Cardinity

Cardinity is a payment processing platform that provides reliable and secure payment solutions for businesses of all sizes. It allows businesses to accept online payments from customers worldwide quickly and easily. Users can accept payments through multiple payment methods, including credit cards, debit cards, and digital wallets. This makes it easy for customers to pay with their preferred payment method. Users can track sales data, view transaction histories, and generate invoices with its comprehensive reporting system. Cardinity supports multiple currencies, allowing businesses to accept customer payments in different countries without worrying about currency conversions or exchange rates. 

Cardinity offers tools such as customer data management, split payments, and recurring payments. It eliminates the need for manual data entry, which can be time-consuming and costly. It eliminates the need for additional staff or software solutions, as all features are included within one platform. Cardinity offers fraud protection tools that can help protect businesses from fraudulent transactions by verifying customer information before processing payments. Additionally, the platform utilizes advanced encryption technology to ensure data security and protect customer information from hackers. 

Cardinity Features

Cardinity is a payment gateway that enables businesses to accept payments online. The following are Cardinity’s main features:

Debit and credit card processing

Cardinity allows businesses to accept credit and debit card payments from customers easily. Users can quickly receive money for goods and services through fast, safe, and secure transactions. The payment platform offers low transaction fees, an online dashboard with real-time reporting, and an API integration option for larger organizations. Fraud prevention measures are in place to ensure the security of personal information while accepting payments. 

Subscription billing

Cardinity’s subscription billing feature is a powerful and intuitive platform for businesses to automate recurring payments. It makes it easier for businesses to track their recurring customers and provide them access to various products and services on a rolling basis. Additionally, users can take advantage of the flexible payment options that Cardinity provides, such as allowing customers to use various credit cards or direct debits from their bank accounts. This ensures that customers do not need to manually renew their subscriptions every month, but instead payments will be deducted directly from them automatically. 

Transaction monitoring

Cardinity’s transaction monitoring feature is an invaluable security asset for businesses that accept online payments. It provides an extra layer of protection against fraudulent transactions by using advanced algorithms and analysis to identify suspicious activity. This ensures that actual purchases are approved while fraudulent orders are declined. The system recognizes unusual behavior patterns and alerts the merchants accordingly, so they can take appropriate action. Real-time risk evaluation decreases merchants’ exposure to fraud while providing a safe environment for customers to make payments confidently. This feature also helps meet international compliance standards and reduce PCI scope, making it easier for businesses to comply with all necessary regulations without having to go through a lengthy process.

Invoice management

This feature is compatible with most major eCommerce platforms, including WooCommerce and Shopify. Cardinity helps automate the creation of invoices and allows users to manage and track them efficiently. Users can set up automatic payment reminders for customers who are late in making payments to ensure their payments are collected on time. This clever feature also allows for quick searches, access to important documents, and centralized control of an invoice-related workflow.

One-click payments

Cardinity’s one-click payments allow customers to store their payment information so they can automatically apply it when making future purchases with the same merchant. This convenient feature helps speed up transactions and eliminates the need for customers to repeatedly enter their data for each purchase. Once a customer has authorized their payment information, it is stored in a secure database that is PCI DSS compliant. Additionally, one-click payments are supported by multiple currencies and are available for all major credit cards, as well as Apple Pay and Android Pay.

Card data tokenization

Cardinity’s tokenization ensures that only the merchant can access sensitive data sent during payment authorization requests, ensuring that any third parties cannot steal or access it. These tokens are later used for recurring transactions, simplifying the checkout process for repeat customers and facilitating better security by keeping sensitive card details off-site. This feature helps protect merchants from potential losses due to security breaches or fraud and ensures their customers can receive a seamless payment experience.

Delayed capture

Cardinity’s delayed capture feature ensures users have the necessary funds available before the transaction is completed. This feature allows merchants to hold payments and verify customers’ details while money remains in their account until the goods or services have been delivered. This limits financial liabilities for fraudulent payments, as funds can still be reversed if needed. Additionally, delayed capture can help reduce chargeback frequency. 

3D Secure

Cardinity’s 3D Secure feature is a payment authentication system that adds an extra layer of security to online payments. It improves the existing authorization process by sending customers a one-time code sent through SMS or email that they have to enter in addition to their regular payment credentials. This code acts as an additional measure of validation and assures customers that their payment information is being securely handled. It also prevents fraudsters from using stolen cards, making online transactions much more secure. 

Third-party integrations

Cardinity helps businesses streamline their payment processing operations by providing a secure connection between their system and Cardinity’s platform. This allows customers to complete their transactions quickly and easily without manually entering any information into the system. The integration helps protect customer data by encrypting all sensitive information before transferring it from one system to another. Cardinity integrates with many popular eCommerce platforms, including Shopify and BigCommerce. It also integrates with POS systems like Square, Toast, and Revel Systems and accounting systems like QuickBooks Online and Xero. Users can leverage its APIs to build custom solutions tailored to their requirements.  

Cardinity Benefits

Cardinity is a payment solution platform created to provide businesses of all sizes with convenient and secure eCommerce processing capabilities. It enables companies to access various integrated payment services, such as online credit and debit card payments, international money transfers, and automated recurring billing. Users can expect the following benefits from Cardinity:

Detailed analytics tools

Cardinity offers detailed analytics tools that provide valuable insight into customer behavior, allowing merchants to track customer trends over time to better understand who their customers are and how they interact with the store’s website or mobile app. The merchant can then use this data to improve their product offerings or marketing campaigns to meet customer needs and drive more sales for the business overall.

Cost-effectiveness

Cardinity charges low fees for each transaction, allowing businesses to save money while offering customers multiple payment options. This makes it possible for small businesses with limited budgets to take advantage of this secure payment processor without breaking the bank. Additionally, merchants receive their funds quickly, so they don’t have to wait long before they get paid for each sale they make. 

Secure processing services

Cardinity offers secure processing services that ensure maximum safety for the merchant and the customer during the payment transaction process. This includes advanced encryption methods and tokenizing sensitive data such as credit card and bank account numbers. This ensures that all customer information is kept safe from potential thieves or hackers who might try to access it. Cardinity offers 3D Secure authentication, which helps protect customers against fraudulent purchases by requiring them to enter a unique code provided by their bank before completing the purchase online. The platform uses machine learning algorithms to detect suspicious activities in real-time and alert merchants of any potential fraudulent activity before it occurs, allowing them to take immediate action and reduce losses due to chargebacks or other fraudulent activities. 

Cardinity Pricing

Cardinity’s pricing is based on a percentage-based fee structure; the merchant pays 1.35% plus €0.25 for each transaction as a processing fee. In addition to these standard rates, some additional fees may be charged when using Cardinity’s services, such as a cross-border fee, a chargeback handling fee of €25, and a 5% or 10% reserve. Larger enterprises that process more than €50,000 can contact Cardinity for special pricing.

Conclusion

Cardinity is an efficient, secure solution for merchants accepting payments online. Its highly secure payment gateway integrates easily with mainstream eCommerce platforms, allowing customers to make safe online purchases via various payment methods. Merchants can benefit from the expanded reach of Cardinity’s global payment network, which covers a wide range of currencies and industries. It supports flexible recurring payments, allowing businesses to set up subscription payments with minimal effort. Furthermore, all information is safely transmitted and stored in accordance with industry standards, and customers are given a high level of security when making payments online. Cardinity is ideal for businesses looking to streamline their online payment process while providing a secure experience for customers.