--- title: Encoded partnership offers faster card payments description: CashFlows partners with Encoded to facilitate faster card payments and reduce the number of declined transactions for merchants. image: https://www.cashflows.com/hubfs/Cashflows_February2021/Images/Encouded-Press-Relese.jpg --- [![blue_logo](https://www.cashflows.com/hs-fs/hubfs/Blog%20images/Blog%20Images%202021/blue_logo.png?width=143&height=26&name=blue_logo.png) ](https://www.cashflows.com) - Products - [ Payment Processing ](https://www.cashflows.com/solutions/payment-processing) ![payment-processing-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/payment-processing-icon.svg) #### [Payment Processing](https://www.cashflows.com/solutions/payment-processing) Fast, secure, easy - card processing to support your business #### [Anytime Settlement Get access to your funds within hours](https://www.cashflows.com/solutions/anytime-settlement) #### [Account Updater Automatically update lost or stolen card details](https://www.cashflows.com/solutions/account-updater) #### [Direct Send Pay out to card in minutes](https://www.cashflows.com/solutions/instant-payout) #### [3D Secure V2.2 Get ready for two-factor authentication](https://www.cashflows.com/solutions/3d-secure) #### [Network Tokens Revolutionizing digital transactions](https://www.cashflows.com/solutions/network-tokens) - [ In-Person Payments ](https://www.cashflows.com/solutions/point-of-sale) ![payments-in-person-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/payments-in-person-icon.svg) #### [In-Person Payments](https://www.cashflows.com/solutions/point-of-sale) All you need for taking card payments in person #### [SUNMI P3 Seamless, secure and speedy payments](https://www.cashflows.com/solutions/sunmi-p3) #### [SUNMI P2 SE Smart POS with the power of Android](https://www.cashflows.com/solutions/sunmi-p2-se) #### [SUNMI P3 Mix All-in-one POS solution for business](https://www.cashflows.com/solutions/sunmi-p3-mix) #### [Countertop card machine Castles Vega Countertop specifications](https://www.cashflows.com/countertop-card-machine) #### [Mobile card machine Castles Vega 3000 Mobile specifications](https://www.cashflows.com/mobile-card-payment-machine) #### [Smart POS card machine Castles Saturn 1000 F2 specifications](https://www.cashflows.com/smart-pos-card-machine) #### [Compare Card Machines Compare our latest card machines](https://www.cashflows.com/compare-card-machines) - [ Payment Gateway ](https://www.cashflows.com/solutions/online-payments) ![online-payments-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/online-payments-icon.svg) #### [Payment Gateway](https://www.cashflows.com/solutions/online-payments) Start taking payments online today #### [Hosted Checkout Easy, secure and compliant payments for your website](https://www.cashflows.com/solutions/hosted-checkout) #### [Virtual Terminal Phone payments made easy for your team](https://www.cashflows.com/solutions/virtual-terminal) #### [Pay by Link Take card payment on invoices and emails](https://www.cashflows.com/solutions/pay-by-link) #### [Cashflows Portal Access to your data and payment tools in real-time](https://www.cashflows.com/solutions/cashflows-portal) #### [Click to Pay The revolutionary digital wallet](https://www.cashflows.com/solutions/click-to-pay) - [ Fast Onboarding ](https://www.cashflows.com/solutions/fast-onboarding) ![CF NAV - Faster Customer Onboarding 2024](https://www.cashflows.com/hubfs/Icons/CF%20NAV%20-%20Faster%20Customer%20Onboarding%202024.svg) #### [Fast Onboarding](https://www.cashflows.com/solutions/fast-onboarding) A game-changing tool that puts you in control of your customer applications - [ Omnichannel ](https://www.cashflows.com/solutions/omnichannel) ![omnichannel-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/omnichannel-icon.svg) #### [Omnichannel](https://www.cashflows.com/solutions/omnichannel) Take payments wherever your customers shop - [ Cashflows Advance ](https://www.cashflows.com/solutions/cashflows_advance) ![Cashflows Advance](https://www.cashflows.com/hubfs/Cashflows%20Advance.svg) #### [Cashflows