Cardinity Review


Founded in 2007, Cardinity is a payment processing company that specializes in European businesses and is regulated by the Central Bank of the Republic of Lithuania.

The company offers variable contract terms, has received fewer than 10 public complaints, and does not appear to hire independent sales representatives.

Cardinity offers payment gateway with integrated merchant account, but it is unclear whether merchants can purchase these services separately or whether they are governed by separate contracts. It is also unclear whether it offers special pricing for high-risk merchants.

Cardinity has received complaints from merchants whose accounts have been suspended. These complaints stem from high-risk industries like online tobacco sales and timeshares.

Cardinity offers a lower fee per transaction than many of its competitors, but overall cost may negate any per-transaction savings.

Merchants should ask about the total cost of processing payments through Cardinity, as well as whether early termination fees or PCI compliance fees are included in the contract.

Cardinity has received more than five complaints below this review in the last two years. The complaints describe fund holds, sudden account cancellation, and slow or unresponsive customer service.

We found no outstanding class-action lawsuits or FTC complaints against Cardinity; however, one company was fined in Lithuania for allegedly holding customer funds outside of credit institutions.

Cardinity offers customer support via phone or email and is not a top credit card processor for customer service.

Cardinity is primarily marketed through referrals and advertising, and has no complaints that mention deceptive conduct by its sales team.

Cardinity’s website advertises a per-transaction rate of €0.25 + 1.7%. If you suspect that Cardinity is charging you undisclosed fees, you should seek a third-party statement audit to find and eliminate hidden charges.

Cardinity is a European e-commerce merchant services provider that is offering competitive processing rates, but has been subject to recent public complaints.


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