About Cardencer

Cardencer is the payment gateway built exclusively for EU-registered merchants — one API, local European acquiring, and pricing where every basis point is accounted for.

What we do

We give European businesses a single technical integration to accept Visa, Mastercard, Apple Pay and Google Pay online. Behind that integration sits a network of licensed European acquiring partners, intelligent routing, and a settlement pipeline that pays out to any SEPA account the next business day.

What we are — and what we are not

Cardencer is a technical service provider: a payment gateway. We are not an authorized payment institution, bank, or e-money institution, and we never hold your funds. Regulated payment services — acquiring, safeguarding, and settlement of funds — are performed by our licensed partner payment institutions. You get one integration and one dashboard; the regulated rails underneath are operated by authorized institutions.

Why EU-only

Focus is the product. By serving only EU-registered merchants we can handle PSD2 and SCA natively, optimise authorization rates per market, and keep pricing simple: from 1.5% + €0.25 per transaction on European cards, with no setup or monthly fees.