Cardinity Credit Card Processing 2023: Reviews & Complaints

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Company Overview

Founded in 2007, Cardinity is a merchant account 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. Click2Sell was bought in 2023 by NomuPay. Cardinity is available to all European Union e-commerce merchants, and in February 2021, Cardinity became the Principal Member of MasterCard, a major step up in their influence.

Cardinity Payment Processing

Cardinity processes all major debit and credit cards through online payments for most business types. Its services include access to a payment gateway, recurring billing, 1-click payments, mobile solutions, MOTO payments, and delayed capture options.

Mobile Payments

Recognizing the importance of mobile payments, Cardinity provides the necessary tools for businesses to accept payments through mobile devices like smartphones and tablets. This feature allows companies to offer customers a modern and convenient payment option, improving the overall shopping experience.

E-commerce Integration

Cardinity ensures smooth integration with numerous e-commerce platforms, allowing businesses to easily establish and manage their online stores. The integration process streamlines the online checkout experience, ensuring customers can complete their transactions effortlessly.

Security and Fraud Protection

Cardinity prioritizes transaction security by incorporating advanced fraud protection measures and employing state-of-the-art encryption technology. This approach protects both businesses and their customers from potential fraudulent activities, creating a secure transaction environment.

Recurring Billing

For businesses offering subscription services or requiring recurring payments, Cardinity provides a user-friendly recurring billing feature. This service simplifies the billing process, ensures timely payment collection, and contributes to effective cash flow management.

Customer Support

Cardinity is dedicated to offering outstanding customer support for businesses using their services. With a team of experienced professionals, businesses can rely on prompt assistance and guidance to address any concerns or issues they may face while utilizing Cardinity’s payment processing solutions.

Location & Ownership

Egidijus Andreika is listed as the company’s CEO. UAB Click2Sell is headquartered at Sunrise Valley Science and Technology Park, Sauletekio Ave. 15, LT-10224, Vilnius, Lithuania.

Video Summary

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Table of Contents

  • Costs & Contract: Appears to offer variable contract terms through a bundled payment gateway and…
  • Complaints & Service: Has received fewer than 10 public complaints regarding…
  • BBB Rating: Does not have a profile with the Better Business Bureau at this time but…
  • Sales & Marketing: Does not appear to hire independent sales representatives and has not received any complaints about its…
Cardinity payment processing
Cardinity offers online payment processing services
these processors announce that they now sync with quickbooks

Cardinity Reviews and Complaints

Here's What Their Clients Say

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint
Recent Lawsuits

Various Complaints

We have located nearly 10 negative Cardinity reviews, none of which accuse the company of being a ripoff or a scam. Cardinity has received more than five complaints below this review in the last two years, which is a moderately negative trend. Negative Cardinity reviews primarily describe fund holds, sudden account cancellations, and slow or unresponsive customer service. These complaints are consistent and frequent enough to lower the credit card processor’s score at this time. If you have your own Cardinity review to make, please do so in the comments below.

Cardinity Lawsuits and Fines

We have not found any outstanding class-action lawsuits or FTC complaints filed against Cardinity. However, in 2019 the Supervision Service of the Bank of Lithuania fined UAB Click2Sell for allegedly breaching the requirements set out by the Republic of Lithuania Law on Payment Institutions. The fine was for allegedly illegally holding customer funds outside of credit institutions and providing incorrect information on the balance of customer funds held in such a way. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Cardinity Customer Support Options

Cardinity’s customer support appears to be provided by Click2Sell in both phone and email formats. The company’s complaint record prevents it from being considered a top credit card processor for customer service.

Cardinity Customer Service Number

  • +370 6444 6667 – General Customer Service

Other Support Options

  • Contact form

Cardinity BBB Rating and Report

Our Better Business Bureau Profile Assessment

The Better Business Bureau does not maintain a profile for Cardinity at this time. We therefore will not factor a BBB rating into this review.

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Cardinity Fees and Rates

A Closer Look at the Contract

Don't Fall Into An Expensive Trap. See Who The Worst Processors Are.

Cost Summary

Cancellation Penalties
Monthly & Annual Fees
Processing Rates
Equipment Leasing

Cardinity Pricing

There is very little concrete information to be found about the standard Cardinity contract at this time. The company is capable of offering a payment gateway with an integrated merchant account, but it’s unclear whether clients can purchase these services separately and whether they are governed by separate contracts. The Cardinity website advertises a per-transaction rate of 1.30% plus €0.25 with no setup fees or monthly fees, but it is unclear whether this pricing is all-inclusive. A cross-border fee for payments with cards issued outside of the European Union is assessed on those transactions. The company offers special pricing for merchants processing more than €50,000 per month.

The company claims to serve some high-risk businesses (its prohibited business types can be found here), but it does not address whether such businesses might be subject to higher transaction fees or rolling reserves. Typical reserves held to cover costs like chargebacks are between 5% – 10%.

Some Cause for Concern

We have received multiple complaints from merchants who claim to have had their funds withheld and their accounts unexpectedly deactivated. Typically, these complaints stem from high-risk businesses who use a payment platform without first checking whether their business type is prohibited. However, the frequency of the complaints is high enough to suggest that Cardinity may be imposing more aggressive fraud prevention policies than are common for the industry. Businesses operating in certain high-risk sectors, including online tobacco sales, telemarketing, or timeshares will need to seek their credit card processing elsewhere.

