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Cashflows
Flexible merchant services and acquiring solutions tailored for UK businesses, fintechs, and platforms that want speed, control, and scalability.
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Exclusive Rates From as Low as 0.26%
What is Cashflows?
Cashflows is a UK regulated acquirer and payment service provider offering everything from card acquiring and payment gateways to recurring billing, payouts, and embedded finance features. Based in Cambridge and FCA authorised, Cashflows is focused on speed, innovation, and serving businesses that want control over their payments without relying on traditional banks.
Designed for ecommerce, financial services, and platform based businesses, Cashflows provides a full stack of APIs and partner ready tools for seamless integration. Whether you're processing direct payments, onboarding sub-merchants, or running a high volume ecommerce business, Cashflows delivers flexible infrastructure backed by realtime data and robust fraud tools.
At Compare Card Fees, we help UK businesses and SaaS platforms assess Cashflows against other providers, and in many cases, access exclusive commercial terms not available directly.
Key Features of Cashflows
Pricing & How Cashflows Compares
Cashflows uses a transparent pricing model tailored to your business size, sector, and processing volume. While it doesn’t publish standard rates, you can typically expect:
- Transaction fees between 0.9% and 2.5%, depending on card type and risk profile
- No setup fees for most standard integrations
- Monthly minimums may apply for higher volume merchants
- Custom pricing for platforms or integrated partners using embedded finance or multi MID setups
Compared to bank led acquirers like Lloyds Cardnet or Barclaycard, Cashflows offers faster onboarding and a more modern, flexible approach. For SaaS and platforms, it provides more control than aggregators like Stripe or Square, and a simpler commercial structure than enterprise focused providers like Adyen.
At Compare Card Fees, we can help negotiate favourable terms with Cashflows, particularly for platforms or businesses with unusual transaction flows, higher risk profiles, or embedded payment needs.
Pros and Cons of Cashflows
PROS
Fast merchant onboarding
Combined gateway and acquirer with full transparency
Great for platforms and fintechs needing embedded payments
Scalable API stack and recurring billing support
UK based support and FCA regulation
Cons
Not suitable for micro-businesses or face to face traders
Pricing depends on custom negotiation
Requires some development resources to integrate
FAQs about Lloyds Cardnet
Cashflows is a UK based acquirer and payment platform offering card processing, embedded payments, and gateway services for ecommerce and platforms.
Yes, Cashflows is fully authorised by the Financial Conduct Authority (FCA) as an e-money institution in the UK.
Approval can be completed within a few business days, faster than many traditional merchant banks.
Yes, Cashflows supports tokenisation, subscription billing, and stored cards for recurring payment models.
Visa, Mastercard, Apple Pay, Google Pay, and selected European local payment methods.
Yes. Cashflows supports a range of business models and can often onboard merchants that traditional banks decline.
Yes. Cashflows provides RESTful APIs for authorisation, capture, refund, settlement, and reporting.
Cashflows is a direct acquirer, not an aggregator. This allows for more control, faster settlement, and flexible commercial terms.
Yes, Cashflows offers multi MID and split payment support ideal for SaaS and marketplace platforms.
Yes, we have direct relationships with Cashflows and can secure bespoke pricing not typically offered to single merchants.
Is Cashflows Right for Your Business?
Cashflows is a compelling choice for growing ecommerce brands, fintech platforms, and businesses that want more control over their acquiring and settlement processes. It offers speed, scalability, and regulatory security, with the infrastructure to support recurring payments, embedded finance, and realtime data access.
If you’re a mid sized business or platform ready to level up from basic payment tools, Cashflows deserves serious consideration. Through Compare Card Fees, we can help you access the best rates, tailored onboarding, and the right acquirer configuration for your growth.
Still exploring options? Compare UK payment providers here to find the best fit for your business.
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