Overview
In this review of MerchantPlus, we'll provide an in-depth look at this merchant account provider, focusing on key areas like rates and fees, contract terms, and customer experiences. We will assess their payment processing services, including mobile and e-commerce solutions, and examine their security measures and fraud protection. We also evaluate the effectiveness of their recurring billing system and the quality of their customer support. Insights into the company's location, ownership, and legal standing, including the Visa & MasterCard lawsuit settlement, are provided. We conclude with a balanced perspective, highlighting the pros and cons based on customer and employee feedback, giving readers a comprehensive understanding of what to expect from MerchantPlus.
About Cardinity
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.
![](https://www.cardpaymentoptions.com/wp-content/uploads/2024/07/Cardinity-homepage.webp)
Cardinity Products and Services
Payment Processing
Cardinity handles online payments for all major debit and credit cards, catering to a variety of business types. Their offerings include access to a payment gateway, recurring billing, 1-click payments, mobile solutions, MOTO payments, and delayed capture options.
Mobile Payments
Cardinity provides tools for businesses to accept payments via mobile devices such as smartphones and tablets.
E-commerce Integration
Cardinity integrates smoothly with numerous e-commerce platforms, helping businesses to establish and manage their online stores effectively. This integration facilitates a streamlined checkout process.
Security and Fraud Protection
Cardinity places a strong emphasis on security by using advanced fraud protection measures and state-of-the-art encryption technology.
Recurring Billing
Cardinity offers a recurring billing feature for businesses that provide subscription services or require regular payments.
Customer Support
Cardinity provides comprehensive customer support through a team of experienced professionals. Businesses can expect prompt assistance and guidance for any issues or concerns related to Cardinity’s payment processing solutions.
![Cardinity payment processing](https://www.cardpaymentoptions.com/wp-content/uploads/2021/07/cardinity-payment-processing.png)
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.
BEWARE AND DONT EVEN THINK OF THEM
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
-Phillip
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
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.
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!
ITS FRAUD!
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.