No Pricing Complaints

Cardinity’s listed per-transaction fee is notably lower than those offered by many of its competitors, but it’s possible that the service’s overall cost may negate any per-transaction savings. There are no public client complaints about the company’s fees, so we will assume that most merchants are satisfied with Cardinity’s pricing at this time.

Share What You Know

Business owners are encouraged to inquire about the overall cost of processing payments through Cardinity once the payment gateway fees and merchant account fees are combined. If you have any specific knowledge of the standard Cardinity contract (including any early termination fees or PCI compliance fees), please share that information in the comment section below this review. We also encourage businesses to check out our list of the providers of the best merchant accounts.

Cardinity Jobs and Employment

Hiring Standards and Ethical Marketing Assessment

Audit Your Current Statement To Find Its Hidden Fees

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Key Points

Uses Independent Resellers
Misleading Marketing
Discloses All Important Terms

Cardinity Sales Approach

Cardinity appears to primarily market its services through a referral program and traditional advertising. The company does not appear to utilize independently contracted sales agents, and there are no Cardinity complaints that mention deceptive conduct by its sales team. This compares favorably to our list of best credit card processors.

Transparent Quotes

The Cardinity website promotes a per-transaction rate of “0.25 € + 1.7%,” but the previous presentation of this rate indicated that the company could be advertising a “teaser” rate rather than a realistic rate. We are unable to locate any evidence that this quote is deceptive, so we will assign Cardinity an “A” rating in this category for now. Businesses should still be sure to inquire about the company’s full rate schedule. If you suspect that Cardinity is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden charges.

Cardinity Review Summary

Our Final Thoughts and Opinions

Cardinity rates as an average European e-commerce credit card processing provider according to all available information. The company has received a recent rash of public complaints but appears to offer competitive processing rates. Business owners 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 businesses may prefer to work with a top-rated e-commerce provider.

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Cardinity Competitors

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Customer & Employee Reviews

What Others Are Saying About Cardinity

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19 Responses

  • Frederic Sauvageau

    Cardinity is a SCAM protected by Lithuania regulators.
    They STOLE from me HUGE amount, they DESTROYED my business by blocking EVERYTHING long time ago and I still cannot get my money. They blocked my account in European Center company, everything invoiced and properly sent to customers.
    Cardinity asked everything and it got obvious that they will still my money.

  • Fernando

    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.

    • CPO

      Hi Fernando,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  • A. HICIC.

    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.

    This post will help: Top-Rated Merchant Account Providers


  • Patrycja

    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.

    • CPO

      Hi Patrycja,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  • Oleg

    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.

  • Thomas

    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.

    • CPO

      Hi Thomas,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  • Angela

    They stole my money!

  • Alex

    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!

  • Pantelis Bonis

    !!!!!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!

  • Sergey

    ***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.

    • Fred

      totally agree with you.. the are just collecting money from victims.
      My concern is , why NOBODY does anything to stop them?
      Where is the Lithuanian regulators?
      Never responded.
      That makes us thing a lot..
      It’s not enough to issue licenses as a country if you let these things happen.
      Then you get totally unreliable.
      I never ever trust any card provider, wallet bank etc in lithuania again. I lost ENOUGH from cardinity scam

  • Unhappy Cardinity User

    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

  • Olivia Sandberg

    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.

    • CPO

      Hi Olivia,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  • Asimakis Batsakounas

    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.

  • Faisal Naseer

    Utterly awful service – stay well clear.


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About The Author

Phillip Parker is the creator and author behind this website. He has over 15 years of experience in the credit card processing industry as a journalist, consultant, and former merchant account sales professional. He started this project as a blog to expose merchant services providers that engage in predatory business practices, such as deceptive marketing, misleading pricing, and high-pressure sales tactics. His goal is to help business owners find merchant account providers who serve their industry well while offering fair rates with no junk fees and no long-term commitments.

Phillip has researched over 1,000 payment processors and been quoted in numerous high-profile publications, including the Los Angeles Time, INC Magazine, The Atlantic, and the Miami Herald among others.

Need advice on card acceptance? Schedule a consultation with Phillip.

Phillip’s Top Processor Picks:
Retail, restaurant, e-commerce, mobile, professional services, and invoicing, Phillip recommends Helcim and CDG Commerce.

High-risk businesses, Phillip recommends PaymentCloud and Host Merchant Services.

How Our Ratings Work

Please note that our rating system was overhauled on April 26th, 2023. Reviews dated before this date may not score in accordance with the following.

Star Rating Criteria:

At the start of our research, all processors are awarded five stars. We deduct stars if the processor engages in any of the following:

– One star deduction if the processor has any junk fees.

– One star deduction if the processor does not post its pricing clearly on its website.

– One Star deduction if the processor is suffering from moderate client complaints.

– Multiple Star deductions if a processor is suffering from severe complaints, imposes unjust cancellation fees, markets non-cancellable equipment leases, engages in predatory rate pricing, or may be engaged in illegal activities.

Get all of the details regarding out rating criteria here.

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