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
Indicative estimate only. Cardflo places merchants with acquirer partners and never guarantees issuer decisions.
Approval rate is worth more than pricing for most merchants. A one percentage point lift in card approval on £10m of GMV recovers £100k in gross revenue with zero customer acquisition cost. The calculator models where that lift comes from and how much of it Cardflo's stack can realistically deliver.
Where uplift actually comes from
Intelligent routing
Route each transaction to the acquirer most likely to approve it, based on BIN, MCC, amount, currency and time of day. Typical uplift is 1 to 3 percentage points on merchants with only one acquirer, higher for cross-border traffic that hits domestic acquirer preferences.
Retry logic
Not every decline is final. Soft declines (insufficient funds, do-not-honour, temporary issuer issue) can be retried, sometimes on the same acquirer, sometimes on a different one. Well-tuned retries recover 5 to 15 percent of soft declines. Subscriptions benefit most.
3DS optimisation
Dynamic 3DS exempts low-risk transactions from the challenge under PSD2, which recovers the 10 to 25 percent of transactions that would otherwise abandon at the challenge screen. Requires an acquirer that supports 3DS 2.2 and a merchant with a decent fraud posture.
Common questions
How realistic is a 5 percent uplift?
What's the difference between soft and hard declines?
Does 3DS optimisation increase fraud?
How quickly does uplift show up?
Related guides.
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.
