Pricing & routing
Best rates in the market, routed intelligently.
From-pricing based on your risk portfolio and volumes. No set feature tiers, no hidden markups, no lock-in.
Pricing from
0.2%
Per transaction, low-risk merchants
From-pricing by risk profile
Priced to your risk and volume.
We don't sell feature bundles. Every merchant gets the full platform, pricing is set against your risk portfolio and processing volumes.
High risk
Specialist sectors that need careful acquirer placement and routing.
From
1%
+ interchange
Get a quote*Depending on volumes and risk profile.
Final rates depend on your risk portfolio, processing volumes and acquirer mix.
Why our pricing works
Whole-of-market access, priced honestly.
01
Whole-of-market access
Every major UK & EU acquirer, 400+ payment methods and Open Banking, no single-partner lock-in.
02
Matched to your business
Application preparation and commercial fit done for you, with acquirers that actually want your volume and risk profile.
03
Cost-based routing
Each transaction scored on price and approval likelihood in real time, sent to the lowest-cost route that converts.
04
Smart retries & cascading
Soft declines are retried on the next best acquirer automatically, recovering revenue you'd otherwise lose.
05
One integration, every rail
A single API, plugin or hosted checkout unlocks the whole network. Add new acquirers without dev work.
06
Transparent, no lock-in
Clear pricing, no hidden markups, no multi-year tie-ins. We re-tender as the market moves.
FAQ
Frequently asked questions
Straight answers on rates, setup, timelines and settlement. If your question is not here, our sales team responds the same working day.
What size merchant is Cardflo built for?
Every size. We work with merchants processing a few thousand a month right through to £500m+ in annual GMV, and we never turn away smaller merchants. Smaller businesses often see the biggest percentage saving because they usually sit on blended or tiered pricing, so moving them to interchange++ and the right acquirer makes an immediate difference. Enterprise merchants above £50m get dedicated pricing negotiation and a solutions engineer.
Do you replace my existing payment stack?
Not usually. Most merchants connect Cardflo as a payments partner alongside their current provider, route a slice of traffic through our network of acquirer partners to prove the savings and uplift, then decide whether to migrate volume wholesale. Migration takes two to six weeks depending on complexity.
What does 'from 0.2%' actually include?
The 0.2% band is our lowest published rate for low-risk, high-volume merchants on interchange++ pricing. It covers acquirer processing, the Cardflo platform fee and smart routing across our acquiring partners. Card scheme and interchange costs are billed at cost on top, itemised on every statement.
Are there setup, monthly or hidden fees?
No setup fees for standard onboarding. We do not charge monthly platform minimums or demand a minimum monthly processing volume. Optional add-ons like network tokenisation, 3DS optimisation and dedicated support have clear line items on your quote, never buried in the rate.
How does risk-based pricing work?
Cardflo places you with the right acquiring partner from our network of 50+ acquirers based on your MCC, geography and processing profile. Low-risk retail sits near 0.2%, mainstream e-commerce and subscriptions typically land 0.6% to 0.9%, and high-risk verticals price from 1% depending on chargeback exposure.
Can I keep my existing acquirer?
Yes. Cardflo can sit on top of your current acquirer as an orchestration layer, or add secondary acquirers alongside for redundancy and approval uplift. Many merchants start this way and migrate primary volume once they see the routing data.
How quickly can I get a bespoke quote?
Same day for standard verticals. High-risk and regulated categories usually take 24 to 48 hours because we route your profile to the right acquiring partner for underwriting. Submit the volume, average order value and MCC on our contact form to get started.
Which currencies and settlement options do you offer?
135+ transaction currencies with settlement in 30+ currencies including GBP, EUR, USD, CAD, AUD and most CEE currencies. Settlement is typically T+2 for card, next-day for local rails, and we support multi-currency accounts to reduce FX drag on cross-border volume.
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.