Welcome to CardFlow – the ultimate Multi-Purpose Fintech Wallet & Payment Platform. CardFlow is a comprehensive financial solution that empowers users offering seamless digital payments, money transfers, Virtual Cards, Mobile Recharge, AI Powered Assistant and more.

After Purchase Contact with support for free INSTALLATION.

Built with Laravel 11 and PHP 8.2+, CardFlow offers a secure, scalable, and feature-rich environment for startups, simplified payment processing, and enterprise-grade financial services.

Demo App

Demo Admin Panel

     Admin Login      Email: mahmudul00770@gmail.com      Password: password      User Login      Email: mahmudul0070@gmail.com      Password: password      Agent Login      Email: agent@gmail.com      Password: 123456      Merchant Login      Email: merchant@example.com      Password: password  

Complete Fintech Solution

Key Features

CardFlow comes packed with essential fintech features:

• Multi-Currency Support – Handle transactions in multiple currencies with real-time exchange rates.
• Secure Wallet System – Deposit, withdraw, and transfer funds securely.
• Smart Withdrawals – Withdraw funds to Bank Accounts with real-time status updates and transparent history.
• P2P Tradings – Now users can do p2p Trandings in cardflow with admin configured crypto and fiats.
• DPS Module – Users can open DPS in cardflow.
• Savings Module – Users can Create Savings in cardflow.
• FDR Module – Users can open FDR (Fixed Deposits) in cardflow.
• Login Session Module – Users can Manage their mobile and web Login sessions and logout anytime.
• Payment Gateways – Integrated with major payment providers (Stripe, PayPal, Razorpay, MercadoPago, SSLCommerz, Paystack, Local Bank Transfer with manual Approval.) for seamless deposits.
• Money Transfer – Instant peer-to-peer (P2P) transfers and bank withdrawals.
• Cash In – Instant cash in from agent to your account.
• Cash Out – Instant cash out from your account to local agent.
• Mobile Recharge – Top up mobile numbers and pay utility bills instantly.
• KYC Verification – Built-in Identity Verification system to ensure compliance and security.
• Virtual Cards – Issue virtual cards for online secure payments.
• 2FA Security – Two-Factor Authentication for added account protection.
• 3Layer Security – Device FingerPrint, Face ID and Pin Login system.
• Multi-Language Support – Pre-configured with multiple languages for global reach.
• Dark Mode – Sleek dark theme option for better user experience.
• Transaction History – Detailed logs of all financial activities for users and admins.
• AI Chat Assistant – Intelligent support bot for checking balances, transaction history, and general inquiries.
• Support Ticket System – Integrated helpdesk for resolving user queries efficiently.
• Smart Updater – Keep your system up-to-date with the built-in auto-updater module.

Agent Features

Take full control of agent panel:

• Dashboard Analytics – Visual insights into revenue, active users, and transaction volumes.
• Cash in Management – Manage cash in all in details.
• Cash Out Management – Manage cash out all in details
• Transactions Log – Monitor all deposits, withdrawals, and transfers in real-time.
• Advance Earnings Panel – Monitor all earnings, revenue and commissions real time..
• Withdraws Money – Withdraw your balance into your bank account..
• Add Money – Deposit money into your account using 8+ international payment gateways.
• And many more features – there are lot’s of advance features available.

Admin Panel Features

Take full control of your platform:

• Dashboard Analytics – Visual insights into revenue, active users, and transaction volumes.
• User Management – View, edit, ban, or verify users with ease.
• Fee Management – Configure transaction fees, withdrawal limits, and currency exchange rates.
• Transactions Log – Monitor all deposits, withdrawals, and transfers in real-time.
• Currency Management – Add new currencies and update exchange rates (Manual/API).
• Role-Based Access Control – Assign specific roles and permissions to sub-admins.
• System Settings – Customize the site name, logo, currency, and email templates.
• Security Settings – Manage 2FA, IP blocking, and activity logs.
• Ticket Management – Respond to user support tickets directly from the admin panel.
• Email Templates – Customize email notifications sent to users.
• Advanced Withdrawals – Manage withdrawals with detailed status tracking (Pending/Approved/Rejected) and custom rejection reasons.
• System Updater – Auto-update database migrations and system versions directly from the admin panel with one click.

Technical Stack

• Laravel 11.x
• Flutter 3.x
• Tailwind CSS
• Blade Templating
• jQuery & Alpine.js

Why Choose CardFlow?

CardFlow is designed for growth and security:

• Scalable Architecture – Built to handle high transaction volumes.
• Security First – CSRF protection, SQL injection prevention, and XSS filtering.
• Easy Customization – Clean code structure makes it easy to add new features.
• Documentation – Comprehensive guide for installation and configuration.

Whether you are building a neobank, a remittance service, or a simplified payment gateway, CardFlow provides the solid foundation you need to launch quickly and scale effectively.

