Give valid payments
a stronger first attempt.
Cardflo is your payments partner for enriched authorisation data, merchant account matching and routing shaped by issuer responses.
Legitimate purchases fail when payment data does not explain the transaction.
Missing or contradictory address fields leave issuers with less reliable purchase context.
Expired or replaced cards disrupt returning customer purchases and subscription collections.
Stored credential and recurring indicators fail to distinguish checkout purchases from renewals.
An issuer requests authentication, but checkout cannot move the customer into a 3DS2 flow.
A route lacks support for the token format, currency or authentication data being submitted.
Fraud blocks and insufficient funds are treated as gateway faults, triggering futile retries.
Improve the first request before adding another attempt.
Cardflo connects checkout context with acquirer partner capabilities. Align tokens, billing fields and authentication rules, then measure comparable issuer segments rather than headline averages.
Map supported billing and transaction fields consistently across partner payloads.
Support network tokens and lifecycle updates where partner capabilities allow.
Apply documented eligibility rules and retain authentication fallback.
Distinguish customer purchases from merchant-initiated subscription collections.
Match the MCC to actual trading activity, not a desired approval outcome.
Assess first-attempt acceptance by issuer, market, token type and authentication path.
Turn checkout context into a complete, supported authorisation request.
One orchestration layer for the details that influence acceptance.
Recover eligible payments without repeating the same mistake.
Supported network token: route with context.
Show whether the acceptance gap is technical, financial or risk related.
Six months of authorisation logs by issuer and response code
Token type, payment method and authentication breakdowns
ISO field mappings and stored credential specifications
3DS2 policies, exemption rules and fallback test records
Token requestor, cryptogram and lifecycle evidence by market
Start with decline evidence, then match and validate the route.
Match merchant accounts to the business and its payment data.
Cardflo helps match merchants with acquirer partners by actual activity, MCC, markets and billing model, then checks support for tokens, authentication and enriched payloads.
Make acceptance optimisation measurable, not speculative.
Build better approval rates on better payment evidence.
Share your issuer response analysis, integration mappings and authentication policies. Cardflo will help identify suitable acquirer partners and the configuration gaps worth addressing first.