Cardinity
Payment gateways
Payment software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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What is Cardinity
Cardinity is a payment gateway and card acquiring service that enables businesses to accept online card payments and manage transactions through APIs and a merchant dashboard. It targets e-commerce merchants, SaaS providers, and other online businesses that need card processing with European acquiring. The product supports card payments with features such as recurring billing and tokenization-oriented workflows for storing payment references. It is positioned as a provider that combines gateway functionality with acquiring, rather than acting only as a front-end payment orchestration layer.
Gateway plus acquiring model
Cardinity provides both payment gateway capabilities and card acquiring, which can reduce the need to contract separate providers for processing and connectivity. This can simplify settlement, reconciliation, and support paths compared with setups that require multiple vendors. For merchants operating in Europe, having an EU-based acquirer can be relevant for regional acceptance and operational alignment.
API-first integration options
Cardinity offers API-based integration suitable for custom checkout experiences and server-side payment flows. This approach supports developers who need control over payment logic, error handling, and transaction lifecycle events. It can fit businesses that want to embed payments into their own applications rather than relying only on hosted checkout pages.
Recurring and token-based payments
The platform supports recurring billing use cases and tokenization-style patterns where merchants store payment references instead of raw card data. This is useful for subscriptions, memberships, and saved-card experiences. It can also help reduce the merchant’s direct exposure to sensitive cardholder data when implemented correctly.
Less global breadth than leaders
Cardinity is more regionally oriented than some large, multi-region payment platforms in this category. Businesses needing extensive local payment methods across many countries may require additional providers. This can increase integration and operational complexity for global expansion.
Ecosystem and add-ons vary
Compared with platforms that provide broad built-in capabilities (for example, extensive alternative payment methods, advanced fraud tooling, or deep marketplace payouts), Cardinity’s breadth may be narrower depending on the use case. Merchants may need third-party services for areas like advanced risk management or multi-party payment flows. This can affect total cost and implementation effort.
Fit depends on risk profile
As with most acquirers, underwriting and acceptance can vary by merchant category, geography, and chargeback risk. Some business models may face additional review requirements, reserves, or restrictions. This can impact onboarding timelines and ongoing processing terms.
Plan & Pricing
Pricing model: Pay-as-you-go Free tier/trial: "Free to have" — no setup or monthly fees; merchants pay per transaction. No time-limited free trial is listed on the official site. Example costs:
- EU/EEA card transactions: 1.35% + €0.25 per transaction. (standard pricing shown).
- Cross-border (cards issued outside EU/EEA): an additional cross-border processing fee applies; Turkish-language page lists this as 1.5% for non‑EU/EEA cards.
- Chargebacks: €25 per chargeback (merchant may dispute).
- Reserve: 5% or 10% hold on funds to cover chargebacks (returned if no chargebacks occur).
- Custom pricing: Merchants processing > €50,000 EUR/month are offered special/custom pricing (contact sales). Discount options: Volume / bespoke pricing available by contacting sales for merchants with larger volumes or high-risk businesses. Notes: The Cardinity site currently redirects some English pricing pages to Nomupay (Cardinity is now part of Nomupay); Nomupay/Cardinity also offer tailored Interchange++ and blended pricing structures for larger/enterprise customers.
Seller details
Cardinity UAB
Vilnius, Lithuania
Private
https://cardinity.com
https://www.linkedin.com/company/cardinity/
