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Cardinity Review: Fees, Comparisons, Complaints & Lawsuits

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see who will offer you the lowest pricing and best service

Rating

2.9/5
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Website
see who will offer you the lowest pricing and best service
+370 6444 6667

Most Recent Comment

  • Frederic Sauvageau:
    "Cardinity is a SCAM protected by Lithuania regulators. They STOLE from me HUGE amount, they DESTROYED my business by blocking EVERYTHING lon..." Read More
See All User Comments

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Rating:
2.9/5

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Cardinity Logo
View Pricing
+370 6444 6667

Most Recent Comment

  • Frederic Sauvageau:
    "Cardinity is a SCAM protected by Lithuania regulators. They STOLE from me HUGE amount, they DESTROYED my business by blocking EVERYTHING lon..." Read More
Leave a Comment

European E-Commerce Credit Card Processing

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. Cardinity is available to all European Union e-commerce merchants. 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.

Cardinity 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

Cardinity Review 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

Is the BBB Rating for Cardinity Accurate?

Better Business Bureau Profile

see which processors will offer you the lowest pricing and best service
see who will offer you the lowest pricing and best service

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.

How Expensive is Cardinity?

Rates, Fees, and Contract Terms

This processor offers the lowest rates and best service we've seen

Cost Summary

Flat Rate 1.30% + €0.25
Rolling Reserve 5% - 10%
Early Termination Fee Undisclosed
PCI Compliance Fee Undisclosed
Equipment Lease Terms N/A

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 merchants 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 merchants 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. Merchants 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 merchant 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

Merchants 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 merchants to check out our list of the providers of the best merchant accounts.

Does Cardinity Use Deceptive Marketing?

Advertising & Sales Strategy

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Key Points

Employs Independent Resellers No
Advertises Deceptive Rates No
Discloses All Important Terms No

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. Merchants 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.

Does Cardinity Deserve Your Business?

Review Summary & Our Thoughts

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.

5-Star Rated Cardinity Competitors

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About The Author

Phillip Parker is a Payments Industry Analyst and creator of this blog, CardPaymentOptions.com. Phillip is passionate about researching merchant service providers and payment industry trends. He is often quoted as an expert source in national publications such as INC Magazine, The Los Angeles Times, Entrepreneur, and many others.

“I started this blog because I was disgusted by the business practices of the merchant services industry. I wanted to empower business owners by providing insight on how to avoid shady merchant account providers and costly credit card processing mistakes.” 

Phillip’s Processor Comparisons

Picking a credit card processor can be a headache, but we’ve made it easy. Phillip recommends comparing the best merchant services providers we’ve researched.

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When was the last time you had your rates audited by someone who wasn’t also trying to sell you credit card processing services? We support this website by helping business owners understand how to cut their processing costs, either with a new processor or their current one. Learn more.

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This processor offers the lowest rates and best service we've seen

What Others Are Saying About Cardinity

Customer & Employee Reviews

19 Responses

  1. 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

    Reply

  2. 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.

    Reply

    1. Hi Fernando,

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

      Reply

  3. 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

    Reply

  4. 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.

    Reply

    1. Hi Patrycja,

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

      Reply

  5. 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.

    Reply

  6. 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.

    Reply

  8. 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!

    Reply

  9. !!!!!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!

    Reply

  10. ***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.

    Reply

    1. 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

      Reply

  11. 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

    Reply

  12. 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.

    Reply

  13. 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.

    Reply

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