Cardflo is a payment orchestration platform connecting merchants to 50+ acquirers and 400+ payment methods, with smart routing and high-risk support.
Category
Payments
Pricing
Interchange++ pricing with risk-based tiers: from 0.2% + interchange for low-risk merchants, 0.6% + interchange for medium-risk merchants, and 1% + interchange for high-risk merchants. No setup fees or monthly minimums; custom quotes via sales.
Verified
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Last updated
August 6, 2026
Founded
2021
SaaSFree TrialSubscriptionEnterpriseAPI
Cardflo is a payment orchestration platform that acts as a single integration point between merchants and a global network of 50+ acquiring banks and 400+ payment methods. Instead of merchants managing individual acquirer relationships, Cardflo's routing layer directs transactions to the best-performing acquirer based on country, currency, BIN, and merchant category, then cascades declined transactions to alternative processors to recover lost revenue. The platform targets merchants that traditional processors often turn away or price poorly, including high-risk verticals such as gaming, crypto, adult content, nutraceuticals, and forex, alongside subscription businesses, creator platforms, and omnichannel retailers needing multi-currency, multi-entity setups. Beyond routing, Cardflo offers recurring billing tools with card account updater and dunning, hosted and embedded checkout, 3D Secure and fraud optimization, chargeback and dispute management, and unified reporting across acquirers. Founded in 2021 by payments-industry operators and operated between the UK and Spain, Cardflo is PCI DSS scoped and positions itself as an alternative for merchants outgrowing standard acquirer or gateway relationships.
Key Features
Smart payment routing — Directs transactions across 50+ acquiring partners based on country, currency, BIN, and merchant category to maximize approval rates.
Decline recovery — Cascades declined transactions to alternative acquirers with automated retry scheduling to recover lost revenue.
High-risk acquiring network — Dedicated acquirer placement and underwriting support for high-risk verticals such as gaming, crypto, adult content, nutraceuticals, and forex.
Subscription payment management — Recurring billing tools including card account updater, dunning, and churn reduction for subscription businesses.
3D Secure and fraud optimization — Smart 3DS routing, frictionless authentication, and fraud/chargeback monitoring to reduce false declines and disputes.
API-first developer integration — Developer-friendly API with webhooks and a sandbox environment, plus ecommerce plugins for WooCommerce, Shopify, Magento, Shopware, OpenCart, and PrestaShop.
Pros & Cons
Pros
Access to 50+ acquiring partners and 400+ payment methods through a single integration
Transparent interchange++ pricing with no setup fees or monthly minimums
Dedicated high-risk acquiring network for verticals many processors decline
Cascading decline recovery and 3D Secure/SCA optimization to lift approval rates
No long-term lock-in contracts
Cons
No public self-serve pricing calculator; quotes require contacting sales
Rates and terms vary significantly by risk tier, making upfront comparison harder
Best suited to merchants with meaningful volume rather than small hobby stores
Requires merchant-side integration/onboarding rather than an instant sign-up flow