Cardflo

Cardflo is a global payments partner for merchants. It is described as serving businesses of all sizes and risk profiles, and it focuses on helping them access the right acquirers, payment methods, and pricing for their industry. The page also says it searches the market, manages the approval process, and powers this through one intelligent payment layer.

Its platform features include smart payment routing, multi-acquirer processing, a high-risk acquiring network, decline recovery, subscription payment management, alternative payment methods, 3DS optimisation, and chargeback management. The service says it provides direct acquirer access and that a single integration connects a business to every acquirer, method, and module. It also mentions recurring-payment tools such as card account updater, dunning, retry scheduling, and network tokens, along with token vaulting, unified reporting, fraud prevention, pre-dispute alerts through Ethoca and Verifi, and omnichannel payments across ecommerce, point of sale, MOTO, and payment links.

Cardflo specifically names high-risk merchants, subscription businesses, creator platforms, dating websites, iGaming payments, travel businesses, nutra payments, and CBD merchants among the industries it serves. It says its acquiring and underwriting relationships cover the UK, EU, US, LATAM, APAC, and MENA, and that it supports cards, open banking, A2A, wallets, buy now pay later, vouchers, and crypto on- and off-ramp. The page also describes pricing optimisation with interchange++, blended, or hybrid models, monthly benchmarking of effective rates, and a price beat guarantee written into every commercial agreement. It lists PCI DSS scoped service and states rates start from 0.2%, depending on risk profile and volumes.

The company describes itself as an independent payments partner, established in 2021. It also states 50+ acquiring partners, 400+ payment methods, 180+ currencies, 99.99% platform uptime, and time to first transaction of less than 14 days from signed MSA to live processing.