Compliance

Cardencer provides payment gateway technology for businesses registered in the European Union.

Regulatory status

Cardencer provides payment gateway technology: APIs, checkout tools, fraud screening, routing, dashboards and reporting.

PSD2 and Strong Customer Authentication

Our 3DS2 stack implements SCA under PSD2, applying exemptions (low-value, transaction risk analysis, recurring) where applicable, and stepping up when the issuer requires it.

PCI DSS

Cardencer's gateway platform is assessed as a PCI DSS Level 1 service provider. Using our hosted payment page, drop-in components or mobile SDKs keeps card data out of your systems and minimises your PCI scope (SAQ A).

Account verification

Business registration, authorized representatives and beneficial ownership may be verified during onboarding.

Data protection

Cardencer processes personal data in accordance with the GDPR. See our Privacy Policy for details on what we process and why.