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Apply with Cardflo.
Share a few details about your business and discover the acquiring, pricing and payment routes available through Cardflo. The initial application process takes less than two minutes.
Your businessStep 1 of 6
Step 1
Website and business information
Tell us about the business you would like to accept payments for.
Company details
What happens next
One application. The right payments partner.
Tell us about your business once. We'll identify the most suitable acquiring partners, manage the application process and return with a tailored proposal.
Why choose Cardflo
- One application gives you access to multiple acquiring partners.
- Rates start from 0.2% for low-risk merchants, with competitive pricing available for high-risk and regulated businesses.
- We place businesses that many providers cannot support, including complex and specialist verticals.
- There is no obligation, no setup fee and no hard sell.
Fast, clear decisions
- Low and mainstream-risk businesses can receive a tailored quote within the same working day.
- High-risk and regulated applications are typically assessed within 24 to 48 hours while we identify the right acquiring route.
- We manage the process directly, so you are not left chasing multiple providers.
Tell us about your business
- Share your monthly card volume, average order value and product or service category.
- Let us know where you sell, which currencies you need and whether you already have an acquiring relationship.
- Include any important details such as subscriptions, marketplace payments, chargeback levels or 3DS requirements.
Common questions before you apply
Do I need documents to apply?
Not to get an indicative quote. For final onboarding we ask for standard KYB documents: certificate of incorporation, proof of address, ID for beneficial owners, three months of processing statements or a business plan with forecasting if you are a startup, and a brief description of your business model.
Is my information confidential?
Yes. Application data is encrypted in transit and at rest, only shared with the acquiring partners best matched to your profile, and never sold. Access is restricted to the team members handling your application.
What if I have been declined elsewhere?
Tell us. Our high-risk acquiring network specialises in verticals where mainstream PSPs decline, including nutraceuticals, forex, gaming, adult and CBD. We often find a home for merchants that Stripe, Adyen or a bank has offboarded.
Do you accept high-risk merchants?
Yes. We work with regulated acquiring partners who cover high-risk, regulated and restricted categories. We match your business model to the right partner and help present it correctly to improve approval chances.
Do you accept enterprise merchants?
Yes. Enterprise merchants benefit from dedicated routing, multi-acquirer setups, custom pricing and account management. We handle complex multi-entity, multi-region requirements and work alongside your existing payments team.
Do you accept startup businesses?
Yes, absolutely. We regularly help pre-revenue and early-stage businesses that have a clear model and a plan for customer acquisition. Startups are matched with acquirers comfortable with younger trading histories, and we support your application with forecasts and a business plan if you do not yet have processing statements.