Advance](https://www.cashflows.com/solutions/cashflows_advance) Alternative business financing - [ Solutions for sectors ](https://www.cashflows.com/solutions/solutions-for-sectors) ![CF NAV - Solutions for Sectors 2024](https://www.cashflows.com/hubfs/Icons/CF%20NAV%20-%20Solutions%20for%20Sectors%202024.svg) #### [Solutions for sectors](https://www.cashflows.com/solutions/solutions-for-sectors) Your industry supported with card payments #### [Retailer payment systems Retail payment solutions to support your business.](https://www.cashflows.com/solutions/retail) #### [Insurance payment processing Seamless payment processing for Insurance, Brokers and MGA's.](https://www.cashflows.com/solutions/insurance) #### [Financial services payment solutions From recurring billing, to payout, we’re ready to support you.](https://www.cashflows.com/solutions/financial-services) #### [Veterinary payment systems Payments you can trust to help your business grow.](https://www.cashflows.com/solutions/vets) #### [Dental payment systems Seamless and secure systems for dental payments.](https://www.cashflows.com/dental-payment-systems-cashflows) - [Partner with us ](https://www.cashflows.com/solutions/partnership-opportunities) - [Shift ](https://www.cashflows.com/shift) - About - Resources - Support - [Developers ](https://developer.cashflows.com/) [ Login ](https://www.cashflows.com/login) [ Contact sales ](https://www.cashflows.com/contact) **** - Products - [![payment-processing-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/payment-processing-icon.svg) #### Payment Processing Fast, secure, easy - card processing to support your business ](https://www.cashflows.com/media/cashflows-partners-with-encoded#Payment-Processing) - [![payments-in-person-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/payments-in-person-icon.svg) #### In-Person Payments All you need for taking card payments in person ](https://www.cashflows.com/media/cashflows-partners-with-encoded#In-Person-Payments) - [![online-payments-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/online-payments-icon.svg) #### Payment Gateway Start taking payments online today ](https://www.cashflows.com/media/cashflows-partners-with-encoded#Payment-Gateway) - [![CF NAV - Faster Customer Onboarding 2024](https://www.cashflows.com/hubfs/Icons/CF%20NAV%20-%20Faster%20Customer%20Onboarding%202024.svg) #### Fast Onboarding A game-changing tool that puts you in control of your customer applications ](https://www.cashflows.com/solutions/fast-onboarding) - [![omnichannel-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/omnichannel-icon.svg) #### Omnichannel Take payments wherever your customers shop ](https://www.cashflows.com/media/cashflows-partners-with-encoded#Omnichannel) - [![Cashflows Advance](https://www.cashflows.com/hubfs/Cashflows%20Advance.svg) #### Cashflows Advance Alternative business financing ](https://www.cashflows.com/solutions/cashflows_advance) - [![CF NAV - Solutions for Sectors 2024](https://www.cashflows.com/hubfs/Icons/CF%20NAV%20-%20Solutions%20for%20Sectors%202024.svg) #### Solutions for sectors Your industry supported with card payments ](https://www.cashflows.com/media/cashflows-partners-with-encoded#Solutions-for-sectors) - Partner with us - Shift - About - Resources - Support - [Developers ](https://developer.cashflows.com/) [ Login ](https://www.cashflows.com/login) [ Contact sales ](https://www.cashflows.com/contact) Back [![payment-processing-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/payment-processing-icon.svg) #### Payment Processing Fast, secure, easy - card processing to support your business ](https://www.cashflows.com/solutions/payment-processing) ##### Features #### [Anytime Settlement Get access to your funds within hours](https://www.cashflows.com/solutions/anytime-settlement) #### [Account Updater Automatically update lost or stolen card details](https://www.cashflows.com/solutions/account-updater) #### [Direct Send Pay out to card in minutes](https://www.cashflows.com/solutions/instant-payout) #### [3D Secure V2.2 Get ready for two-factor