Cardflo
cardflo.io
Cardflo · Smarter Payments Built Around You
01 / 12
ISO & Payment Technology

Global payment acceptance for
every business.

Cardflo connects merchants to the right acquirers, the right routes, and the right tools, from high-risk through to enterprise.

TransactionROUTING
Improved Approval Ratios
Acquirer A
98.2%
Acquirer B
94.1%
Acquirer C
89.6%
Best route chosen+8.6% uplift
Cardflo
cardflo.io
Cardflo · Smarter Payments Built Around You
02 / 12
The payment problem

Too many merchants are blocked, rejected or limited by poor acquiring options.

1Declined

MCC categorised as high-risk, application closed before review.

2Capped

Volumes throttled, payout cycles stretched, growth stalls.

3Stuck

Single acquirer, no fallback, lost revenue on every decline.

4High Cost

Inflated MDR, surcharges and scheme fees no one explains.

5No Local Payments

Wallets and local rails missing, so checkouts feel foreign to buyers.

6Reconciliation

Multiple reports, formats and logins. Finance teams suffer.

Cardflo
cardflo.io
Cardflo · Smarter Payments Built Around You
03 / 12
Why it happens

Six reasons businesses lose payments.

The cost isn't only declines. It's everything that surrounds them too.

Fragmented providers
Multiple PSPs, separate dashboards and reconciliation tools with no single source of truth across the stack.
Low approvals
Routing logic optimised for the acquirer rather than the merchant, quietly leaving good revenue on the table.
Slow onboarding
Weeks of forms, KYC documents and back and forth before a single live transaction is ever processed.
Risk restrictions
Entire verticals are refused, capped or repriced before the underlying business model is properly understood.
Technical complexity
Integrations, vaults, tokens and compliance pile up into a heavy ongoing engineering and product burden.
Hidden costs
Scheme fees, surcharges and FX margins quietly buried inside monthly statements and settlement reports.
Cardflo
cardflo.io
Cardflo · Smarter Payments Built Around You
04 / 12
What Cardflo does

One integration, intelligently routed to multiple acquirers for the best approval rate.

Hosted CheckoutDrop-in, PCI-scopedAPI & PluginsREST, webhooks, CMSPayment LinksSend and get paidCARDFLOSmart routing · Cascading retriesPer BIN · per region · per MCCTier 1 AcquirersBest-fit card acceptance400+ Payment MethodsWallets · local methodsOpen BankingBank-to-bank paymentsEvery transaction is dynamically routed to the acquirer most likely to approve it.
Cardflo
cardflo.io
Cardflo · Smarter Payments Built Around You
05 / 12
Platform overview

Everything you need to accept, route and grow.

One platform
12
core modules
Orchestration
One integration, many providers.
Smart routing
Per BIN, per region, per MCC.
Hosted checkout
PCI-scoped, customisable.
Payment links
Send and accept, no code.
APIs & plugins
REST, webhooks, CMS.
Recurring
Subscriptions and tokenised retries.
Reporting
Cross-acquirer view in one place.
Vault
Network tokens, portable cards.
Point of Sale
In-person card acceptance.
MOTO Payments
Mail and telephone orders.
QR Codes
Scan-to-pay, anywhere.
Alt. Payment Methods
400+ wallets and local rails.
Cardflo
cardflo.io
Cardflo · Smarter Payments Built Around You
06 / 12
Performance

Better payment
performance, by design.

Smarter routing
Pick the right acquirer per transaction.
Retry logic
Tokenised retries on soft declines.
More payment methods
Cards, APMs and wallets in one flow.
Better visibility
Live decline reasons, one dashboard.
Approval trend
BeforeWith Cardflo
Routes
Multi
Retries
Tokenised
Decline visibility
Live
Cardflo
cardflo.io
Cardflo · Smarter Payments Built Around You
07 / 12
Built for complex sectors

From high-risk merchants to enterprise brands.

We don't refuse on category. We underwrite the business and match it to the right route. A few examples are shown below.

