Cardflo PartnersBecome a Cardflo
Become a Cardflo
partner
Earn up to 50% revenue share by referring merchants into the most complete acquiring network in the industry. Backed by a very experienced team, a dedicated onboarding agent and a real-time introducer dashboard.
- Smart payment routing across 50+ acquirers
- Alternative payment methods and 400+ APMs
- Chargeback and dispute management
- 3DS optimisation and decline recovery
- High-risk and subscription specialists
- Global settlement and reporting
Programme benefits
Everything you need to grow your book
A partnership built for introducers, ISOs, agencies and platforms who want serious commercials, real support and the tools to prove their value to merchants.
Up to 50% revenue share
Industry-leading commercials paid on every transaction your merchants process, for the lifetime of the account.
50+ acquiring partners
Direct access to our whole-of-market acquiring network so you can place merchants with the right processor first time.
A very experienced team
Work alongside payments veterans who have onboarded thousands of merchants across high-risk, subscription and global verticals.
Introducer dashboard
Real-time stats and figures on every merchant you refer: volume, approval rates, chargebacks, settlements and commissions.
API onboarding
Submit and manage applications programmatically when you need to. Perfect for platforms and high-volume introducers.
Dedicated onboarding agent
A named account manager to help your merchants through KYC, integration and go-live, so you can focus on referrals.
FAQ
Frequently asked questions
Common questions from ISOs, ISVs and referral partners about revenue share, onboarding timelines, white-label and accepted verticals.
What partner models does Cardflo offer?
Three main models: ISO/agent partners who refer merchants and share ongoing revenue, technology and ISV partners who embed Cardflo into their platform for their end-merchants, and white-label partners who resell the Cardflo stack under their own brand.
How does revenue share work?
ISO and referral partners earn a share of the processing margin for the lifetime of each merchant. Rates depend on volume and vertical, and we publish clear tiers. Payouts are monthly with a transparent statement showing each merchant's contribution.
Do I need a payments licence to partner?
No. Cardflo's regulated acquiring partners hold the licences. You bring the merchant relationship, and we handle KYB, underwriting, PCI and ongoing compliance. This is what makes the ISO and referral routes accessible to consultants, agencies and SaaS platforms.
What does white-label include?
Your brand across the merchant portal, hosted checkout, statements and emails. You keep the customer relationship end to end, and Cardflo powers acquiring, routing, reporting and support in the background. Custom domain, logo and colour palette are configurable in a day.
How fast can I onboard my first merchant?
New partners typically sign our commercial agreement within a week and submit their first merchant application in the second week. We provide dedicated partner support, a sandbox and a merchant-ready pitch deck to accelerate the first deal.
Which industries do you accept through the partner channel?
Any vertical we accept direct, including high-risk. Retail, e-commerce, SaaS, marketplaces, subscriptions, travel, forex, gaming, nutraceuticals, CBD and adult. If your merchant is currently declined elsewhere, our high-risk acquiring network usually finds a home for them.
Ready to partner with Cardflo?
Complete the application above and we will be in touch within one business day to discuss commercials and get you set up on the introducer dashboard.
Apply now