authentication](https://www.cashflows.com/solutions/3d-secure) #### [Network Tokens Revolutionizing digital transactions](https://www.cashflows.com/solutions/network-tokens) Back [![payments-in-person-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/payments-in-person-icon.svg) #### In-Person Payments All you need for taking card payments in person ](https://www.cashflows.com/solutions/point-of-sale) ##### Features #### [SUNMI P3 Seamless, secure and speedy payments](https://www.cashflows.com/solutions/sunmi-p3) #### [SUNMI P2 SE Smart POS with the power of Android](https://www.cashflows.com/solutions/sunmi-p2-se) #### [SUNMI P3 Mix All-in-one POS solution for business](https://www.cashflows.com/solutions/sunmi-p3-mix) #### [Countertop card machine Castles Vega Countertop specifications](https://www.cashflows.com/countertop-card-machine) #### [Mobile card machine Castles Vega 3000 Mobile specifications](https://www.cashflows.com/mobile-card-payment-machine) #### [Smart POS card machine Castles Saturn 1000 F2 specifications](https://www.cashflows.com/smart-pos-card-machine) #### [Compare Card Machines Compare our latest card machines](https://www.cashflows.com/compare-card-machines) Back [![online-payments-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/online-payments-icon.svg) #### Payment Gateway Start taking payments online today ](https://www.cashflows.com/solutions/online-payments) ##### Features #### [Hosted Checkout Easy, secure and compliant payments for your website](https://www.cashflows.com/solutions/hosted-checkout) #### [Virtual Terminal Phone payments made easy for your team](https://www.cashflows.com/solutions/virtual-terminal) #### [Pay by Link Take card payment on invoices and emails](https://www.cashflows.com/solutions/pay-by-link) #### [Cashflows Portal Access to your data and payment tools in real-time](https://www.cashflows.com/solutions/cashflows-portal) #### [Click to Pay The revolutionary digital wallet](https://www.cashflows.com/solutions/click-to-pay) Back [![CF NAV - Faster Customer Onboarding 2024](https://www.cashflows.com/hubfs/Icons/CF%20NAV%20-%20Faster%20Customer%20Onboarding%202024.svg) #### Fast Onboarding A game-changing tool that puts you in control of your customer applications ](https://www.cashflows.com/solutions/fast-onboarding) Back [![omnichannel-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/omnichannel-icon.svg) #### Omnichannel Take payments wherever your customers shop ](https://www.cashflows.com/solutions/omnichannel) ##### Features Back [![Cashflows Advance](https://www.cashflows.com/hubfs/Cashflows%20Advance.svg) #### Cashflows Advance Alternative business financing ](https://www.cashflows.com/solutions/cashflows_advance) Back [![CF NAV - Solutions for Sectors 2024](https://www.cashflows.com/hubfs/Icons/CF%20NAV%20-%20Solutions%20for%20Sectors%202024.svg) #### Solutions for sectors Your industry supported with card payments ](https://www.cashflows.com/solutions/solutions-for-sectors) ##### Features #### [Retailer payment systems Retail payment solutions to support your business.](https://www.cashflows.com/solutions/retail) #### [Insurance payment processing Seamless payment processing for Insurance, Brokers and MGA's.](https://www.cashflows.com/solutions/insurance) #### [Financial services payment solutions From recurring billing, to payout, we’re ready to support you.](https://www.cashflows.com/solutions/financial-services) #### [Veterinary payment systems Payments you can trust to help your business grow.](https://www.cashflows.com/solutions/vets) #### [Dental payment systems Seamless and secure systems for dental payments.](https://www.cashflows.com/dental-payment-systems-cashflows) [![arow](https://www.cashflows.com/hubfs/Group%2021%20(3).svg)Explore our blog library](https://www.cashflows.com/media) [press release](https://www.cashflows.com/media/tag/press-release) # Encoded partnership offers faster card payments ![Encoded partnership offers faster card payments](https://www.cashflows.com/hubfs/Cashflows_February2021/Images/Encouded-Press-Relese.jpg) [By Cashflows Press