Products
Unified Payments API
Accept Visa, Mastercard, Apple Pay and Google Pay through a single integration. Hosted payment page, drop-in components, the raw API — or one-click plugins for WordPress, Magento and PrestaShop.
Fraud, risk & compliance
Native 3DS2 with smart exemption handling, machine-learned fraud scoring tuned on EU traffic, and dispute tooling that files evidence before the deadline does.
Payment performance
Intelligent routing across our European acquiring partner network retries soft declines, picks the best path per BIN, and recovers revenue you didn't know you were losing.
Money movement controls
One dashboard for authorizations, settlement and reconciliation. T+1 payouts in euros to any SEPA account, with a ledger your finance team will actually trust.
27
EU markets with local acquiring
97.4%
Average authorization rate on EU cards
T+1
Settlement to your SEPA account
99.99%
Platform uptime, measured not promised
Pricing
Per-transaction pricing for EU-registered merchants. Interchange, scheme fees and acquiring are all in — nothing hidden in the settlement report.
1.5% + €0.25
Starting from · per successful transaction
3.5% + €0.25
Starting from · per successful transaction
Developers
Idempotent REST endpoints, webhooks for every payment event, and a sandbox that behaves exactly like production. SDKs for the stacks you already run.
curl https://api.cardencer.eu/v1/payments \
-u sk_live_9f2c...: \
-H "Idempotency-Key: ord_58211" \
-d amount=4900 \
-d currency=eur \
-d source=tok_visa_fr \
-d capture=true
HTTP/2 201
{
"id": "pay_7Kq2mVfA",
"status": "authorized",
"scheme": "visa",
"region": "eu",
"fee": { "rate": "1.5%", "fixed": "0.25" }
}Support
Checkout tools
Why EU-only
We onboard EU-registered merchants only — and that focus is the product. Local acquiring in every EU market through licensed partner institutions, PSD2 and SCA handled natively, settlement in euros the next business day. No issuing, no distractions: one gateway for accepting payments, done properly.
“We switched from a global PSP and our authorization rate went up four points in the first month. The settlement file finally matches the dashboard — to the cent.”
Head of PaymentsEuropean fashion marketplace
Integrations
Official plugins for the major ecommerce platforms and native SDKs for mobile — install, paste your API key, take your first payment.
One plugin for WordPress and WooCommerce — checkout blocks, refunds and webhooks from the WP admin.
Cards, Apple Pay and Google Pay at checkout, with order status synced to payment events.
Adobe Commerce extension with full and partial capture, refunds and multi-store support.
Native module with hosted or embedded checkout and automatic SCA handling.
Shopware 6 app with rule-based payment display and per-sales-channel configuration.
Lightweight extension for OpenCart 3 and 4 — live in a single afternoon.
Native Swift components with Apple Pay built in — PCI scope stays with us, not your app.
Kotlin-first SDK with Google Pay, 3DS2 challenge flows and drop-in payment sheet.
FAQ
Businesses registered in one of the 27 EU member states. We verify company registration, beneficial ownership and a SEPA bank account during onboarding — most merchants are approved and live within days. We do not onboard merchants registered outside the EU.
Pricing starts at 1.5% + €0.25 per transaction for cards issued in the EU, and 3.5% + €0.25 for cards issued outside the EU. There are no setup fees, no monthly fees and no minimums — you pay only on successful transactions. High-volume merchants get custom interchange++ pricing.
Visa and Mastercard — consumer, commercial, debit and credit — plus Apple Pay and Google Pay at the same rate as the underlying card. All methods run through the same API and settle together.
No. Cardencer is a technical service provider — a payment gateway. Regulated payment services, acquiring and settlement of funds are performed by our licensed partner payment institutions. You get one integration and one dashboard; the regulated rails underneath are run by authorized institutions.
No. Cardencer is a payment gateway for accepting payments only. We don't issue cards, and we don't plan to — our roadmap is entirely about accepting payments better for EU merchants.
Settlement is T+1: funds from yesterday's payments arrive in your SEPA bank account the next business day, in euros, with a reconciliation file that matches the dashboard to the cent.
Natively. Our 3DS2 stack applies exemptions (low-value, TRA, recurring) automatically where risk allows, and steps up only when the issuer requires it — compliance without killing conversion.
The hosted payment page takes under an hour. A full API integration with webhooks typically ships in a few days — the sandbox is identical to production, and every account gets a named integration engineer.
Official plugins for WordPress / WooCommerce, Magento, PrestaShop, Shopware and OpenCart — install, paste your API key, and start accepting payments. Anything else connects through the REST API or hosted payment page.