Sector · 01
E-commerce
Sector · 02
SaaS
Sector · 03
Travel
Sector · 04
Subscriptions
Sector · 05
Digital services
Sector · 06
Nutra & wellness
Sector · 07
Forex & trading
Sector · 08
iGaming
Sector · 09
Crypto
Sector · 10
CBD
Sector · 11
Adult
Sector · 12
Dating
+ Many more verticals
High Risk, Low Risk, Enterprise. Talk To Us Today.
Cardflo
cardflo.io
Cardflo · Smarter Payments Built Around You
08 / 12
Why Cardflo is different

A payments
partner, not a
provider.

Cardflo combines an ISO's commercial reach with a payment technology platform.

01
Global acquirer network
Regulated Tier 1 acquirers worldwide, with a strong UK and EU focus.
02
High-risk expertise
Years of experience underwriting and placing hard-to-place merchants successfully.
03
Broad partner network
Acquirers, banks and alternative payment methods unified into a single stack.
04
Hands-on support
A real team that answers you directly, never a slow ticket queue or chatbot.
05
Smart routing engine
Cost and approval-based logic that is tuned and optimised per transaction.
06
Transparent pricing
Clear rates with no hidden margins, no surprise fees and absolutely no lock-in.
Cardflo
cardflo.io
Cardflo · Smarter Payments Built Around You
09 / 12
Onboarding flow

Six steps from application to live optimised routing.

01
Apply
Quick intake form
02
Review
Underwriting check
03
Match
Best-fit acquirers
04
Integrate
API, plugin or checkout
05
Go live
Production routing
06
Optimise
Tune routes & retries
Cardflo
cardflo.io
Cardflo · Smarter Payments Built Around You
10 / 12
Whole of market

The whole market, matched to you.

We're not tied to any one acquirer. We assess your business model, risk profile and geography, then match you to the acquirers that deliver the best rates and the highest approval ratios for your traffic.

Your business
Merchant profile
VerticalSubscription SaaS
GeographyUK & EU, Expanding to US
Volume£4.2M monthly
Risk profileRecurring, low chargeback
Acquirer 1
Best blended rate
Matched
Acquirer 2
Strong UK approvals
Matched
Acquirer 3
Cross-border coverage
Matched
Acquirer 4
Not aligned to model
No Match
Acquirer 5
Wrong risk appetite
No Match
Acquirer 6
Limited card scope
No Match
01
Independent & unbiased
We're not tied to any single acquirer. The right fit for your business wins, not the one that pays us most.
02
Best commercial terms
We leverage our whole-of-market position to negotiate sharper rates than you'd typically get going direct.
03
Built around your model
Subscription, high ticket, cross-border, high risk. We match acquirers whose appetite fits your traffic.
Cardflo
cardflo.io
Cardflo · Smarter Payments Built Around You
11 / 12
Pricing & routing

Best rates in the market, routed intelligently.

Pricing from
0.4%
Per transaction · subject to volume & risk profile
01
Whole-of-market access
Every major UK & EU acquirer, 400+ payment methods and Open Banking, with no single-partner lock-in.
02
Matched to your business
Underwriting and commercial fit done for you, with acquirers that actually want your volume, sector and risk profile.
03
Cost-based routing
Each transaction scored on price and approval likelihood in real time, then sent to the lowest cost route that converts.
04
Smart retries & cascading
Soft declines are retried on the next best acquirer automatically, recovering revenue you would otherwise lose.
05
One integration, every rail
A single API, plugin or hosted checkout unlocks the whole network. Add new acquirers without dev work.
06
Transparent, no lock-in
Clear pricing, no hidden markups, no multi-year tie-ins. We re-tender as the market moves.
Cardflo
cardflo.io
Cardflo · Smarter Payments Built Around You
12 / 12
Get started

Apply with
Cardflo.

Tell us about your business. We'll match you with the right acquiring partners and the right route.

Apply now
cardflo.io/contact
Payments Made Simple
Cardflo