Best for
Merchants located in Europe that are seeking e-commerce credit card processing solutions for their businesses.
Specializes in
Cardinity specializes in working with European-based businesses to offer them payment processing solutions. This company primarily works with e-commerce merchants, and does not offer POS systems or terminals.
Pricing Summary
Setup Fee: N/A
Monthly Fee: N/A
Swipe Rate: N/A
Keyed-in Rate: N/A
Early Termination Fee : N/A
Contract Terms:
Cardinity was founded in 2007 as a merchant account provider and payment gateway provider that offers credit card processing services for merchants based in Europe.
The company’s general director is Egidijus Andreika, and Cardinity is headquartered in Vilnius, Lithuania.
Cardinity is a subsidiary service that is provided by UAB Click2Sell.
Cardinity is a company located in Vilnius, Lithuania, and it was established in 2007 as a part of Click2Sell. It is a licensed payment institution that is regulated by the Central Bank of the Republic of Lithuania. Cardinity is registered at VISA Europe and is the principal member of MasterCard International.
Cardinity provides payment processing and merchant account services in over 31 markets, with a focus on the e-commerce industry. It operates as a payment gateway as well as an acquiring bank.
The general director of Cardinity is Edigijus Andreika. Cardinity is a PCI-DSS level 1 service provider. The company provides its services to merchants of all risk levels and business sizes that exclusively operate e-commerce businesses.
Cardinity includes a prohibited businesses list on its website, which includes various types of merchants, such as, cryptocurrency merchants, medical marijuana merchants, and tobacco and e-cigarette merchants.
Head Quarters
Sunrise Valley Science & Technology Park
Year Founded
2007
CEO
Egidijus Andreika
Employees
Unknown
Merchant Provider Risk Tolerance
Focuses their market on Europe, but will work worldwide.
Narrows their field to just eCommerce.
Will work with high risk merchants.
Accepts most major payment types.
Utilizes in-house marketing to avoid potential negative feedback.
No real value-added services.
Claims a flat rate, but offers nothing beyond that.
No detail given on potential contracts.
Merchant must have a certain level of website before the company will do business with them.
Multiple complaints to be found online.
Hardware & Software
Cardinity does not offer POS systems and terminals. This company focuses on providing online gateways, mobile payment solutions, and e-commerce integrations to its merchant customers.
This company offers global payment solutions for merchants doing business all over the world. Its software also includes recurring bill capabilities. Shopping cart integration is available for merchants who use Shopify, WooCommerce, PrestaShop, Magento, and many other shopping cart platforms.
Value Added Services
Cardinity does not offer any value added services to its merchant customers that are outside the realm of payment processing. However, the company does offer a few additional services that merchants and their customers might appreciate.
Cardinity’s One-Click payment feature allows customers to complete a payment with just one click after a card has been entered into the merchant’s website. The systems stores the customer’s reference ID, and they never have to add their card information again.
This company also offers Delayed Capture for payments. This is a way to delay the capture of the customer’s funds to ensure that the ordered products are in stock and ready to ship. It can reduce the number of chargebacks and refunds the company experiences and adds an additional layer of fraud protection.
Supported Payment Types & Services
Merchants that choose Cardinity as their ISO/MSP will be able to accept the following forms of payment:
Visa and Visa Debit Cards
Visa VPay
Visa Electron
MasterCard and MasterCard Debit Cards
Maestro
Diners Club International
Carte Bleue
Dankort
Nexi (Carta Si)
There is no indication that this company accepts mobile wallet payments or checks/e-checks.
Discloses All Important Terms
No
Public Pricing Available
Unknown
Cardinity advertises a flat rate of 1.35% + €0.25 for EU/EEA cards, but no additional information is given for other types of payments. The company is clear that there are no setup fees and no monthly fees.
The company offers special pricing for merchants processing more than €50,000 per month. Cardinity requires merchants to agree to a rolling reserve of 5% - 10%.
Pricing Model
Flat Rate
Swiped Rate
N/A
Keyed-in Rate
N/A
Mobile Payment Rate
N/A
Virtual Terminal Rate
N/A
Monthly Fee
N/A
Payment Gateway Fee
Undisclosed
Batch Fee
N/A
Early Termination Fee
N/A
PCI Compliance Fee
N/A
Equipment Lease Terms
N/A
Address Verification Service (AVS)
Unknown
Application Fee
N/A
Account Setup Fee
N/A
Gateway Setup Fee
N/A
Annual Fee
N/A
Monthly Minimum
N/A
Statement Fee
N/A
This company is able to provide e-commerce merchants with a payment gateway and integrated merchant account, but it is not clear if they can be obtained separately, or if they have separate contracts.
It seems that the Cardinity contract terms are variable, based on individual merchant risk levels.
Contract Length
Variable
Early Termination Fee
N/A
The Cardinity website does not give any information about how long it might take a merchant to be ready to process payments. It does say that merchants will be contacted within 48 hours regarding the details of their merchant accounts.
There is a process that involves ensuring the merchant’s website meets their requirements, receiving all documentation, and going over the contract’s terms, conditions and prices. Once that has been completed, the merchant will be able to start selling after the integration process has been done.
The Cardinity website has a Contact Us page on its website that includes phone numbers and a contact form for customer service.
BBB Rating
Cardinity does not have a profile on the Better Business Bureau website, therefore the BBB has not rated this company.
Other Online Reviews
There are about 10 complaints available online regarding Cardinity from merchant customers. These complaints mention fund holds, sudden account closures, and slow or unresponsive customer service support.
BBB
N/A
5 Stars / 2 Reviews
No Reviews
Yelp
N/A
Total Online Reviews
10+
Total Online Complaints
Lawsuits
Unknown
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