美國 的支付方案
Cardflo 透過一級贊助銀行和收單夥伴在美國營運，全面覆蓋 Visa、Mastercard、Amex 及 Discover 服務。
貨幣
USD
本地支付方式
Apple Pay, Google Pay, PayPal, Venmo, ACH, Affirm, Afterpay
收單
美國贊助銀行和處理方從第一美元起即支援多重交換費率加價定價。預設啟用網絡代幣（VTS、MDES、Amex Token），以提高儲存憑證的核准率。
法規
美國電子商務沒有聯邦 SCA 規定，但對於高風險交易，發卡機構的風險模型仍受益於 3DS。PCI DSS、州隱私法（CCPA/CPRA）以及 ACH 的 Reg E 適用。
Market context
The US processes roughly $10 trillion in card payments annually, with Visa and Mastercard combined commanding around 80% of card volume, Amex roughly 13% and Discover the remainder. Ecommerce is about 16% of total retail and growing at double-digit rates. Buy-Now-Pay-Later (Affirm, Afterpay, Klarna) now represents over $90 billion in annual GMV, with the heaviest concentration in apparel, beauty and home goods.
Scheme mix
Debit volume is split roughly 60% Visa, 30% Mastercard and 10% on PIN-only domestic networks (Star, Pulse, NYCE, Maestro, Interlink). Durbin-eligible debit (issuers over $10B in assets) is capped at 0.05% plus $0.22, and Cardflo's routing engine selects the cheapest enabled debit network per transaction. Credit interchange ranges from roughly 1.4% for regulated debit to 3.5% for premium rewards cards.
Interchange & fees
US interchange is not regulator-capped (other than Durbin debit). Effective blended rates vary heavily by MCC, AOV and card mix: a typical DTC merchant sees 2.1 to 2.5%, a B2B merchant on commercial cards can see 2.6 to 3.0%, and a subscription merchant skews higher due to recurring premium-rewards usage. Level 2 and Level 3 data on commercial cards can recover 30 to 80 bps for eligible MCCs.
Common challenges
Subscription false-decline rates can reach 12 to 15% on the first renewal without account updater, network tokens and intelligent retry. Issuer behaviour varies sharply, JPMorgan Chase and Capital One use machine-learning risk models that respond to consistent merchant signalling; smaller credit-union issuers are more rule-based. Chargeback ratios are monitored by Visa VAMP at 0.9% of transactions and Mastercard ECP at 1.5%.
Recommended setup
- Tier 1 sponsor bank with interchange-plus pricing from the first dollar
- Visa Account Updater and Mastercard ABU on all card-on-file portfolios
- Network tokens (VTS, MDES, Amex Token) enabled by default
- Debit routing for Durbin-regulated cards across enabled networks
- ACH and Apple Pay / Google Pay as standard alternatives at checkout
美國 的熱門垂直行業
FAQ
你們可以為美國的 CBD 和大麻商戶提供服務嗎？
可以。Cardflo 與符合法規的 CBD 及大麻企業合作，贊助銀行透過一級收單為其提供服務。
Do you offer interchange-plus pricing in the US?
Yes. US merchants are priced interchange-plus from the first dollar, with monthly statements that reconcile interchange, scheme fees and acquirer margin separately.
Can I accept ACH alongside cards?
Yes. ACH (including Same Day ACH where eligible) is supported alongside card acceptance, with returns and Reg E handling built into the platform.
Do you support Level 2 and Level 3 data submission?
Yes. For eligible commercial-card MCCs, Cardflo can pass enhanced Level 2 and Level 3 data (tax, customer code, line items, freight) to qualify transactions for lower interchange. The recovery is typically 30 to 80 bps on commercial-card volume.
How does debit routing work under Durbin?
Regulated debit cards must offer at least two unaffiliated network routes per the Federal Reserve's Reg II update. Cardflo evaluates available networks per transaction and selects the cheapest enabled rail, which can save 5 to 15 bps versus signature-debit default routing.