Cardinity is a licenced payment service provider that allows your online store to receive payments from all around the world.
It offers a plethora of services, such as recurring billing, one-click payments, mobile payments, and more. Initially, it started operating in Lithuania, and it later expanded to a multitude of countries in the European Union.
Cardinity is:
- Registered on VISA Europe
- A principal member of MasterCard International
- PCI-DSS Level 1 Service Provider certified
Sections
Prices/Fees
Cardinity is free to have and use. There are no one-time or recurring charges, and the cost of setup, incorporation, and other helpful features, as well as any security measures are free of charge.
However, there are certain payment processing fees:
- 1.35% plus €0.25 per transaction for EU and EEA cards.
- For credit or debit cards issued outside the EU or EEA, an additional cross-border charge will be applied.
- There is a cost of 25 euros associated with every chargeback, but you do have the option to challenge the amount that was charged. It’s important to keep in mind that Cardinity is not responsible for any chargebacks that are obtained by retailers.
- A hold equal to 5% or 10% of the total purchase price will be placed on it. If there are no chargebacks, they will return the entire amount to you.
Online Payments
Accept Payments and Payouts
When it comes to payouts, Cardinity will work with you to determine the payment schedule that works best for you.
Customers from all over the globe are able to make their purchases using any currency they choose, as well as the most common credit and debit cards. Cardinity accepts VISA, MasterCard, Carte Bleue, Maestro, and several other credit cards.
Payment Gateway
For online retailers who want to accept cards from consumers located anywhere in the world, Cardinity offers a dependable solution that meets all of their needs. Furthermore, it provides all of the necessary safety precautions to make online shopping uncomplicated and risk-free.
What exactly is a payment gateway? A payment gateway links your online store to your receiving bank (and your merchant account) via the following process:
- At the checkout, a customer puts in his personal and card information and decides to pay with a credit or debit card.
- Your site secures the information about the customer and sends it to the server.
- The info goes through the payment processor and the card issuers (Visa and MasterCard) until it gets to your customer’s issuing bank for permission.
- The answer that the transaction has been accepted and authorised is sent to your website by the payment gateway.
- The order is made, and the money moves from the bank account of your customer to your business account.
Merchant Account
A merchant account is a specialised bank account that is utilised to receive credit card payments from your clientele. To open your merchant account, you need to complete the application and submit it. After submitting your application, you will receive an email from Cardinity with the next steps to take. The entire process might take up to two days, on average.
Benefits:
- Cardinity is a business account, a payment processor, and an acquiring bank all rolled into one convenient package.
- Quick and uncomplicated.
- Only one business arrangement needs to be signed. You can look forward to a streamlined departure process and attentive customer assistance.
- You won’t have to spend anything until a consumer purchases on your website. It costs nothing to start up and maintain. There are no secret, monthly, or additional costs.
- Safety and security of your financial dealings.
- Cardinity possesses a PCI-DSS Level 1 Service Provider certification.
Global Payments
In addition to working with governmental organisations, Cardinity also collaborates with private limited firms, public corporations, joint stock companies, and other partners. Cardinity Global Payments can be a solid financial option for merchants who offer products or services online and need to receive money from overseas consumers.
You can begin generating international purchases through your website within the next 48 hours after opening a merchant account with Cardinity. No stacks of papers, only one agreement needs to be signed.
Your clients have the option of paying with the most common credit and debit cards used both locally and internationally, as well as other payment methods, such as mobile payments and MO/TO terminal.
Mobile Solutions
Cardinity provides online businesses with a mobile payment solution that is dependable, in addition to being simple to set up. Cardinity is adaptable to all mobile devices, which is a practical approach to purchasing.
All of the major credit and debit cards are accepted, giving your customers the option to pay in any currency they choose. You will be able to access the money at any moment and in any location. Only one click is required for payments.
There are two methods for taking payments via mobile device, and you can pick the option that best meets your requirements. You could also implement both.
1. Your Existing Application
If you already have a mobile application for Android or iOS, the all-in-one mobile solution offered by Cardinity makes it easy to incorporate that application with the platform. The vast majority of debit and credit cards currently in use will be accepted as methods of payment by your customers.
If you tokenize your users’ credit card information securely, they won’t have to input their card details each time they make a transaction in your app.
2. Your Online Store
You can accept purchases made with mobile devices by utilising Cardinity’s streamlined purchasing form. If a consumer visits your online store from their mobile device and selects to pay with a card, they will be redirected to an external checkout website to complete their purchase.
You won’t have to do anything on your end because the purchasing form that Cardinity provides is already optimised for use on mobile devices, like smartphones and tablets.
Recurring Payments
Using the Cardinity recurrent payment system, merchants can automatically charge the consumers’ credit cards for the products or services they provide in the form of memberships and subscriptions. The predetermined quantity will be charged automatically, and you won’t have to bother reminding your clients.
You can provide customers with a variety of payment options for product or content subscriptions, various memberships, SaaS products, subscription boxes, and contributions.
One-Click Payments
For registered users who often make purchases, the one-click card payment system offered by Cardinity is a time-saving and handy option. After the initial purchase, a buyer will only need to click once to complete the payment process. Additional transactions will be completed immediately, and there is no need for customers to repeatedly provide their credit card information.
3D Secure
Cardinity provides users with an additional degree of protection against unauthorised card use at no additional cost. With 3D Secure, customers can input a personal security code to validate that they are the legitimate cardholder. This window is also known as 3D Secure Authentication.
By using 3D Secure, your customers’ trust in your online store will increase as they will feel more at ease making purchases there. Moreover, the implementation of 3D Secure has dramatically cut down on internet scams.
Integrations
The most common purchasing carts and e-commerce platforms are optimised to work flawlessly with Cardinity’s free components, which are also precisely optimised. Cardinity integrates with Magento, Shopify, and other e-commerce platforms as shown in the image above.
Moreover, Cardinity offers assistance to make sure that the incorporation of your Android or iOS app with the Cardinity system goes as smoothly as possible. Their website provides unrestricted access to all of the components, including the documentation for them.
API
The Cardinity digital interface offers seamless integration with the industry’s most widely used e-commerce platforms. They will walk you through the procedure and provide you with components that are already prepared for installation. Cardinity provides developers with an API guide that is intuitive and easy to understand, as well as essential documentation.
Extra Care On Customer Support
The following link will redirect you to Cardinity’s help center where you can browse to find your answers.
You can contact Cardinity by sending an inquiry or by phone. Click here to see the contact details.
Company History
Cardinity is an authorised financial transaction company accessible for use by EU retailers. 2007 marked the beginning of operations, with more than a decade of offering online financial services. In addition to Cardinity’s work as a payment gateway, the company also performs the functions of an acquiring bank.
The Central Bank of the Republic of Lithuania is in charge of supervision and regulation. The city of Vilnius, in the Baltic country of Lithuania, is home to their headquarters.
Cardinity is a principal partner of MasterCard International and is also recognised by the VISA Europe organisation, making it a reliable payment service provider.
User Reviews
The following is a list of Cardinity’s user ratings:
- G2: 3.8 out of 5 stars
- Software Advice: 5 out of 5 stars
- Capterra: 5 out of 5 stars
- Trustpilot: 3.3 out of 5 stars
The average score, according to these user ratings, is 4.26 out of 5 stars.
Cardinity User Reviews
Review Summary
Recent Reviews
There are no reviews yet. Be the first one to write one.