No Hidden Fees: Clear pricing with no hidden costs.
Recurring Payment Issues: Some difficulties reported.
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.
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.
We have discovered nearly 10 negative Cardinity reviews, with none accusing the company of being a ripoff or engaging in scam practices. Over the past two years, Cardinity has received more than five complaints below this review, indicating a moderately negative trend. Common grievances in these negative reviews revolve around fund holds, sudden account terminations, and slow or unresponsive customer service. These consistent and frequent complaints have impacted the credit card processor’s current rating. If you have your own feedback or review of Cardinity, we encourage you to share it in the comments below.
Cardinity Legal Issues and Penalties
While no significant class-action lawsuits or FTC complaints have been found against Cardinity, in 2019, the Supervision Service of the Bank of Lithuania fined UAB Click2Sell for alleged breaches of the Republic of Lithuania Law on Payment Institutions. The fine stemmed from purportedly holding customer funds illegally outside of credit institutions and providing incorrect information about the balance of customer funds. Clients who are dissatisfied with Cardinity and wish to address concerns outside of litigation are encouraged to report issues to the relevant supervisory organizations.
Cardinity Customer Support Options
Cardinity’s customer support is reportedly managed by Click2Sell and is available through both phone and email channels. The company’s complaint track record currently falls short of the standards expected for being recognized as a top credit card processor for customer service.
Cardinity Online Ratings
Here's How They Rate Online
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.
Cardinity Fees, Rates & Costs
A Closer Look at The Contract
Rates & Fees Summary
Cancellation Penalties
Undisclosed
Monthly & Annual Fees
Undisclosed
Processing Rates
Variable
Equipment Leasing
N/A
Cardinity Pricing
There is limited information available about the standard Cardinity contract at present. While the company offers a payment gateway with an integrated merchant account, it’s unclear if clients can procure these services separately or if they are governed by distinct contracts. The Cardinity website displays a per-transaction rate of 1.30% plus €0.25 with no setup or monthly fees advertised, yet it remains uncertain if this pricing is comprehensive. Additionally, a cross-border fee is levied on transactions involving cards issued outside the European Union. Special pricing is available for merchants processing over €50,000 per month.
The company serves some high-risk businesses (a list of prohibited business types can be found here), but it does not clarify if such businesses might face higher transaction fees or rolling reserves. Typical reserves held for covering expenses like chargebacks range between 5% – 10%.
Some Cause for Concern
We have received multiple complaints from merchants who allege that their funds were withheld and their accounts deactivated unexpectedly. These complaints primarily originate from high-risk businesses that utilize a payment platform without verifying if their business type is prohibited. However, the frequency of these complaints suggests that Cardinity may enforce more stringent fraud prevention policies than industry norms. Businesses in specific high-risk sectors, such as online tobacco sales, telemarketing, or timeshares, may need to seek credit card processing elsewhere.
No Pricing Complaints
Cardinity’s listed per-transaction fee is notably lower than many competitors’, yet it’s plausible that the service’s overall cost could offset any per-transaction savings. There are no publicly available complaints about the company’s fees, implying that most merchants are content with Cardinity’s pricing for now.
Share What You Know
Business owners are advised to inquire about the overall cost of processing payments through Cardinity once the payment gateway fees and merchant account fees are amalgamated. If you possess 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 explore our list of the best merchant accounts.
Cardinity Employee Reviews & Sales Tacitcs
Should You Work For Them?
Jobs & Marketing Summary
Uses Independent Resellers
No
Telemarketing
No
Misleading Marketing
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. 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.
Our Cardinity Review Summary
Our Final Thoughts
Cardinity is emerging as a noteworthy e-commerce credit card processor in Europe, yet it draws mixed reviews, particularly concerning its service quality and contractual clarity. Founded in 2007 and operating as a subsidiary under UAB Click2Sell, Cardinity offers specialized merchant account and payment gateway solutions, primarily to EU-based online businesses. Despite achieving significant milestones, such as becoming a Principal Member of MasterCard in 2021, Cardinity faces a growing volume of public complaints. These complaints frequently address issues like fund holds, sudden account terminations, and inadequate customer support, signaling potential systemic problems within the company’s operations that could affect its clientele adversely.
European e-commerce merchants considering Cardinity for their payment processing needs should proceed with caution. It is crucial for business owners to thoroughly review and understand all contractual terms offered by Cardinity to avoid unexpected challenges. Since details on contract specifics remain limited and the company’s promotional rates might not fully disclose the actual costs incurred, potential clients should seek comprehensive disclosures about all fees, terms, and conditions associated with Cardinity’s services. This careful approach will help mitigate risks associated with unclear contract terms or potential service issues, ensuring a more secure and beneficial partnership for their e-commerce operations.
Contact Cardinity
Contact & Customer Support
CEO
Egidijus Andreika
Address
Sunrise Valley Science and Technology Park, Sauletekio Ave. 15, LT-10224, Vilnius, Lithuania.
General Customer Service
+370 6444 6667
Testimonials & Complaints
How Did Cardinity Treat You?
19 User Reviews
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.
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.
Sharing your experience influences our rating and helps other business owners make informed decisions. Promotional content and contact information will not be published. Please provide a detailed summary of your experience.
Any unauthorized copying and reproduction of the content of this page, including all meta data and computer code, is strictly prohibited. While the information in the above article is believed to be accurate as of its publish date, the author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is,” and without warranties. Any and all use of trade names and/or marks are for identification purposes only and shall not be construed as a claim of affiliation, or otherwise, with CardPaymentOptions.com, Inc. ("CPO") in any form. The sole purpose of the material presented herein is to alert, educate, and inform readers. It is not intended as legal or financial advice. We may earn revenue if you obtain services from a provider that we recommend. See this page to learn how we support our operations.
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.