Cardflo vs Adyen
Adyen and Cardflo target overlapping enterprise and mid-market segments. The difference is structural: Adyen settles every transaction itself, while Cardflo routes across multiple acquirers, including Adyen-class ones, so merchants get redundancy and price competition rather than single-rail dependency.
When Cardflo is the right fit
- ✓You want acquirer redundancy and the ability to fail over between Tier 1 acquirers
- ✓You're mid-market and find Adyen's enterprise sales motion heavy for your stage
- ✓You want a specialist for high-risk verticals Adyen does not board
- ✓You value transparent interchange-plus pricing with negotiated processor margin
When Adyen is the right fit
- •You are a global enterprise (>$1B GMV) and want a single integrated acquirer
- •Adyen's unified commerce (in-store + online + capital) matches your model
- •You prefer to consolidate processing on one balance-sheet partner
Feature comparison
| Capability | Cardflo | Adyen |
|---|---|---|
| Pricing model | Interchange-plus from 0.4% | Interchange++ plus processing markup |
| Acquirer model | Multi-acquirer orchestration | Single integrated acquirer |
| High-risk verticals | Yes, specialist acquirers | Selective; many high-risk verticals not boarded |
| Mid-market fit | Optimised for $5M–$500M GMV | Optimised for >$100M GMV |
| Integration | Single API across acquirers and APMs | Single Adyen API |
FAQ
Is Cardflo as global as Adyen?
Cardflo's acquirer partners cover UK, EU, US, LATAM, APAC and MENA. Coverage is comparable in those regions; Adyen has deeper coverage in specific markets like Brazil and Japan with proprietary licences.
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