Is Cashflows a legitimate, regulated company?

Yes. Cashflows is a UK merchant acquirer, FCA-authorised as an electronic money institution since 2011 and a principal member of both Visa and Mastercard. It is backed by private equity firm Pollen Street Capital.

What is Cashflows' Trustpilot rating?

As of June 2026, Cashflows holds 4.3 out of 5 on Trustpilot across 119 reviews - Trustpilot's "Excellent" band. Reviews are predominantly positive, with named account managers praised repeatedly.

Does Cashflows accept competitions, raffles or higher-risk sectors?

In our experience, yes - Cashflows has appetite for several sectors that many acquirers steer clear of, including prize competitions, raffles and game-of-skill operators. If you trade in one of these, we can tell you honestly whether Cashflows fits and place your application with the right team.

How much does Cashflows cost?

Cashflows does not publish public rate cards; pricing is quote-based and adjusts to your turnover and setup. Going through Merchant Advice, we aim to secure preferential rates rather than the standard first offer.

How do I get preferential rates with Cashflows?

Complete the enquiry form on this page. Merchant Advice places merchants with Cashflows directly, so we can put your application in front of the right team and push for better terms than going direct.

Cashflows Review 2026 – Fees & Rating

Cashflows Review

Cashflows is a UK merchant acquirer and principal Visa and Mastercard member, FCA-authorised since 2011, known for flexible settlement and strong, service-led account management. Here's our independent view - and how to get preferential rates if it fits your business.

UK acquirer, principal Visa & Mastercard member since 2011

Flexible 'Anytime' settlement - same-day or next-day

Rated 4.3/5 on Trustpilot (119 reviews)

Placed directly through Merchant Advice

Our verdict

Cashflows is one of the stronger UK acquirers we work with - established, well-regulated, and genuinely service-led rather than a commodity processor.

Its standout traits are flexible settlement, a praised account-management team, and a willingness to support sectors many acquirers avoid. For businesses that want a payments partner to grow with, it's an easy provider to recommend.

What Cashflows offers

Card acquiring. A UK principal member of Visa and Mastercard, processing online, in person, and over the phone on its own cloud platform.

Online payments. A gateway with three integration paths - hosted checkout, direct API, and embedded checkout - plus Apple Pay, Google Pay, PayPal, and Click to Pay, with 3DS 2.2 as standard.

In person and remote. Ingenico and Castles card machines, a virtual terminal for phone orders, and pay-by-link.

Omnichannel and settlement. A unified portal across channels, plus Anytime Settlement - same-day, next-day, or 3-day payouts to suit your cash flow.

Beyond payments. Cashflows Advance (revenue-based funding), Account Updater for recurring billing, Direct Send payouts, and an AI-assisted Fast Onboarding tool.

Strengths

Flexible settlement. Anytime Settlement (same-day, next-day, or 3-day) is a genuine differentiator for cash-flow-sensitive merchants.
Strong account management. By far the most cited positive in reviews - named managers praised for responsiveness and going beyond standard hours.
Established and regulated. Principal Visa/Mastercard member since 2011, FCA-authorised, Pollen Street Capital backed.
Fast, transparent onboarding. An AI-assisted application with real-time status tracking.
Genuinely omnichannel. One portal and unified reporting across online, in-store, and in-app.
Appetite beyond the mainstream. In our experience Cashflows supports competitions, raffles, and game-of-skill operators that many acquirers decline.

Watch-outs

No public pricing. Rates are quote-only - which is exactly where a broker helps you avoid an uncompetitive first offer.
Underwriting matters. As with any acquirer, a minority of reviews cite account holds or closures; setting up correctly and via the right channel reduces that risk.
Cashflows Advance is limited. The funding product needs limited-company status, six months trading with Cashflows, and £1,500+ monthly card turnover.
Pricing transparency. Confirm rates, settlement terms, and any reserve before you sign - we help you do exactly that.

What customers say on Trustpilot

Cashflows holds 4.3 out of 5 across 119 reviews - Trustpilot's "Excellent" band, and stronger than most acquirers of its size.

The positives. Reviewers overwhelmingly praise the account-management team by name, easy onboarding (including for businesses new to gateways), fast settlement, and reliable day-to-day service - several reference multi-year relationships with no issues.

The negatives. A small minority report account holds or closures, which read as underwriting decisions rather than service failures. They're the exception, and the kind of friction a broker relationship helps you avoid by getting your setup right from the start.

Think Cashflows could be the right fit? We'll confirm it honestly, and aim to get you preferential rates rather than the standard offer.

Get preferential rates

Who Cashflows is best for

It suits omnichannel retailers and ecommerce businesses wanting flexible settlement and unified reporting, financial-services and insurance firms with recurring billing or payout needs, and partners and resellers building payments into their own offering. In our experience it's also a strong option for prize-competition, raffle, and game-of-skill operators that need an acquirer comfortable with their model. It's a weaker fit for sole traders seeking funding, or very small businesses below the card-turnover thresholds.

Pricing and approval

There's no published pricing - Cashflows quotes against your turnover and setup, with a tiered engine that adjusts rates to volume. Onboarding is fast and well-supported, and as a principal member it underwrites in-house. The headline rate rarely tells the whole story, so it's worth comparing the total cost before committing.

Why go through Merchant Advice

We're an independent broker, not an affiliate. If Cashflows is the right fit, we place you directly and push for preferential rates rather than the first offer - and help you get the setup right so your account is stable from day one. If it isn't the right fit, we'll say so and match you elsewhere, at no cost to you.