About Payflows
Smarter Payment Gateways for E-commerce
Paylows helps online stores move beyond expensive or restrictive payment providers. We act as an independent broker, connecting merchants with alternative payment gateways that improve approval rates, reduce processing fees, and provide reliable UK-based support.
Key Benefits
✔ Increase transaction a
Smarter Payment Gateways for E-commerce
Paylows helps online stores move beyond expensive or restrictive payment providers. We act as an independent broker, connecting merchants with alternative payment gateways that improve approval rates, reduce processing fees, and provide reliable UK-based support.
Key Benefits
✔ Increase transaction approval rates
✔ Reduce payment processing fees
✔ Access alternative payment providers
✔ Dedicated UK-based customer support
Why Switch From Your Current Payment Gateway?
Many E-commerce Businesses Are Paying Too Much
Traditional payment gateways can often come with hidden costs, rigid policies, and poor approval rates that directly impact your revenue.
Common problems merchants face:
Low transaction approval rates
Legitimate payments are often declined, costing yo
Why Switch From Your Current Payment Gateway?
Many E-commerce Businesses Are Paying Too Much
Traditional payment gateways can often come with hidden costs, rigid policies, and poor approval rates that directly impact your revenue.
Common problems merchants face:
Low transaction approval rates
Legitimate payments are often declined, costing you sales.
High processing fees
Many providers charge premium rates that reduce your margins.
Limited support
Global payment platforms can leave merchants waiting days for help.
Lack of flexibility
Many businesses are forced to use the gateway built into their platform.
How Paylows Works (3 Step Process)
Switching Payment Gateways Is Easier Than You Think
1. Free Payment Review
We analyse your current payment setup, including transaction fees, approval rates, and provider limitations.
2. Gateway Matching
Based on your business model and transaction volume, we match you with alternative payment providers th
How Paylows Works (3 Step Process)
Switching Payment Gateways Is Easier Than You Think
1. Free Payment Review
We analyse your current payment setup, including transaction fees, approval rates, and provider limitations.
2. Gateway Matching
Based on your business model and transaction volume, we match you with alternative payment providers that offer better performance and pricing.
Seamless Integration
Once approved, we help guide the transition so you can start processing payments with improved approval rates and lower fees.
The Hidden Risk
VAMP & The Risks of Payment Facilitators
VAMP & The Risks of Payment Facilitators
Many online businesses use payment facilitators like Stripe because they are easy to start with. However, they operate under strict card-network risk rules such as the Visa Acquirer Monitoring Program from Visa, which monitors fraud and dispute activity across merchants.
If thresholds are exceeded, processors may freeze funds, restrict accounts, or terminate payment processing to protect their overall risk exposure.
Key Threshold Changes (April 2026)
Visa is tightening risk limits under VAMP, including:
- Merchant dispute/fraud ratio: dropping from 2.2% to 1.5% of transactions
- Acquirer portfolio threshold: around 0.5% dispute ratio
- Enumeration (card-testing attacks): flagged if 20% of transactions are identified as card testing
These limits are measured monthly and can trigger monitoring programs or fines if exceeded.
Why This Matters for Businesses
When using a payment facilitator, merchants share infrastructure with thousands of other businesses. As a result:
- Risk controls are stricter
- Accounts can be suspended quickly
- Funds may be held during reviews
Paylows helps businesses explore alternative gateway providers that can improve approval rates, reduce fees, and provide more stable payment infrastructure.
