Credit Card Merchant Services

Open an Online Merchant Account - Your Road to Higher Profits

Your business is alive, but we can help it thrive.

There is a great possibility that most of your customers use credit cards to make online purchases, and not having an online merchant account means you are digging yourself a hole in the ground from the start.

At Cardinity we offer the most user-friendly and most cost-effective payment method for you and your customers.


What is a Merchant Account and why do you need it?

A merchant account is a special bank account that allows you to accept debit and credit cards on your web shop. It temporarily holds the money paid by your customers until it is transferred to your business account. Once you have set it up, you can receive payments from any corner of the world, irrespective of whether it’s from New Zealand, Peru or Iceland.

In order to get this opportunity, all you need to do is fill in an application form and wait for us to get in touch with you. After your merchant account is set up and your online shop is integrated with Cardinity, you can enjoy doing business.

Cardinity merchant account is provided for e-commerce businesses registered in the EU or EEA. Check our FAQ (What countries does Cardinity operate in?). 


How does it work?

  • 1. Online card payment. A customer makes a purchase using a credit or debit card.
  • 2. Payment authorization. We process the transaction and authorize the payment.
  • 3. Payment transfer. Money is transferred from your customer’s credit card to your online merchant account.
  • 4. From Merchant to your bank account. Within a few days, the money goes straight to your bank account.


Why choose Cardinity?

Lowest rates

There are no monthly or set-up fees, only 1.7% and €0.25 per transaction. Yes, we are probably the lowest payment processor in Europe!

The most user-friendly solution: only ONE contract to sign!

We will guide you through an easy step-by-step process to get your e-commerce business up and running in no time.
You will get your online merchant account and easily connect with your e-commerce shop via the CRD Payment Gateway. We offer you not only the simplest set-up process but also the lowest processing costs and higher profits.

Suitable for any e-business segment

We accept a wide range of e-business segments from "low risk" to even "high risk”. If you sell physical or electronic goods, or provide services online, we are here to help you. There is no business too small for us to work with!
Please check the Prohibited Business List to learn more.


Click Here To Apply For Your Merchant Account Now (No set-up or monthly fees)