The solutions

From high-risk merchants to enterprise brands.

We don't refuse on category. We assess the business and match it to the route that delivers the best approvals and the lowest cost, wherever you operate.

Sector · 01

E-commerce

Optimise approvals across cards, wallets and BNPL. Reduce cart abandonment with local methods.

Sector · 02

SaaS & subscriptions

Tokenised retries, dunning logic and recurring billing across every acquirer in your stack.

Sector · 03

Travel

Multi-currency acceptance, deferred capture and chargeback tools tuned for travel risk profiles.

Sector · 04

Digital services

Fast onboarding, instant payouts and global card coverage for digital-first products.

Sector · 05

Nutra & wellness

We know the model, recurring nutra, supplements and wellness brands placed correctly.

Sector · 06

Forex & trading

Specialist routing for FX brokers and trading platforms with regulated acquiring partners.

Sector · 07

iGaming

Licensed acquiring for gaming operators with mature risk tooling and payout rails.

Sector · 08

Crypto

On-ramp, off-ramp and exchange-grade card processing for compliant crypto businesses.

Sector · 09

CBD

Compliant CBD acquiring with banks that understand the category, no surprise terminations.

Sector · 10

Adult

Discreet, MCC-correct routing for adult merchants who've been declined elsewhere.

Sector · 11

Dating

Subscription dating with cascading retries and recurring optimisation built in.

Sector · 12

Enterprise

Multi-entity, multi-region acceptance unified under one platform and one reporting view.

+ MANY MORE VERTICALS

High-Risk, Low-Risk, Enterprise. Explore All Industries

Cardflo is used across enterprise retail, marketplaces, subscription businesses, travel, gaming, high-risk verticals and regulated payments. The stack is the same in every case: a merchant account we introduce to the right acquirer, a checkout that meets your compliance profile, and orchestration that keeps approval rates high and costs down.

Where Cardflo fits

High-volume merchants

£10m+ annual GMV where basis-point savings compound into six-figure annual gains. Multi-acquirer routing, dynamic 3DS, intelligent retries and negotiated interchange++ pricing. Typical uplift is 30 to 60 basis points on effective rate.

High-risk verticals

CBD, nutraceuticals, adult, gambling, forex, crypto exchanges, travel, subscription, firearms and more. Cardflo's acquirer network covers the codes mainstream PSPs decline, with pricing that reflects real risk, not blanket surcharges.

Regulated and cross-border

FCA-regulated firms, MSBs, EMIs and PIs operating across UK, EU and MENA. Multi-currency settlement, network tokens for cross-border card savings, and reconciliation that handles FX and multi-entity flows out of the box.

Common questions

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 add Cardflo alongside their current provider first, prove the savings and approval uplift on a slice of traffic, then decide whether to migrate wholesale. Migration takes two to six weeks depending on complexity.

Can I use my own checkout?

Yes. Cardflo works as a headless API for merchants running Shopify, Salesforce Commerce Cloud, custom React checkouts and mobile SDKs. The hosted checkout is optional and typically only used by merchants who want to move fast without engineering time.

What's the onboarding timeline?

Two business days to a signed merchant account offer, five to ten business days to go live on cards. Wallets, bank rails and BNPL add zero engineering time once the base integration is done: they're feature flags in the dashboard.

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.

Apply with Cardflo Explore the platform