 05-Sep-2026 v2.3.0  - Added: Custom CSS, JS, Script Insert in web from admin panel. - Added: Multi-Role & Staff Management System (RBAC) for the admin panel. - Added: All Types Transfer and transaction Daily, Monthly and count limit Control by Admin. - Added: Staff Activity Log for supper admin. - Added: Pages in User and Agent App for Limit Show. - Added: Send Money Through Mobile Number. - Added: Mobile Number During Registration. - Added: Google Recaptcha in login, forgot password, register pages. - Added: Expense Tracking System in-app. - Added: FlutterWave Payment Gateway. - Added: Bkash Payment Gateway. - Added: Mollie Payment Gateway. - Added: Xpay Payment Gateway. - Redesigned: User App Sidebar. - Fixed: ensure_storage_link Error.  Referral & Customer Onboarding System  - User-to-User Referrals - Agent Can Do User Onboarding - Dedicated Agent Referral Commission - Admin Configuration System For Referral system. - Admin Monitoring & Analytics For Referral.  Completed: Merchant Web and Flutter Mobile App Module  - Added: Merchant Onboarding & KYC Application system with business document upload, store profile, and Admin approval workflow. - Added: Hosted Payment Gateway & Checkout Page (`/pay/{token}`) with multi-gateway and customer wallet balance support. - Added: Official WordPress & WooCommerce Payment Gateway Plugin (`cf_gateway_woocomerce.zip`) for instant eCommerce store integration. - Added: WooCommerce IPN Webhook listener for automated order status synchronization, payment validation, and refunds. - Added: Social Commerce Payment Links Engine supporting single-use client invoices, multi-use product links, fixed/flexible amounts, and expiry dates. - Added: In-Page QR Code on checkout pages allowing customers to scan and pay directly via the Customer Mobile App. - Added: In-Store Point of Sale (POS) QR Code Poster generator with high-resolution printable PDF download. - Added: Direct Merchant Pay (`MPAY`) wallet-to-wallet payment via QR code scan and merchant ID search with PIN security. - Added: Merchant Developer API Key management (Merchant Key, Public API Key, and Client Secret) with Sandbox and Live toggle. - Added: Automated Webhook Engine with HMAC-SHA256 signature verification, event triggers, and retry logs. - Added: Interactive Merchant Developer API Documentation (`/api-docs`) with ready-to-use code examples (cURL, PHP, Node.js, Python). - Added: Partial and Full Refund Engine for payment sessions, gateway payments, and QR wallet transactions with multi-currency conversion. - Added: Merchant Dispute & Chargeback Management Center with 14-day customer claim window and file attachment uploads. - Added: Merchant Counter-Evidence & Proof of Delivery submission (Tracking Number, Courier, Photos/PDFs) with 7-day countdown deadline. - Added: 1-Click "Accept Claim & Refund" feature to immediately settle customer disputes directly from merchant balance. - Added: Admin Arbitration Center for resolving dispute cases with automated wallet refund routing and ruling notes. - Added: Merchant Balance Withdrawal module to payout funds to connected bank accounts and local payout methods. - Added: Multi-Channel Dispute and Refund Notifications across Email, Web Portal, Merchant Mobile App, and Customer Mobile App. - Added: Dynamic Multi-Currency resolution and settlement (`BDT`, `USD`, etc.) across all merchant modules and receipts. - Added: Dedicated Flutter Merchant Mobile App (`cardflow_merchant`) for Android & iOS with real-time balance, payment analytics, payment links generator, dispute manager, and push notifications. - Added: Comprehensive Merchant Setup & Integration Documentation (`docs/merchant.html`). - Redesigned: Web Merchant Navigation Header with streamlined primary tabs and grouped "More" utilities dropdown. - Fixed: Hidden Dispute Claim option on incoming refund transactions and already refunded payments in Web and Mobile App. - Fixed: Resolved runtime crash (`capitalizeFirst`) and BuildContext async gap warnings in Merchant Flutter App. - Fixed: Namespace resolution error for `GeneralSetting` model in dispute service. - And Added Many More Features… 

 04-Aug-2026 v2.1.1  - New: Strowallet Card Provider     - We have implement new card provider now stripe or strowallet can be use. - Added: Date of birth, Address, Profession, Average income field in profile. - Added: Admin profile edit page. - Added: Card Creation fee is now updated with new Fixed + Percentage option. - Added: Card TopUp Fee system percentage, Fixed OR both. - Improved Email Sending Speed. - Improved Admin Panel Users and Transactions management page. - Improved Admin Sidebar pending deposit count. - Improved AI Chat Assistant with more advance Training Data. - Fixed: Page manager Privacy, GDRP, Terms page save content issue. 

 V -1.7 - New: Agent Module with Separate web Panel and Flutter mobile app. - New: Dynamic Home, About us, Contact Us, Terms, Privacy and GDRP Page Content manage. - Upgraded: Mobile App Upgraded with flutter latest version. - Added: Cash In Module. - Added: Cash Out Module. 

 V -1.6 - New: Login Session Management Module - New: Banner Ads/Display for App from admin panel. - New: FDR (Fixed Deposit) Module Added. - Bugs: During Installation version issue. - Bugs: SeederFile issue during installation. - Improved: Added Language Keys. 

 V --1.5 New: p2p Trading Module Added. Improved: Enhanced Mobile UI. Fixed: Some Minor Issues Resolved. 

 V --1.4 New: DPS Module Added. New: Savings Module Added. 

 V --1.3 New: One-Click System Updater Module New: MercadoPago Payment Gateway Integration New: Withdrawal Module Added Improved: Enhanced Mobile UI Improved: Ticket Chat Page Mobile UI Fixed: Mobile Ticket View issue. 

Support: Need help? Email us at support@mhquickdev.com. We are always here to help.