Cardflo
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.

Low risk
Established merchants in stable, low-chargeback sectors.
From
0.2%
+ interchange
Get a quote
Medium risk
Growing brands in sectors with moderate exposure.
From
0.6%
+ interchange
Get a quote
High risk
Specialist sectors that need careful underwriting 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
Underwriting 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.
Get started

Ready for velocity?

Tell us about your business. We'll match you with the right acquiring partners and the right route, typically inside a week.