Team](https://www.cashflows.com/media/author/cashflows-press-team) **LONDON, April 17th: **Encoded, a leading Payment Service Provider and pioneer of innovative secure payment solutions for contact centres, has announced a new partnership with Cambridge-based Omni-Channel Payments Provider, Cashflows.The partnership will leverage the knowledge and technology of both companies to enable safer card payments and help reduce the number of declined transactions for merchants. The proven expertise of Cashflows in maximising payment acceptance through more right-time sales, fewer declines and disputed sales, will strengthen Encoded’s ability to offer a range of secure automated payment solutions that support effective compliance management, improve customer loyalty and boost profits. Rob Crutchington, Managing Director of Encoded commented, “Understanding why card transactions are declined can make a big difference to the bottom line. However, with over 40 potential decline codes to decipher, it’s a daunting and time-consuming task.  Teaming up with a young, dynamic acquirer like Cashflows gives us the ability to facilitate faster card payments and help merchants navigate their way through the tricky issue of decline codes.  This collaboration keeps both companies ahead of the curve. Customers can rely on brand-new architecture to build a tailored payment framework that meets their specific needs.  In an ever-changing industry, we have found Cashflows to be quick to respond to us and to the demands of the marketplace.  In Cashflows, we have discovered a like-minded partner and we look forward to a long and successful relationship.”  Jonathan Bennett, Chief Commercial Officer of Cashflows said, “Our research shows cash flow is a top priority for businesses everywhere and this means ensuring that payments are processed efficiently and ideally first time around.  Our aim at Cashflows is to give customers all the right information they need to guarantee every transaction is a profitable one.  Through our partnership with Encoded, we aim to take our capabilities to a whole new level by tapping into their unrivalled knowledge of the payments industry and their trailblazing technical and compliance initiatives.  Encoded is a great company to work with, and like us they believe in combining exceptional customer care with innovative technology.  Together, we will strive to raise the bar in an industry that has for too long put its customers second and failed to simplify the unnecessarily complex challenges they face.” Encoded offers a range of card payment solutions designed to help organisations comply with GDPR, PCI DSS and the newly introduced Payment Services Directive (PSD2). The company’s complete contact centre payment suite includes IVR Payments, Virtual Terminal, Web Payments, Mobile Apps and the very latest PayByLink solution.**  **Encoded’s secure payment solutions are designed to free up valuable contact centre agent time allowing people to focus on customer service, more complex enquiries and revenue generating activities.**  **For more information, visit [www.encoded.co.uk.](http://www.encoded.co.uk) ## Related Stories [![UK SMEs gain millions in funding through Cashflows Advance](https://www.cashflows.com/hubfs/Cashflows%20Advance-1.jpg) press release ## UK SMEs gain millions in funding through Cashflows Advance 19 August, 2025, London, UK: Cashflows, the platform that makes it easy for businesses to accept ... ](https://www.cashflows.com/media/uk-smes-gain-millions-in-funding-through-cashflows-advance) [![Blink Payment taps Cashflows as acquiring partner to enhance payment capabilities across financial, legal, and trade sectors](https://www.cashflows.com/hubfs/Blink-1.jpg) press release ## Blink Payment taps Cashflows as acquiring partner to enhance payment capabilities across financial, legal, and trade sectors 5 August, 2025, London, UK: Cashflows, the platform that makes it easy for businesses to accept ... ](https://www.cashflows.com/media/blink-payment-taps-cashflows-as-acquiring-partner-to-enhance-payment-capabilities-across-financial-legal-and-trade-sectors)