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12 Cardinity Alternatives for Android, Ranked (2026)

Explore 12 alternatives to Cardinity — vetted by our editors with real user reviews, pricing, and feature comparisons.

12 top Cardinity alternatives, compared

Quick answer

The Cardinity alternatives worth knowing first are Authorize.Net, MultiSafepay and Global Payments. Authorize.Net earns the top SpotScore (9.3) and a 3.7★ rating. See how all 12 stack up on score, rating, and price below.

Cardinity works for plenty of teams, but it isn't the only choice. If price, features, or the learning curve are pushing you to switch, these 12 payment gateway software alternatives are the strongest replacements. We rank by SpotScore, a blend of real-user satisfaction and market presence, alongside ratings and pricing. Start with the table, then read each breakdown.

ProductSpotScoreRatingPricingBest for
Authorize.NetSecure payment solutions for your business.9.3★★★★ 3.7(319)from $25/moteams of all sizes
MultiSafepaySecure payments made easy for online merchants.8.5★★★★ 4.4(243)Quotation Basedteams of all sizes
Global PaymentsTransforming payment processing for seamless transactions.★★★★ 4.2(4)Quotation Basedteams of all sizes
PayPalEasy, secure payments at your fingertips.9.8★★★☆☆ 2.6(3820)Quotation Basedteams of all sizes
PayoneerEffortless payments for global businesses.9.3★★★★ 4.1(8904)Quotation Basedteams of all sizes
RazorpayStreamline your payments with ease.9.1★★★★ 3.8(34)Quotation Basedteams of all sizes
2CheckoutStreamline your payments with 2Checkout.9.1★★★★ 3.8(813)Subscription · Quotation Basedteams of all sizes
BlueSnapStreamline your online payments with ease.8.9★★★☆☆ 3.3(136)Subscription · Quotation Basedsmall & mid-size businesses
Paytm Payment GatewaySeamless integration, customizable alerts, effortless payments.8.9★★★★★ 4.5(132)Quotation Basedteams of all sizes
AdyenPowering global payments with ease.8.8★★★★ 4.3(9)Quotation Basedteams of all sizes
Tap2PayStreamline online payments with secure convenience.8.8★★★★ 3.7(11)Subscription · Quotation Basedteams of all sizes
AlipayEffortless payments for your business's success.8.7★★★★ 3.5(6)Quotation Basedteams of all sizes

9.3

SpotScore

Authorize.Net - Payment Gateway Software

Authorize.Net

Secure payment solutions for your business.

Best for: SMB teams · Mid-market · Enterprise

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What is Authorize.Net?

Authorize.Net is a payment gateway for businesses that process credit card and electronic check payments on websites and mobile apps, with broad support for major e-commerce platforms and accounting integrations. It carries a monthly gateway fee ($25-$99 depending on plan) plus per-transaction ...

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Authorize.Net offers custom pricing plan

8.5

SpotScore

MultiSafepay - Payment Gateway Software

MultiSafepay

Secure payments made easy for online merchants.

Best for: SMB teams · Mid-market · Enterprise

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What is MultiSafepay?

MultiSafepay is a payment gateway for European online merchants — particularly those on Magento — that need access to a wide range of payment methods including cards, buy-now-pay-later options, and regional European instruments. Its Magento plugin is well-regarded by Dutch e-commerce merchants, ...

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MultiSafepay offers custom pricing plan

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Global Payments - Payment Processing Software

Global Payments

Transforming payment processing for seamless transactions.

Best for: SMB teams · Mid-market · Enterprise

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What is Global Payments?

Global Payments offers full-service, in-house, state-of-the-art Payment Processing Software that's been designed to simplify credit card processing through one central solution. Its comprehensive feature set provides easy access controls and reconciliation for merchants' businesses while ...

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Global Payments offers custom pricing plan

9.8

SpotScore

PayPal - Payment Gateway Software

PayPal

Easy, secure payments at your fingertips.

Best for: SMB teams · Mid-market · Enterprise

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What is PayPal?

PayPal is a payment gateway and digital wallet used by online merchants globally to process card transactions, send invoices, and handle purchase disputes. Merchants pay transaction fees (typically 2.9% plus $0.30 in the US) while buyers pay nothing, and PayPal's built-in purchase protection ...

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PayPal offers custom pricing plan

9.3

SpotScore

Payoneer - Payment Gateway Software

Payoneer

Effortless payments for global businesses.

Best for: SMB teams · Mid-market · Enterprise

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What is Payoneer?

Payoneer provides a simple and cost effective solution for your business to accept credit card and other payments online.  Payoneer's suite of Payment Gateway Solutions has been adapted to meet the needs of various businesses such as banks, eCommerce merchants, international money transfer ...

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Payoneer offers custom pricing plan

9.1

SpotScore

Razorpay - Payment Gateway Software

Razorpay

Streamline your payments with ease.

