Made simple.

Whatever your reason for choosing Cardflo, we will have you taking payments quickly, efficiently, affordably, and transparently

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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.

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

With no long-term contracts or excessive fees, our mission is to provide a secure, affordable, efficient, and seamless payment processing service.
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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.

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

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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

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100% Free Setup

We are pleased to have you on board, so there are no setup fees, ever.

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Low-Rate Guarantee

Processing a payment is a complex task, but we keep rates low, always

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Support At All Levels

Whether it’s tech support, or general support, we’re here for you, constantly.

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Take the first step to better payments, with Cardflo