Terms of Service

Last updated: 2026. This is a template — have it reviewed by legal counsel before going live.

1. Who we are

Cardencer provides payment gateway technology to EU-registered merchants: APIs, checkout tools, dashboards, fraud screening and reporting (the “Services”). Cardencer is a technical service provider and is not an authorized payment institution, credit institution, or e-money institution. Cardencer does not hold, control or safeguard merchant funds.

2. Regulated payment services

Merchant acquiring, processing and settlement of funds are provided by licensed partner payment institutions under a separate agreement between you and the relevant institution. Your use of the Services is conditional on acceptance by, and continued good standing with, such an institution.

3. Eligibility

The Services are available only to businesses registered in an EU member state. You must provide accurate onboarding information and keep it up to date.

4. Fees

Per-transaction fees are set out on our pricing page or in your merchant agreement. Fees are charged only on successful transactions unless otherwise agreed.

5. Acceptable use

You may not use the Services for prohibited or illegal activity, including categories restricted by card scheme rules or by the partner institution's policies.

6. API keys and security

You are responsible for keeping API keys confidential. Anything done with your keys is deemed done by you. Notify us immediately of any suspected compromise.

7. Liability

The Services are provided “as is” to the extent permitted by law. Cardencer's aggregate liability is limited to the fees paid for the Services in the preceding 12 months.

8. Termination

Either party may terminate with notice as set out in the merchant agreement. Sections that by nature survive termination do so.

9. Contact

Questions about these terms: legal@cardencer.eu.