Payment uplift calculator

Estimate the revenue you're leaving on the table.

See a defensible range for your approval-rate uplift and recovered revenue when you move onto our acquirer partner network.

Your setup

Monthly card volume (£)Card volume processed each month.

Average order value (£)Typical value of one card order.

Current approval rate (%)Use 85% if you are not sure.

IndustryChoose the closest trading category.

Acquirers todayHow many acquirers approve payments today.

Cascading and retriesDo you already cascade and retry payments?

Indicative estimate only. Cardflo places merchants with acquirer partners and never guarantees issuer decisions.

Recovered revenue

£126,000 – £300,000/ year

Approval rate lifts by 2.10 to 5.00 percentage points, from 85.00% to a range of 87.10% to 90.00%.

Uplift by lever

Multi-acquirer routing

+1.20pp – +2.80pp

Smart retries

+0.60pp – +1.40pp

3DS exemption handling

+0.30pp – +0.80pp

Assumptions: current approval 85.00%, ceiling capped at 98.00% for your vertical, monthly volume £500,000.

Directional estimate based on typical outcomes across our acquirer partner network. Cardflo is not an acquirer; actual results depend on the approving bank.

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

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