Cardinity Overview
European E-Commerce Credit Card Processing
Founded in 2007, Cardinity is a merchant account provider and payment gateway provider that exclusively offers e-commerce credit card processing solutions for European businesses. Cardinity is actually a subsidiary service provided by UAB Click2Sell, a Lithuanian payment processing company regulated by the Central Bank of the Republic of Lithuania. Cardinity is available to all European Union e-commerce merchants.
Location and Ownership
Egidijus Andreika is listed as the company’s general director. UAB Click2Sell is headquartered at Sunrise Valley Science and Technology Park, Sauletekio Ave. 15, LT-10224, Vilnius, Lithuania.
Cardinity Review Table of Contents
- Costs & Contract: Cardinity appears to offer variable contract terms through a bundled payment gateway and merchant account.
- Complaints & Service: Cardinity has received fewer than 10 public complaints.
- BBB Rating: Cardinity does not have a profile with the Better Business Bureau at this time.
- Sales & Marketing: Cardinity does not appear to hire independent sales representatives and has not received any complaints about its sales practices.
- Rates & Fees: How Merchants Got The Best Rates With Cardinity
Cardinity Statement Analyzer
Find hidden fees, pricing errors, and overcharges in your Cardinity merchant account statement. Not with Cardinity? That's ok, we can find excessive fees in any credit card processing statement. We've already found $1,156,834 in hidden fees this year! Submit a recent statement to try it out for free!
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Our Opinion of Cardinity
Decent Option for European E-Commerce Businesses
Cardinity rates as an average European e-commerce merchant services provider according to all available information. The company has received a recent rash of public complaints but appears to offer competitive processing rates. Merchants should be sure to ask about all applicable fees that may be charged by both Cardinity and Click2Sell, and to make sure that they are comfortable with Lithuania-based support and service. Other merchants may prefer to work with a top-rated e-commerce provider.
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About Phillip Parker
Thank you for reading my review. I hope that it has helped you with your research.
Why I'm Qualified to Write About Credit Card Processing
I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so built this website to help small business owners research which service providers to use and how to save money on rates and fees. I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers here. I can help you save money with your current merchant account or help you find a new one. Message me here to get started.
Get started right away! I've help businesses save $1,156,834 this year alone! Submit a recent statement and I'll take a look at it for free.
I was looking for a provider which offerred recurring payments and found Cardinity. At the beginning I actually had some problems with integrating the recurring payments but they responded very quickly and helped me solve the problem. Thanks a lot.
Hi Fernando,
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The worst company that I have ever seen not only in payment processing business, in all online businesses. I have more than 20 years experience in online business and I have worked with more than 100 payment processing companies for my different websites and apps. Cardinity is the worst, worst attitude, worst responds, worst support, not trustable at all. If you like your business don’t trust them. There are plenty of other good quality companies that you can work and get the best services. In one word Cardinity is the WORST.
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-Phillip
I’ve just registered with Cardinity and been their new client for two weeks now. Didn’t expect such a quick application and boarding process. We’ve set up everything in 2 days. As for now I am satisfied with the service.
With my previous payment provider I had to wait for a week or two to get my questions answered, and now I get help within several hours or one day. Overall, the price and the services I got are really worth attention.
Hi Patrycja,
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DO NOT USE THIS SERVICE!
Started to work with them last year. In June 2017 after we rejected to give company’s private info they blocked the account and frozen our money for 6month. Than we received money but less for 3660euros. As We asked for the reason Cardinity said that received complaint form MasterCard , but DIDN’T give us any legal document prooving this information. We have asked for it for many times so we could understand and answer to this complaint (if it really exist!!). That just stopped to answer to mails and phonecalls.
I decided to try Cardinity as my provider. At first I had an issue with integrating 3D Secure with my system, but they kindly guided me through the process. I was pleasantly surprised by their quick responsiveness.
Hi Thomas,
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They stole my money!
ITS FRAUD!
The worst service ever. First few weeks everything was ok but after it they swithed off the account wothout notifying!!!1 DO NOT USE THEM!
!!!!!STAY AWAY!!!!!
This is the ultimate fraud!!!
Used it in my e-shop for some months and then when they had to pay-back the payments in my account, they started finding excuses and changing customer care representatives. The first months was Mr. Egidijus Andreika who answered all support emails and then started changing representatives until Mr. Justas Urbonas refused to transfer our account’s funds in our bank accounts until they received proof of delivery of our products to our customers. We sent the delivery notes and packing slips from TNT but still they do not deposit our money to our account!
***DON’T USE THIS SERVICE!!*****
The most awful and dishonest service for card processing.
We made a lot of changes in our T&C and website to make us suitable for their “high standards” but eventually after several transaction they just blocked us with ridiculous reason and statement that they able to hold our money for 180 days in their system.
Support rude as nazis and hate you by default.
I believe that is fraudulent paygate and they don’t operate at all, just collecting money.
Hope special authorities will read this review and do something with this unfair company.
Awful Service, Do not honour agreements they send you to sign. Not professional at all.
Haven’t got phone support, rude when emailing you.
Stay away
I was actually afraid to use Cardinity because it is not a well-known and popular service. What made me consider them seriously was the price. So, I decided to give it a try. What I can say without doubt is that the pricing of 1,7% + 0.25 EUR is all inclusive. I got a merchant account, a free PrestaShop module, API guide. Integration, recurring billing and customer support was free.
If anybody is still wondering, the pricing is the same for both low and high risk merchants. What I really glad to have is a friendly and responsive customer support.
I am satisfied with this payment processor, as I get everything that I need under one roof.
Hi Olivia,
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At first, the information you get as a merchant is VERY limited.
1) You have no clue of when then payments will be paid to your account from their site, and if you contact by email you receive various answers depending on who will answer each time.
2) Rules regarding settlement terms, payout times and other policies change from time to time without any information given even by email.
3) Reservations (10%) from payments are kept for 6 months and are not used in possible refunds.
4) Merchant support is quite “automated” and most of the times the answers are “general” and not regarding each customer’s case.
Utterly awful service – stay well clear.