The platform
The payments partner built for scale.
Cardflo is an independent payments partner. We match your business to the right regulated acquiring partners, then use one platform to route transactions, optimise approvals and keep your payment stack stable as you scale.
Payments services
Everything you need, through one payments partner.
Accept, manage and optimise payments through one connected platform. We manage the approval process with the right acquirers on your behalf, while providing the tools to add, adjust or replace payment services as your needs change, without rebuilding your payment infrastructure.
Included
Smart routing
Route every transaction to the acquirer most likely to approve it, based on cost, BIN, currency, country and MCC.
Included
Multi-acquirer processing
Connect to multiple acquiring partners through a single API and failover automatically when a MID underperforms.
Included
Hosted checkout
A conversion-focused checkout that supports cards, wallets and local payment methods with minimal integration work.
Included
Token vault
Store and reuse card credentials securely across acquirers without widening your PCI DSS scope.
Included
Subscriptions
Recurring billing, dunning and retry logic designed to keep renewal revenue on the rails.
Included
Decline recovery
Turn soft declines into approvals with intelligent retries, account updater and backup MID routing.
Included
Risk controls
Fraud rules, chargeback alerts and monitoring tools that protect your merchant accounts and approval rates.
Included
Reporting
One dashboard and one export for every MID, acquirer, currency and payment method you process.
Included
Onboarding
Collect KYB, documents and application data once, then submit to the best-fit acquiring partners in parallel.
Included
Developer APIs
Versioned REST APIs, webhooks and sandbox environments that mirror live decline and dispute behaviour.
Why merchants choose a partner
Six reasons businesses lose payments.
The cost is not just the decline. It is the engineering time, the missed revenue, the manual reconciliation and the risk of a terminated MID.
01
Fragmented providers
Multiple PSPs, separate dashboards and reconciliation tools with no single source of truth across the stack.
02
Low approvals
Routing logic optimised for the acquirer rather than the merchant, quietly leaving good revenue on the table.
03
Slow onboarding
Weeks of forms, KYC documents and back and forth before a single live transaction is processed.
04
Risk restrictions
Entire verticals are refused, capped or repriced before the underlying business model is understood.
05
Technical complexity
Integrations, vaults, tokens and compliance pile up into a heavy ongoing engineering burden.
06
Hidden costs
Scheme fees, surcharges and FX margins quietly buried inside monthly statements and settlement reports.
Why we're different
Independent, partner-led and built around your business.
We are an independent payments partner, not a single acquirer. We assess your business model, risk profile and geography, then match you to the acquiring partners and routes that deliver the best rates and highest approval ratios.
01
50+ regulated acquiring partners
One Cardflo relationship connects you to a global network of licensed acquiring partners across the UK, EU, US, LATAM, APAC and MENA.
02
High-risk placement expertise
Years of experience matching hard-to-place merchants with acquiring partners that understand their vertical and risk model.
03
One dashboard across every MID
Unified reporting, reconciliation and monitoring across all your acquirers, currencies and payment methods.
04
Hands-on support
A real team that answers directly, coordinates with acquiring partners and keeps onboarding moving.
05
Cost-and-approval routing
Every transaction is scored in real time and steered to the route that balances acceptance cost and approval probability.
06
Transparent pricing
Clear rates with no hidden margins, no surprise fees and no long-term lock-in.
Who we partner with
Built for merchants that need a partner, not just a gateway.
Whether you are hard to place, high volume, multi-region or building a platform, we adapt the partner mix and technology to your model.
High-risk merchants
Specialist placement, risk-aware routing and backup MIDs for verticals that banks often refuse.
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Subscription businesses
Recurring billing, dunning and account updater tools to reduce involuntary churn.
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Enterprise & multi-region
Multi-entity acceptance, local acquiring and unified reporting across every market you operate in.
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Platforms & ISOs
White-label onboarding, API-managed applications and revenue-share programmes for introducers.
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Partner-led onboarding
Six steps from application to live with the right acquirers.
KYB and underwriting are completed by the acquiring partner. Cardflo coordinates the submission and keeps the process moving as your partner.
01
Apply
Quick intake form
02
Review
Compliance check
03
Match
Best-fit acquirers
04
Integrate
API, plugin or checkout
05
Go live
Production routing
06
Optimise
Tune routes and retries
Explore the platform
See the services in detail.
Deep dives into the payment services merchants use most.
Compare
Cardflo vs going direct to one acquirer.
Most merchants start by talking to a single PSP or acquirer. Here's how a Cardflo partnership compares.
Coverage
CardfloMultiple acquiring partners matched to your vertical and risk profile.
Going directOne acquirer, one risk appetite and one geographic focus.
Pricing
CardfloCompetitive rates negotiated across the partner network.
Going directSingle provider's standard rates and scheme fees.
Uptime
CardfloAutomatic failover between MIDs when one route dips.
Going directSingle point of failure with no built-in failover.
Integration
CardfloOne REST API and hosted checkout for all partners.
Going directRebuild the integration to add or switch a provider.
FAQ
Frequently asked questions
What merchants ask before switching to Cardflo. Covering our role vs. an acquirer, integration timelines, routing, compliance and vertical coverage.
Is Cardflo a payment processor or an acquirer?
Neither. Cardflo is an independent payments partner and orchestration platform. Licensed acquiring, KYB, underwriting and settlement are handled by the regulated acquiring partners in our network. Cardflo coordinates the relationship, the technology and the routing so you get one integration.
How many acquirers do you connect to?
50+ regulated acquiring partners across the UK, EU, US, LATAM, APAC and MENA. That means one integration for global card processing, alternative payment methods, network tokens and local rails, without you having to negotiate or integrate each acquirer separately.
How does smart routing improve approval rates?
Every authorisation is scored against real-time acquirer performance, BIN affinity, currency, 3DS outcome and issuer response history. Cardflo routes to the acquirer most likely to approve, then cascades failed authorisations to a second acquirer within milliseconds. Merchants typically see 3 to 8 percentage points of approval uplift.
How long does integration take?
Hosted checkout and payment links go live in a day. Direct API integrations for enterprise e-commerce typically take one to two sprints. Migrating from Stripe, Adyen, Checkout.com or Braintree is straightforward because Cardflo mirrors familiar patterns and we provide a migration engineer.
Do you support subscriptions, marketplaces and high-risk?
Yes to all three. We support recurring billing with retry logic, marketplace split payments with segregated payout ledgers, and high-risk verticals including nutraceuticals, forex, gaming, adult and CBD where our acquiring partners underwrite the vertical.
Is my data PCI compliant and secure?
Cardflo is PCI DSS Level 1 certified. Card data is tokenised at capture, network tokens are used wherever the scheme supports them, and card data is encrypted in transit and at rest. You never touch raw PAN unless you choose direct API with your own PCI scope.
Apply with Cardflo
Ready to improve your payments setup?
Tell us about your business. We'll match you with the right acquiring partners and the right route, typically inside a week.