confirm remaining PCI responsibilities.

Controlled cascading

Retry eligible failures without bypassing issuer instructions or duplicating charges.

Order state consistency

Use verified, idempotent webhooks to align WooCommerce orders with payment events.

Broader payment choice

Explore 400+ payment methods, subject to market, integration and partner support.

How it works
Cardflo
WOOCOMMERCE MERCHANTS
cardflo.io
Cardflo · Smarter Payments Built Around You
04 / 12

Turn checkout context into a supported payment route.

WooCommerce basketCurrency and billingCard profileBIN and issuer originStore activityProducts and agreed MCCCARDFLOEligibility · Orchestration · ControlCardflo payment orchestrationPrimary card routeEligible partner MIDFallback card routePermitted retries onlySupported methodLocal checkout optionPartner eligibility comes first. Tokenisation reduces card-data exposure but does not remove all merchant PCI obligations.
Platform overview
Cardflo
WOOCOMMERCE MERCHANTS
cardflo.io
Cardflo · Smarter Payments Built Around You
05 / 12

A payment layer that works with your WooCommerce operations.

One platform
8
relevant controls
Plugin connectivity
Connect checkout to orchestration.
Tokenisation
Use tokens, not stored raw card details.
BIN rules
Route by supported card profiles.
Currency routing
Select currency-compatible partners.
Cascading
Retry only eligible payment failures.
3DS2
Support required authentication.
Webhook handling
Synchronise payment and order states.
Reconciliation
Unify partner settlement records.
A payment, recovered
Cardflo
WOOCOMMERCE MERCHANTS
cardflo.io
Cardflo · Smarter Payments Built Around You
06 / 12

Recover eligible failures, not every declined payment.

Check before retrying
A timeout can hide a completed authorisation. Resolve its status before another attempt.
Authenticate when required
If the issuer requests 3DS, complete authentication rather than switching routes to avoid it.
Respect retry restrictions
Stop on hard declines or policy blocks. Cascade only where partner and scheme rules permit.
Transaction journey
01Shopper checks out on your WooCommerce store
02Select an eligible acquirer partner by BIN and currency
03Temporary processing failure interrupts the attempt
04Cardflo checks whether another route can help
05Check payment state, then retry only where permitted
Routing with context
Cardflo
WOOCOMMERCE MERCHANTS
cardflo.io
Cardflo · Smarter Payments Built Around You
07 / 12

BIN origin and basket currency: route with context.

Payment signalRouting responseCommercial reason
BIN origin and basket currencyChoose a supported partner MIDAvoid unsupported card or currency paths
Issuer requests authenticationComplete the required 3DS flowMeet issuer authentication requirements
Gateway timeout, status unknownResolve status before any retryPrevent duplicate authorisations
Eligible temporary processing failureCascade to an approved fallbackRecover within permitted retry rules
Underwriting readiness
Cardflo
WOOCOMMERCE MERCHANTS
cardflo.io
Cardflo · Smarter Payments Built Around You
08 / 12

Show partners how your store is secured, classified and fulfilled.

Plugin inventory with versions and update status

PCI attestation and tokenised payment data-flow diagram

Hosting, patching and incident-response responsibilities

Checkout consent, cancellation, delivery and refund terms

Statements by MID and currency, or forecasts for new stores

Typical merchant category codes
5965Direct Marketing, Combination Catalogue & Retail Merchant
5968Direct Marketing, Continuity / Subscription Merchant
5817Digital Goods, Applications (Excluding Games)
5969Direct Marketing, Other Direct Marketers (NEC)
Prepared around your model, markets and controls.
Onboarding flow
Cardflo
WOOCOMMERCE MERCHANTS
cardflo.io
Cardflo · Smarter Payments Built Around You
09 / 12

Review the store, match partners, then validate checkout behaviour.

01
Map
Business model and markets
02
Evidence
Review plugins, trade and PCI
03
Match
Match MCC, markets and billing
04
Integrate
Checkout, API or plugin
05
Validate
Test rules and descriptors
06
Optimise
Monitor routes and disputes
Whole of market
Cardflo
WOOCOMMERCE MERCHANTS
cardflo.io
Cardflo · Smarter Payments Built Around You
10 / 12

Match the business behind the WooCommerce installation.

Cardflo helps match merchants across 50+ acquiring partners. Product mix, fulfilment, subscription controls and security evidence inform fit. The acquirer partner confirms MCC and acceptance.

Your business
Merchant profile
Retail modelMCC 5965 where channel mix fits
Subscription modelMCC 5968 where applicable
Software deliveryMCC 5817 for qualifying digital goods
Security evidencePlugin inventory, PCI and patching
Compatible retail partner
Fit where products, currencies and fulfilment are supported
Matched
Recurring billing partner
Fit where renewal consent and billing controls are accepted
Matched
Incompatible digital route
Excluded where software sales or delivery are unsupported
No match
Commercial value
Cardflo
WOOCOMMERCE MERCHANTS
cardflo.io
Cardflo · Smarter Payments Built Around You
11 / 12

Give engineering, operations and finance a shared payment picture.

Acquirer partners
50+
Plus 400+ payment methods through one connection.
Safer release checks
Test checkout hooks, refunds and callbacks in staging before updating production.
Less gateway dependence
Prepare eligible alternative routes without changing the underlying trade classification.
Cleaner fulfilment triggers
Act on verified payment states rather than browser returns or duplicate callbacks.
Clearer subscription records
Keep renewal consent, token references and recurring indicators aligned.
Simpler settlement tracking
Bring partner records together to investigate order, refund and settlement differences.
Better dispute evidence
Connect physical delivery proof or software licence records to the original order.
Cardflo
WOOCOMMERCE MERCHANTS
cardflo.io
Cardflo · Smarter Payments Built Around You
12 / 12

Build payment resilience into your WooCommerce checkout.

Share your plugin stack, product mix, markets and processing history. Cardflo will help identify suitable acquirer partners and shape routing around your WooCommerce checkout.

Submit your application →cardflo.io
Store-specific merchant account matchingBIN and currency-aware payment routingControlled retries and verified order states