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Cardinity Credit Card Processing 2023: Reviews & Complaints
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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.
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.
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.
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.
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.
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 Customer Reviews
Here's What Their Clients Say
|Total Online Complaints||<10|
|Live Customer Support||Yes|
|Most Common Complaint||N/A|
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 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
|Monthly & Annual Fees||Undisclosed|
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 Employee Reviews & Sales Tacitcs
Should You Work For Them?
|Uses Independent Resellers||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.
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.
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