Cardinity - Payment Gateway Integration Plugin

Cardinity is a secure and reliable online payment gateway designed for businesses looking to accept one-time payments through their websites or applications. It supports a wide range of industries and offers seamless integration with e-commerce platforms. With a focus on European markets, Cardinity ensures compliance with the latest financial regulations and provides robust tools for fraud prevention and dispute management.

Cardinity – Secure and Simple Payment Processing for Europe

Description and Features

Cardinity is a powerful payment gateway tailored for businesses of all sizes—from startups to enterprise-level operations. It is especially suitable for merchants operating in Europe who need a reliable and compliant solution for accepting card payments online.

• Seamless integration with Osclass Pay Plugin (v4.1 or higher) for easy setup.
• Supports one-time payments only, ideal for product sales and service bookings.
• Designed for European merchants, ensuring full PSD2 and PCI DSS compliance.
• Built-in fraud prevention tools including 3D Secure and risk scoring.
• Dispute and chargeback management tools to help merchants handle conflicts efficiently.
• Supports multi-currency transactions, allowing businesses to sell internationally.
• Real-time transaction monitoring and reporting dashboard.
• Fast and secure settlement process with transparent timelines.
• Mobile-friendly checkout experience for better conversion rates.
• Customizable payment forms to match your website branding.
• Recurring billing not supported, ensuring simplicity and clarity in payment flows.
• Suitable for e-commerce, digital services, freelancers, and SMEs.
• Offers technical support and detailed documentation for developers.
• No setup fees and competitive transaction pricing.
• Merchant onboarding process is streamlined and efficient.

Supported Payment Methods

Cardinity supports a variety of popular and regionally relevant payment methods, making it easy for customers to pay using their preferred option:

• Card payments: Visa, Mastercard, Maestro
• Bank transfers: SEPA (Single Euro Payments Area)
• Mobile payments: Apple Pay, Google Pay (via card tokenization)
• Local European solutions: Sofort, iDEAL, Giropay
• Digital wallets: Supported indirectly via card processing

Pricing and Fees

Cardinity offers a transparent pricing model:

• Transaction fee: 1.3% + €0.25 per transaction
• No setup or monthly fees
• Chargeback fee: €25 per case
• Settlement: Weekly or bi-weekly, depending on merchant agreement

Note: Fees may vary based on business type and risk level. Always confirm with Cardinity directly.

Currencies

Cardinity supports a wide range of currencies, making it suitable for international sales. Supported currencies include:

• EUR, USD, GBP, CHF, NOK, SEK, DKK
• PLN, CZK, HUF, RON, BGN, HRK
• AUD, CAD, JPY, ZAR, TRY, MXN

Please verify currency compatibility on the official Cardinity website for the most up-to-date list.

Regions and Countries

Cardinity primarily operates in Europe, but also supports merchants in other regions under specific conditions. Supported countries include:

• Europe: Lithuania, Latvia, Estonia, Germany, France, Netherlands, Belgium, Austria, Spain, Italy, Poland, Czech Republic, Slovakia, Hungary, Romania, Bulgaria, Croatia, Sweden, Norway, Finland, Denmark, Ireland, Portugal
• Other regions: Canada, Australia, South Africa, Japan, Turkey, Mexico

Note: Cardinity is not available worldwide. Merchants must be registered in supported countries. Always verify eligibility on the official website.

High Risk Payments and Adults Content

Cardinity does not support adult content or high-risk industries such as gambling, cryptocurrency trading, or pharmaceuticals. It is best suited for low to medium-risk businesses such as e-commerce, digital services, and professional services. Merchants in restricted categories should consider alternative gateways.

References

• Homepage: https://cardinity.com/
• Dashboard (Production & Sandbox): https://my.cardinity.com/
• Documentation: https://developers.cardinity.com/

Cardinity is a robust and secure payment gateway ideal for European businesses seeking a simple, compliant, and cost-effective solution for accepting online payments. With strong fraud protection, multi-currency support, and transparent pricing, it’s a great choice for small to medium-sized merchants. Its seamless integration with Osclass Pay Plugin makes it a perfect fit for Osclass-based classifieds websites looking to monetize effectively without the complexity of recurring billing.