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What is Cardstream?

Cardstream is a Payment Service Provider that enables Merchants to process card payments via our Payment Gateway.

Is Cardstream competitively priced?

Yes - have a look at our comparison chart. We offer a very competitive tariff and we shall continue to our best in driving these costs down for our Merchants.

How can I start using Cardstream?

You will require a Merchant Account from one of our Partner Merchant Acquirers. Once you have the relevant Merchant Account setup, you can enter your Merchant Number into our online application process and proceed through the few simple steps to set up your Cardstream Payment Processing Account.

I don't have a Merchant Account?

Don't worry - we can assist. We have very good relationships with the Merchant Acquirers and can often provide direct contact details for relationship managers. They can then take you through the Merchant Account application process. Please contact us if this is of interest.

What Card Types does Cardstream process?

Cardstream processes all the major card types and all the UK issued card types. We also process American Express, JCB and Diners. A full list can be seen at

What currencies can I process with Cardstream?

Cardstream can process in any currency. To do this, you will require a Multi Currency Merchant Account to be set up by your chosen Merchant Acquirer. You will need to stipulate which currencies you wish to process with them and then inform us of those currencies during your Cardstream application process.

Does Cardstream collect or handle my funds?

Cardstream only authorises payments. We never handle or control any funds through the authorising or settlement process.

How long does it take for authorised transactions to appear in my settlement account?

The length of time it takes for funds to appear in your settlement account depends on the terms and conditions you have with your Merchant Acquirer - we have seen this settlement period take up to 30 days! However, with some positive online trading history, it's more typical for it to appear within the following three working days.

Can I see transaction results in real time?

Yes - Cardstream operates a real time Merchant Management System, where you can view and manage all your transactions securely.

Can I process Refunds?

Yes - we can offer refund functionality via the API or manually, via the Merchant Management System.

Can I test the Cardstream platform?

Yes - we provide Integration Documents and Test Account details for this purpose.

Where are the hidden costs?

There are no hidden costs. No secret percentages or processing fees. All of our costs are advertised at

Does Cardstream support 3D Secure - Verified by Visa and MasterCard SecureCode?

Yes - the Integration guides can be found at

Does Cardstream offer a Hosted Integration method?

Yes - we offer a Hosted Form integration method and a Custom Hosted Form Integration method. The Custom Hosted Form allows you to design the form to fit in with your Company Website look.

Does Cardstream offer a Direct Integration method?

Yes - we offer a Direct Integration method. Using this method you can host your own payment forms and use the Cardstream Integration variables as required.

How long does it take to setup a new Cardstream account?

The typical setup time is 3 - 4 working days.

During what time is support available?

UK based merchant telephone support is available Monday to Friday, 9am to 5:30pm. Email support is available but limited during out of hours.

Does Cardstream integrate with Open source Shopping Carts?

Cardstream can integrate with the following shopping carts:

  • Tomato Cart
  • Cubecart
  • Magento
  • Opencart
  • Zencart
  • Prestashop
  • CScart
  • Xcart
  • Ubercart
  • Lemonstand
  • OScommerce

Can I specifically only accept debit or credit cards?

Yes, Cardstream can setup a merchant's account so that only debit or credit cards can be processed.

How long has Cardstream been trading?

Cardstream have been offering online payment services since 1999.

Does Cardstream support recurring billing?

Whenever a successful transaction has taken place on a Cardstream system, the merchant will be returned a unique alphanumeric string called a cross-ref. This cross-ref allows you to charge the card used up to 40 days after the original transaction - this allows you to complete recurring billing without the need to store credit card data.