Cardstream credit card payment gateway

Cardstream Review - Credit Card Payment Gateway

Cardstream credit card payment gateway
Paypal chip and pin reader
Cardstream credit card payment gateway


Cardstream Limited
Year Est
Support Options
  • Email
  • Telephone

Payment Processing

Transaction Fees
  • 400 Free Transactions
  • 9.9p Over 400 Transactions

Cardstream Overview

Cardstream is a low-cost payment gateway provider based in the UK that provides a credit card processing service with no setup fees. It supports most popular eCommerce shopping carts, and as an independent company, it works with all UK bank acquirers.

As well as supporting eCommerce installations Cardstream also supports MOTO (mail order/telephone order) transactions and can provide face to face PDQ Merchant Accounts.

What is unique about Cardstream is that because they are independent you are not tied to any particular Internet Merchant Account, and if you don't have an existing account, they will work with you to source the best account for your business type.

Cardstream offers Level 1 PCI: DSS compliance.

Cardstream Services

Direct Integration

Cardstream offers direct integration where your payment pages capture the cardholder's credit card details and then forward the details to the payment gateway. The relevant security checks are performed and authorisation or declined response sent back to your website. The customer then receives a response.

Hosted Forms

This is the most common form of payment gateway where the payment form is hosted on your behalf, so there is no need for an SSL certificate. It is a simple solution that benefits sporadic or one-time payments.

The hosted forms can be customised with a header and footer, and the entire CSS can be edited to match the look of your existing website.

Merchant Management System

Anyone who runs an eCommerce website knows that knowledge is paramount. Whether it be from Analytics or stock levels and having real-time transaction information available is a real bonus.

You get reports which give you the ability to be able to see all historical transaction information, as well as detailed transaction receipts. All transactions can be exported to .csv format for further analysis.

Access to the virtual terminal is free for all Cardstream accounts and supports multi-level access so that you can restrict administration access. This is useful where you don't want people processing refunds that should not be handled for example.

Security Checks &3D Secure

Cardstream offers Card Security Code (CV2, CSC checks) as well as address verification system to ensure that the card presenter has the authority to use the card. It also supports 3D secure. There is no additional charge for using this service.

eCommerce Modules (Plug-ins)

Want to know if your eCommerce application is supported by Cardstream?

Zencart, WHMCS (web hosting management), Cubecart; Lemonstand; Opencart; Magento; Prestashop; Xcart; Oscommerce; Woocommerce; Hika shop and Virtuemart are all supported.

Shopify and Kashflow are both supported by add-in modules, and that is a good reason to use this payment gateway.

Transaction Fees

The monthly cost for using the Cardstream Payment gateway is £18 with 350 included transactions. Go above that limit, and the additional cost per transaction is 9.9p.

There is no set-up fee no contract and no hidden charges.

Price Guarantee

Cardstream will beat on price any Payment Gateway tariff that is notified to us via email.

Cardstream is committed to providing our Merchants with the best possible service and tariffs. While the standard Cardstream tariffs are incredibly competitive and already offer an excellent value service, we are committed to our Price Guarantee policy until 31st December 2016.


Sage Pay may be the market leader and the most recognised brand, but Cardstream offers an equal service at a comparatively lower cost. You can choose the Internet Merchant Account that you would like to work with, or Cardstream can recommend one based on the nature of your business.

Integrations are available for all major shopping carts including Shopify and accounting software Kashflow 

Click Here To Visit Cardstream

Editor comment

1 comment
Cardsense Review
Cardsense is a lesser known but capable payment processor that has many of the features provided by the more expensive Sagepay. If your eCommerce integration supports Cardsense then this is a really good choice for your store.
#1 Reviewer 30 reviews
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