Cashflows is the UK PSP that powers card payments on every Turbo IT raffle site we run today (including Lucky Turbo and Mr XCA). They approve competition operators that most generic PSPs (Stripe, Square) reject — that’s the reason we standardised on them.

What you’ll need before applying

• UK limited company (Companies House registered)
• Business bank account in the company name
• Director ID (passport or UK driving licence)
• Proof of address for the director (utility bill, bank statement < 3 months old)
• Your raffle site live at <slug>.turboit.uk with at least one mock competition visible
• Brief description of your business model — “UK prize-draw competition site, free-entry route, paid tickets”

The application steps

1. From app.turboit.uk/configure, click Apply with Cashflows. You’ll be taken to their merchant onboarding form. Reference “Turbo IT platform tenant — Lucky Turbo Ltd partnership” when they ask how you heard about Cashflows; we have an existing relationship which speeds processing.
2. Fill in your company details, upload your director ID + proof of address, and provide a link to your <slug>.turboit.uk site.
3. They’ll request a few extras: T&Cs URL (your /terms-and-conditions page), Privacy Policy URL (your /privacy-policy page), Responsible Play URL (/responsible-play). All three exist on a default Turbo IT tenant.
4. Back in your SaaS portal, mark the task as Applied. This isn’t verified by us — it just lets us know to expect your MID soon.
5. Cashflows email you when approved. Typical turnaround is 3–5 working days. You’ll receive your MID (merchant ID), an API key, and a webhook secret.
6. Open your raffle admin at <slug>.turboit.uk/admin/integrations and paste the three values into the Cashflows section. Click Save. Toggle Mode from test to livewhen you’re ready to take real money.

Descriptor rules

Cashflows requires that the descriptor that appears on customers’ bank statements reasonably matches your trading name. If you operate as “Acme Raffles”, your descriptor should be something like ACME RAFFLES or ACMERAFFLES.CO.UK. Maximum 22 characters.

If you have a parent-company structure (like ours — “Lucky Turbo” trading under “Lucky Turbo Ltd”), make sure the disclosure appears clearly somewhere on the site (footer line: “Acme Raffles is a trading name of Acme Raffles Ltd”). This is both a Cashflows requirement and good practice for chargeback defence.

Testing your gateway before going live

With Cashflows mode set to test, you can run end-to-end purchases without real money moving. Buy a ticket on your own site using one of the Cashflows test cards. Confirm the order appears in your admin, the customer receives a confirmation email, and the ticket is allocated.

Once that works, flip the mode to live in Integrations. Run one real low-value purchase yourself (£1–2 ticket) and confirm it lands. Then you’re ready to announce launch.

If Cashflows decline you

It happens occasionally — usually around prize-pool size, age of company, or director credit history. Two options:

• Reply to their decline email asking for the specific reason. Often there’s a fixable item (e.g. add a UK contact address) that flips the decision.
• Email info@turboit.uk. We’ve been through this with multiple operators and can usually intermediate. There are also alternative UK PSPs (Worldpay, NMI) we’ve integrated with — talk to us before assuming you’re stuck.

If the Cashflows descriptor isn’t your brand name

Cashflows occasionally approves your MID under a descriptor that isn’t your brand — usually the parent company name on file (e.g. “Lucky Turbo Competitions”for a brand operated as a trading style of another Ltd). This shows up on customer card statements and can trigger “I didn’t order from this” chargeback claims.

The fix is in-app disclosure: somewhere visible on your checkout page, add a small line that says “Payments processed by [your descriptor] — this is the name that appears on your card statement”. We auto-render this if you populate Admin → Settings → Payment descriptor. Two-line investment that prevents a meaningful chunk of disputed transactions.

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