Payments by region

Cards and wallets are non-negotiable. After that, iDEAL for Dutch traffic, Bancontact for Belgian, SEPA Instant for high-ticket B2B, and Klarna for retail baskets over £50 typically pay for themselves inside a month.

Yes. Cards, wallets, bank rails and BNPL all reconcile into one Cardflo statement, split by MID and method. You get one CSV per day, one webhook stream and one export to your accounting system.

Card and wallet disputes flow through the acquirer's chargeback process, surfaced in the Cardflo dashboard. Bank-rail refunds and BNPL cancellations settle on the original rail. All events unify into one dispute inbox.

Bank rails typically require the customer to authenticate via their bank (Open Banking or SEPA mandate). Cards and wallets do not. BNPL providers run their own credit check on the customer, not on your business.

Enough to cover the dominant local habit in each market, and no more. Every extra method adds reconciliation, refund handling and support overhead, and beyond the top three or four in a given country the incremental conversion is small. The practical test is share of local e-commerce spend: if a method holds a double-digit share where you sell, it earns its place. Anything below that is usually better added later, once the volume proves the case.

They change the shape of the risk rather than adding to it. Bank-initiated rails authenticate the payer at their own bank, so fraud-based disputes are rare, but they are also harder to refund instantly and can be slower to confirm on some corridors. Cards carry richer dispute rights for the customer, which is a real cost in high-refund verticals but also a conversion advantage on higher-value purchases. Running both, and routing by ticket size and market, generally beats committing to either one.