About Cardencer

Cardencer is the payment gateway built exclusively for EU-registered merchants — one API and transparent 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, with intelligent routing, fraud controls and clear reporting in one dashboard.

What we are

Cardencer is a payment gateway. You get one integration and one dashboard for your online payment activity.

Our banking partner

Cardencer provides the technology: API, checkout, 3DS2, routing and reporting. Card acquiring is provided by our partner bank, connected through the Cardencer gateway. Merchant onboarding checks, such as company registration and authorized representatives, are carried out together with our partner bank.

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.