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Payments.
Made simple.
Whatever your reason for choosing Cardflo, we will have you taking payments quickly, efficiently, affordably, and transparently
Browse our services
Online Payments
With our quick and easy integration, we’ll have you accepting payments online in no time. Turn your business in to a 24/7 operation without complication
Merchant Accounts
We will leverage our unique relationship with over 350 payment acquirers to ensure you get the very best pricing. With rates starting from 0.35% and no hidden fees, contact us for your free quotation.
High Risk Processing
We are specialists in providing merchant accounts for high-risk models. With our advanced risk tools, we will make sure your account stays open whilst providing the best rates available.
Subscription Services
With our bespoke subscription and recurring payments platform, you can now setup automatic subscription and recurring billing services automatically or with the click of a button.
Real-time reporting, without the fuss
We’ve all been there before – we start using a new system, and don’t know where to start. Unfortunately, it is all too common for systems providers to make the layout overly complicated, with too many menus and too much data, to justify the cost.
With full risk, chargeback and processing analytics from one easy to understand dashboard, payments will never be confusing again. Have a feature you would like to add? Our in-house development team can customise your reporting just for you.
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Open your business up to new ways of accepting payments
We understand that setting your business up to take payments can be a daunting, confusing, time-consuming, and expensive task. The good news is it doesn’t have to be.
We take pride in taking all the complexities of payment processing, saving time for you to spend growing and nurturing your business. Contact us today for a free payments review to see how we can help.
Our Mission
What makes us stand out from the rest?
We like our customers to feel part of the family – to feel valued and in good hands. Here are just some of the benefits of taking payments through Cardflo.
Low Rates Guaranteed
With over 350 acquiring partners to chose from and rates starting from 0.4%, Cardflo will ensure you get the best pricing available.
Fast Integration
We are tech-oriented, which means our dedicated team of developers are ready to ensure a fast onboarding, usually within the same day.
Intelligent Reporting
Despite the endless complexities of payment processing data, we have built our reporting system to be effortless and easy to understand.
Security As Standard
We are PCI Level 1 certified, meaning that all your payments are fully secured with the highest level of encryption.
UK Card Payments In Numbers
Debit Card Payments
In 2020, there were 15.8 billion debit card payments made in the UK
Card Payments
Of the 35.6 billion payments in the UK in 2020, over half were card payments
Contactless Payments
25% of all payments in the UK during 2020 where contactless payments
An innovative, tech-oriented approach
We have two passions in life – payments and technology. We believe that in the modern payments eco-system, this helps us stand out from the crowd, and results in providing our customers with the very best, innovative payment service.
We also understand that not everyone is tech oriented, or has the resources for tricky development. This is why we’ve built our integration to be as simple as possible, with our tech support on-hand at all times to help guide you to better payments.
Frequently Asked Questions
What services do you offer?
We provide our customers with an end-to-end payment processing solution. By working closely with you to understand your business, we ensure that your account is configured with the most beneficial acquiring bank to you. We believe that accepting payments should be an exciting, stress-free time, and with our simple-to-use, in-depth reporting system, and affordable rates, we aim to work with you for years to come.
What is involved in payment processing?
A series of electronic actions occur to complete a purchase made with a credit or debit card. Customers, businesses, payment processors, payment gateways, banks and credit card companies participate in the payment process. Credit card transactions might seem simple on the surface. But there’s much more to it. A card transaction involves the processing, verification, acceptance or rejection of a payment, and the transfer of funds.
Why is there no pricing structure to view?
Banks charge a flat fee and an interchange fee for transactions. The interchange fee works on a percentage basis, and depends on the type of business and the type of card. Coupled with the fact that we always take time to understand our partners, this means that every pricing structure is unique.
How long will it take to get set up?
Again, this largely depends on your type of business. During busy seasons, acquiring banks can take longer than usual to set up merchant accounts. From our side though, we get to work as soon as contracts are agreed, and will work as quickly as possible to get you taking payments efficiently and effectively.
Our Promise To You
100% Free Setup
We are pleased to have you on board, so there are no setup fees, ever.
Low-Rate Guarantee
Processing a payment is a complex task, but we keep rates low, always
Support At All Levels
Whether it’s tech support, or general support, we’re here for you, constantly.
