Connect
Unified Payments API
Accept Visa, Mastercard, Apple Pay and Google Pay through a single integration. Hosted payment page, drop-in components, raw API or ecommerce plugins.
Payments for EU merchants
Available across 27 EU markets
Where Europe checks out.
One API, transparent pricing from 1.5% + EUR 0.25, and every basis point accounted for. Built exclusively for EU-registered merchants.
Products
Built for performance. Modular by design.
Protect
Fraud, risk & compliance
Native 3DS2, smart exemption handling, fraud scoring for EU traffic and dispute tooling that keeps evidence on schedule.
Boost
Payment performance
Intelligent transaction routing retries soft declines, chooses the best path and helps recover revenue.
Manage
Payment controls
One dashboard for authorizations, refunds, payment activity and reconciliation with clear reporting.
27EU markets supported
97.4%Average authorization rate on EU cards
24/7Platform monitoring
99.99%Platform uptime target
Pricing
One rate. No surprises.
Per-transaction pricing for EU-registered merchants, clearly presented with no hidden platform fees.
- ✓ Visa and Mastercard, consumer and commercial
- ✓ Apple Pay and Google Pay at the same rate
- ✓ 3DS2 authentication and SCA included
- ✓ Cards issued outside the EU
- ✓ Same API and dashboard
- ✓ Dynamic currency conversion available
Merchant eligibilityEU-registered businesses only
Setup and monthly feesEUR 0 - pay only on successful transactions
Payment activityTracked in one dashboard with reconciliation
IssuingNot offered - Cardencer is a payment gateway
Developers
One API. First payment in an afternoon.
Idempotent REST endpoints, signed webhooks and a sandbox that behaves like production. SDKs for the stacks you already run.
curl https://api.cardencer.eu/v1/payments \
-u sk_live_...: \
-d amount=4900 \
-d currency=eur
HTTP/2 201
{
"id": "pay_7Kq2mVfA",
"status": "authorized"
}Humans, around the clock.
- ✓ Phone, chat and email support
- ✓ 24/7 support
- ✓ Detailed documentation
- ✓ Technical integration support
Tools to optimize your checkout.
- ✓ Flexible UI components
- ✓ Pre-built payment forms
- ✓ Accelerated checkout
- ✓ No-code payments
Integrations
Plugs into the platforms you already run.
Official ecommerce plugins and native mobile SDKs - install, add your API key and take your first payment.
WordPress
PluginCheckout blocks, refunds and webhooks from the WordPress admin.
WooCommerce
PluginCards, Apple Pay and Google Pay with synchronized order status.
Magento
PluginAdobe Commerce extension with capture, refunds and multi-store support.
PrestaShop
PluginHosted or embedded checkout with automatic SCA handling.
Shopware
PluginShopware 6 app with per-sales-channel configuration.
OpenCart
PluginA lightweight extension for OpenCart 3 and 4.
iOS SDK
SDKNative Swift components with Apple Pay built in.
Android SDK
SDKKotlin-first SDK with Google Pay and 3DS2 flows.
FAQ
Frequently asked questions
Who can open a Cardencer account?
Businesses registered in one of the 27 EU member states. We verify company registration and authorized representatives during onboarding.
What does Cardencer cost?
Pricing starts at 1.5% + EUR 0.25 for European cards and 3.5% + EUR 0.25 for cards issued outside the EU.
Which payment methods can I accept?
Visa, Mastercard, Apple Pay and Google Pay through the same API.
What is Cardencer?
Cardencer is a payment gateway for accepting payments through one integration and one dashboard.
How does Cardencer handle SCA and PSD2?
Our 3DS2 stack applies eligible exemptions and requests step-up authentication when required.
Which ecommerce platforms are supported?
WordPress, WooCommerce, Magento, PrestaShop, Shopware and OpenCart, plus REST APIs and mobile SDKs.