Cardinity Overview

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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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Products & Services Offered

  • Debit and credit card processing
  • Recurring billing
  • Multi-currency support
  • Online payment gateway
  • Online invoicing
  • Third-party software integration

Types of Businesses Served

  • E-commerce
  • International

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Cardinity Rates, Fees, and Costs

Key Points

Flat Rate 1.3% + €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 1.3% 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.

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Response from Cardinity

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Cardinity Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

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. Complainants primarily describe fund holds, sudden account cancellation, and slow or unresponsive customer service. These complaints are consistent and frequent enough to lower the credit card processor’s score at this time.

Cardinity Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against Cardinity. 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.

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Response from Cardinity

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Cardinity BBB Rating Summary

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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Response from Cardinity

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Truth In Marketing & Advertising

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.

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.

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Response from Cardinity

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Cardinity Marketing Example

Cardinity Logo

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.

We rely on your feedback about Cardinity to keep this review accurate and up-to-date. Please take a minute to tell us about your experience. We and the small business owners of this world thank you!

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.

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17 Reviews Leave Your Review for Cardinity Below

  1. Fernando says:

    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.

    1. Phillip says:

      Hi Fernando,

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

  2. A. HICIC. says:

    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


  3. Patrycja says:

    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.

    1. CPO Admin says:

      Hi Patrycja,

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

  4. Oleg says:

    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.

  5. Thomas says:

    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.

    1. CPO Admin says:

      Hi Thomas,

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

  6. Angela says:

    They stole my money!

  7. Alex says:

    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!

  8. Pantelis Bonis says:

    !!!!!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!

  9. Sergey says:

    ***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.

  10. Unhappy Cardinity User says:

    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

  11. Olivia Sandberg says:

    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.

    1. CPO Admin says:

      Hi Olivia,

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

  12. Asimakis Batsakounas says:

    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.

  13. Faisal Naseer says:

    Utterly awful service – stay well clear.

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