Cardflo vs Checkout.com
Checkout.com 是數碼優先企業商戶備受推崇的收單機構。Cardflo 可作為多個收單機構之一，透過單一整合為 Checkout.com 路由交易，讓商戶可根據每筆交易的核准率、成本和處理能力作出選擇。
Cardflo 合適的情境
- ✓您想要跨多個收單機構路由，而非單一關係
- ✓您需要 Checkout.com 未提供的專業高風險收單服務
- ✓您想要整合多個收單機構、網關和付款方式的綜合報告
Checkout.com 合適的情境
- •您承諾與單一收單機構建立關係，並重視直接整合
- •Checkout.com 在您指定市場的 APM 覆蓋範圍符合您的需求
功能比較
| 能力 | Cardflo | Checkout.com |
|---|---|---|
| 定價模式 | 交換費加價，最低 0.4% | 交換費加價，通常限於企業客戶 |
| 收單模型 | 多收單機構協調 | 單一直接收單機構 |
| 最低交易量 | 中型市場及以上 | 以企業客戶為主 |
| 智能路由 | 內建於所有收單機構和 MID 中 | 僅限於 Checkout.com 網絡內 |
| 高風險行業 | CBD、博彩、外匯、藥業、旅遊、加密貨幣等專業收單機構 | 選擇性；許多高風險 MCC 未被接受入網 |
| 報告 | 統一所有收單機構、網關和 APM 的報告 | 僅限 Checkout.com 儀表板 |
| 爭議 | 受管制的提交工作流程，每個案例設有截止日期 | 透過儀表板自助服務 |
常見問題
我可以保留 Checkout.com 並透過 Cardflo 路由部分流量嗎？
可以。Cardflo 通常作為多個收單機構之一，置於現有的 Checkout.com 關係之前，將特定的 MCC、地理位置或 BIN 範圍路由至在每筆交易中表現最佳的收單機構。
Cardflo 是否支援與 Checkout.com 相同的 APM？
Cardflo 透過合作夥伴收單機構連接主要的歐洲、英國、拉丁美洲、亞太地區和中東及北非地區的 APM。不同市場的 APM 之間存在差異，因此我們會在規劃階段確定您的結帳要求。
與直接簽訂 Checkout.com 合約相比，入網需要多長時間？
Cardflo 的入網通常需要 5–15 個工作日，具體取決於 KYB 的完成情況。與 Checkout.com 的直接企業合約通常需要更長時間，因為它們是與主服務協議一起協商的。
How does the fee model compare on cross-border enterprise volume?
Checkout.com negotiates a bespoke IC++ contract at enterprise tier. Cardflo prices IC++ from day one with acquirer margin published per corridor, so effective cost is transparent and moves with mix rather than being locked into a projected blend. On $50M+ cross-border volume the two typically land within 10 to 25 bps of each other on card cost, with Cardflo winning on APM and high-risk corridors.
What does migration off Checkout.com look like?
Token migration goes through Checkout.com's PCI-compliant export process, which typically takes 6 to 10 weeks including scheme sign-off. Cardflo parallel-runs during migration so a cohort of renewals validates on the new stack before cutover, and any Checkout.com-specific tokenised APMs are re-vaulted directly with the underlying APM provider.
How are disputes and risk handled versus Checkout.com's Fraud Detection Pro?
Cardflo's dispute workflow is acquirer-agnostic with a single queue, VROL and Mastercom automation, and evidence templates pre-populated from your order data. Fraud scoring runs in the Cardflo risk layer with rules, velocity and BIN heuristics; merchants who want Checkout.com's Fraud Detection Pro can keep it in front and route only cleared traffic through Cardflo.
What ongoing support does Cardflo provide compared to Checkout.com enterprise?
A named payments manager plus a shared Slack or Teams channel with acquiring, risk and engineering. P1 first response is 15 minutes with a 4-hour root-cause SLA. Checkout.com enterprise offers a solutions engineer but is generally ticket-based below a materially higher volume threshold.
Why route Checkout.com through Cardflo instead of contracting directly?
A direct Checkout.com contract commits you to a single acquiring rail, one risk engine and one fee schedule. Cardflo can include Checkout.com as one of several acquirers behind a routing layer, which means you keep their strengths where they win (specific APM coverage, certain corridors) while failing over to another Tier 1 acquirer on incidents, price competition or vertical-specific declines.
How is Cardflo's approach to high-risk verticals different?
Checkout.com boards selective high-risk merchants but the appetite varies by cohort. Cardflo maintains specialist acquiring relationships across CBD, iGaming, FX and CFDs, adult, pharma, travel and crypto — each with its own MID, chargeback tolerance and reserve profile — so a high-risk merchant does not sit on a single acquirer's discretionary limit.
Do I keep my existing Checkout.com integration when migrating?
Merchants who prefer to keep the existing Checkout.com API surface can, in most cases, migrate to Cardflo without re-integrating: Cardflo's SDK abstracts the acquirer behind a single API and vault, and card-on-file portfolios move via scheme-approved token migration. Timelines are 6 to 10 weeks including sign-off, with a parallel-run phase before cutover.