Cardflo vs Stripe
Stripe 是在支援的市場中啟動線上業務的預設起點。Cardflo 專為那些交易量、行業或地區需求超過一個收單機構、高風險行業、跨境流量或尋求透明的 Interchange-plus 定價的企業規模商戶而設，這些商戶需要通過相同的整合，由多個收單機構服務。
Cardflo 合適的情境
- ✓您需要為高風險行業（CBD、藥品、遊戲、外匯、成人內容、旅遊、加密貨幣）尋找一級收單機構
- ✓您的卡量證明採用 Interchange-plus 定價比混合費率更划算
- ✓您需要一個單一的整合，能夠跨多個收單機構和 APM 進行路由
- ✓您需要在非 Stripe 市場進行本地收單，或希望提高跨境交易的批准率
- ✓您需要一個託管合作夥伴來協助您上線、協商儲備金並處理爭議
Stripe 合適的情境
- •您是一個剛起步的低風險商戶，並希望自助入駐
- •Stripe 原生產品（Billing、Tax、Connect for marketplaces）是您商業模式的核心
- •您的交易量適中，混合定價具有競爭力
- •您看重開箱即用的開發者人體工學，而非路由靈活性
功能比較
| 能力 | Cardflo | Stripe |
|---|---|---|
| 定價模式 | Interchange-plus，最低由 0.4% 起 | 混合費率 1.5%–2.9% + 固定費用（視地區而定） |
| 高風險行業 | CBD、遊戲、外匯、藥品、旅遊、加密貨幣等專業收單機構 | 受限；許多高風險 MCC 不受支援 |
| 整合背後的收單機構 | 多個一級收單機構，智能路由 | Stripe 自己的收單服務（單一） |
| 智能路由 | 內置於收單機構和 MID 之間 | 不適用（單一收單機構） |
| 當地收單覆蓋範圍 | 透過合作夥伴收單機構覆蓋英國、歐盟、美國、拉丁美洲、亞太地區、中東和北非 | 在北美、英國、歐盟表現強勁；在拉丁美洲、中東和北非較弱 |
| 合約模式 | 託管、可協商、指定客戶團隊 | 自助服務 |
| 結算 | T+1 至 T+7，視行業和收單機構而定 | T+2 至 T+7，視地區而定 |
常見問題
我可以保留 Stripe 並為部分流量增加 Cardflo 嗎？
可以。許多商戶將 Cardflo 作為高風險 MCC、跨境流量或大額商業卡的次要或專業通道，同時保留 Stripe 用於低風險消費者交易量。
我使用 Cardflo 會獲得更低的費用嗎？
在達到一定交易量時，Interchange-plus 幾乎總是比混合定價更便宜，因為商戶可以享受較低成本卡片的優勢。我們樂意根據您實際的 Stripe 賬單，為您的卡片組合進行模型分析。
入駐需要多長時間？
Cardflo 的入駐通常需要 5–15 個工作日，具體取決於行業和 KYB 資訊的完整性。對於通過自動檢查的低風險商戶，Stripe 的自助服務會更快。
How does the fee model compare on a $25M subscription business?
Stripe blends interchange, scheme fees and margin into a headline rate (typically 2.9% + 30c or a negotiated equivalent). Cardflo prices interchange-plus with acquirer margin visible per corridor, so on $25M premium-rewards-heavy card volume the effective cost is usually 30 to 60 bps lower, before any approval-rate uplift from account updater, network tokens and multi-acquirer routing on renewals.
What does migration off Stripe look like?
Card-on-file portfolios move via Stripe's PCI-compliant vault-export process. Timelines are 6 to 10 weeks including scheme approvals, plus a 2 to 4 week parallel-run phase where a slice of renewals shadow-authorises on Cardflo before cutover. This staged approach avoids the approval-rate cliff that catches merchants who cut over cold.
How are disputes and risk handled versus Stripe Radar?
Cardflo's risk layer runs rules, velocity, device and BIN heuristics with a merchant review queue. Merchants who prefer Radar can keep it in front and route only cleared traffic through Cardflo. Disputes flow into one queue with issuer deadlines surfaced up front, evidence auto-populated from order and shipping data, and representment handled per acquirer behind the scenes.
What ongoing support does Cardflo provide versus Stripe's ticket model?
Every merchant gets 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. Stripe's premium support tiers exist at enterprise volume but are ticket-based below that threshold.
Where does Cardflo win on approval rate versus Stripe?
Cross-border BINs, premium rewards portfolios and commercial cards see the biggest lift. Because Cardflo routes to a local Tier 1 acquirer per corridor, cards issued in the UK, Germany or Brazil authorise domestically instead of hitting Stripe's US or Ireland acquiring first. On mixed cross-border traffic we typically measure 1 to 3 percentage points of approval-rate uplift once the routing table is tuned against your BIN mix.
What ISO / acquirer relationship do I actually have on Cardflo?
Every merchant is boarded directly onto the underlying acquiring bank under a merchant services agreement, with Cardflo as the ISO and technical partner. You have a real Merchant ID (MID) per corridor, statements from the acquirer, and named risk and pricing contacts. That is structurally different from Stripe, where the merchant of record and acquiring bank are bundled behind Stripe's own account.
How does interchange qualification work versus Stripe's blended pricing?
Interchange rates depend on card type (consumer credit, debit, commercial, premium rewards), presentation (chip, contactless, ecommerce with 3DS) and enhanced data (Level 2 / Level 3 on commercial cards). Cardflo passes each qualified rate through at cost plus a fixed acquirer margin, so a portfolio that skews to debit or Level 3-eligible commercial spend captures the saving directly. Stripe's blended rate averages across all card types, so the same debit-heavy portfolio subsidises Stripe's premium-card losses.