Cardflo vs Checkout.com
Checkout.com er en velanset indløser for digital-first virksomhedskunder. Cardflo kan route til Checkout.com som en af flere indløsere bag en enkelt integration, hvilket giver virksomheder valgfrihed for godkendelsesrate, omkostninger og kapacitet per transaktion.
Når Cardflo er det rigtige valg
- ✓Du ønsker routing på tværs af flere indløsere i stedet for et enkelt forhold
- ✓Du har brug for specialist-indløsning med høj risiko, som Checkout.com ikke tilbyder
- ✓Du ønsker konsolideret rapportering på tværs af indløsere, gateways og APM'er
Når Checkout.com er det rigtige valg
- •Du er engageret i et enkelt indløserforhold og værdsætter direkte integration
- •Checkout.coms specifikke APM-dækning på dine markeder matcher dine behov
Funktionssammenligning
| Kapacitet | Cardflo | Checkout.com |
|---|---|---|
| Prismodell | Interchange-plus fra 0,4 % | Interchange-plus, typisk kun for virksomheder |
| Indløsermodel | Orkestrering med flere indløsere | Enkelt direkte indløser |
| Minimumvolumen | Mellemmarked og opefter | Virksomhedsfokus |
| Smart routing | Indbygget på tværs af indløsere og MIDs | Kun inden for Checkout.coms netværk |
| Højrisikovertikaler | Specialistindløsere på tværs af CBD, spil, valuta, farma, rejser, krypto | Selektivt; mange højrisiko-MCC'er godkendes ikke |
| Rapportering | Samlet på tværs af indløsere, gateways og APM'er | Kun Checkout.coms dashboard |
| Tvistigheder | Administreret præsentationsworkflow med deadlines per sag | Selvbetjening via dashboard |
FAQ
Kan jeg beholde Checkout.com og route noget trafik gennem Cardflo?
Ja. Cardflo sidder ofte foran et eksisterende Checkout.com-forhold som en af flere indløsere, der router specifikke MCC'er, geografier eller BIN-intervaller til den indløser, der klarer sig bedst per transaktion.
Understøtter Cardflo de samme APM'er som Checkout.com?
Cardflo forbinder til de større europæiske, britiske, LATAM-, APAC- og MENA-APM'er via partnerindløsere. APM-for-APM-paritet varierer efter marked, så vi kortlægger dine checkout-krav under scoping.
Hvor lang tid tager boarding i forhold til en direkte Checkout.com-kontrakt?
Cardflo-boarding tager typisk 5-15 arbejdsdage afhængigt af fuldstændigheden af KYB. Direkte virksomhedskontrakter med Checkout.com tager normalt længere tid, fordi de forhandles sammen med en master services-aftale.
How does the fee model compare on cross-border enterprise volume?
Checkout.com negotiates a bespoke IC++ contract at enterprise tier. Cardflo prices IC++ from day one with acquirer margin published per corridor, so effective cost is transparent and moves with mix rather than being locked into a projected blend. On $50M+ cross-border volume the two typically land within 10 to 25 bps of each other on card cost, with Cardflo winning on APM and high-risk corridors.
What does migration off Checkout.com look like?
Token migration goes through Checkout.com's PCI-compliant export process, which typically takes 6 to 10 weeks including scheme sign-off. Cardflo parallel-runs during migration so a cohort of renewals validates on the new stack before cutover, and any Checkout.com-specific tokenised APMs are re-vaulted directly with the underlying APM provider.
How are disputes and risk handled versus Checkout.com's Fraud Detection Pro?
Cardflo's dispute workflow is acquirer-agnostic with a single queue, VROL and Mastercom automation, and evidence templates pre-populated from your order data. Fraud scoring runs in the Cardflo risk layer with rules, velocity and BIN heuristics; merchants who want Checkout.com's Fraud Detection Pro can keep it in front and route only cleared traffic through Cardflo.
What ongoing support does Cardflo provide compared to Checkout.com enterprise?
A named payments manager plus a shared Slack or Teams channel with acquiring, risk and engineering. P1 first response is 15 minutes with a 4-hour root-cause SLA. Checkout.com enterprise offers a solutions engineer but is generally ticket-based below a materially higher volume threshold.
Why route Checkout.com through Cardflo instead of contracting directly?
A direct Checkout.com contract commits you to a single acquiring rail, one risk engine and one fee schedule. Cardflo can include Checkout.com as one of several acquirers behind a routing layer, which means you keep their strengths where they win (specific APM coverage, certain corridors) while failing over to another Tier 1 acquirer on incidents, price competition or vertical-specific declines.
How is Cardflo's approach to high-risk verticals different?
Checkout.com boards selective high-risk merchants but the appetite varies by cohort. Cardflo maintains specialist acquiring relationships across CBD, iGaming, FX and CFDs, adult, pharma, travel and crypto — each with its own MID, chargeback tolerance and reserve profile — so a high-risk merchant does not sit on a single acquirer's discretionary limit.
Do I keep my existing Checkout.com integration when migrating?
Merchants who prefer to keep the existing Checkout.com API surface can, in most cases, migrate to Cardflo without re-integrating: Cardflo's SDK abstracts the acquirer behind a single API and vault, and card-on-file portfolios move via scheme-approved token migration. Timelines are 6 to 10 weeks including sign-off, with a parallel-run phase before cutover.
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