Best for: SMB teams · Mid-market · Enterprise

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What is Razorpay?

Razorpay's payment gateway software helps online businesses to accept payments from customers using their desktop and mobile devices. This online payment gateway helps you integrate seamlessly with the leading payment gateways in India, and global financial networks like Visa and Mastercard. ...

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Razorpay offers custom pricing plan

9.1

SpotScore

2Checkout - Payment Gateway Software

2Checkout

Streamline your payments with 2Checkout.

Best for: SMB teams · Mid-market · Enterprise

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What is 2Checkout?

2Checkout (now operating as Verifone) is a global payment gateway for software vendors and subscription businesses that sell digitally across multiple countries and need to handle local payment methods, currencies, and tax compliance in international markets. Dedicated account managers are ...

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2Checkout offers custom pricing plan

8.9

SpotScore

BlueSnap - Payment Gateway Software

BlueSnap

Streamline your online payments with ease.

Best for: SMB teams · Mid-market

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What is BlueSnap?

BlueSnap is a payment gateway software that allows merchants to start accepting credit cards directly on their own websites. BlueSnap provides everything you need from the award-winning payment gateway to a complete white label solution for your clients. Connect your online business in seconds, ...

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Starts from $0.30

8.9

SpotScore

Paytm Payment Gateway - Payment Gateway Software

Paytm Payment Gateway

Seamless integration, customizable alerts, effortless payments.

Best for: SMB teams · Mid-market · Enterprise

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What is Paytm Payment Gateway?

The Paytm gateway software offers you all the benefits a payment gateway should offer – and more. It comes with a seamless integration with Paytm Wallet, configurable SMS alerts, transaction confirmation email for buyers and retailers, verification of users before proceeding further with their ...

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Paytm Payment Gateway offers custom pricing plan

8.8

SpotScore

Adyen - Payment Gateway Software

Adyen

Powering global payments with ease.

Best for: SMB teams · Mid-market · Enterprise

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What is Adyen?

Adyen is a global payment processing platform used by mid-market and enterprise retailers, marketplaces, and financial services firms that process transactions across multiple countries and sales channels. It unifies online, mobile, and in-store payments under one integration, eliminating the ...

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Adyen offers custom pricing plan

8.8

SpotScore

Tap2Pay - Payment Gateway Software

Tap2Pay

Streamline online payments with secure convenience.

Best for: SMB teams · Mid-market · Enterprise

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What is Tap2Pay?

Tap2Pay is open source payment gateway software for online businesses. It enables any web merchant to accept payments from credit cards, e-wallets, and other payment instruments. It provides a smooth checkout experience for end users by redirecting them to a mobile app or the merchant website ...

Read more about Tap2Pay

Starts from $49/Month

8.7

SpotScore

Alipay - Payment Gateway Software

Alipay

Effortless payments for your business's success.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

Add to compare

What is Alipay?

Alipay is a payment gateway software that allows any business to accept Alipay payments. Merchants can recover their payment transactions, perform currency conversion and view transaction status. The gateway uses the Alipay digital payment platform, which is connected to more than 70 online ...

Read more about Alipay

Alipay offers custom pricing plan

Why these tools made our shortlist

Authorize.Net9.3Best for teams of all sizes

Easy to navigate and integrates with other software.

Watch for: Limited options in the Marketplace for additional apps and connectors.

MultiSafepay8.5Best for teams of all sizes

Quick and responsive customer support, ensuring prompt assistance and issue resolution, enhancing user experience.

Watch for: Complicated and time-consuming account activation process, with excessive and invasive requests for documentation, causing delays and frustrations.

Global PaymentsBest for teams of all sizes

Full-service payment processing

Watch for: Can be expensive

PayPal9.8Best for teams of all sizes

Excellent customer service experience with helpful, friendly, and patient staff.

Watch for: Lack of support for users who do not have emails on their phones, causing difficulties in providing necessary information for issue resolution.

Payoneer9.3Best for teams of all sizes

Efficient customer service, offering quick and effective issue resolution.

Watch for: Some users find the fees charged by Payoneer to be relatively high.

Razorpay9.1Best for teams of all sizes

Streamlined payment processing experience with real-time insights and data through an intuitive dashboard.

Watch for: Challenges with customer support response times, leading to delays in issue resolution and potential dissatisfaction.

2Checkout9.1Best for teams of all sizes

Consistent and quick support responses, providing valuable assistance to users.

Watch for: User interface complexity may be overwhelming for some users without adequate guidance.

BlueSnap8.9Best for small & mid-size businesses

Exceptional customer support, with helpful and prompt responses.

Watch for: Some users experienced delays in issue resolution and communication, especially regarding payment disputes.

Paytm Payment Gateway8.9Best for teams of all sizes

Convenient and fast way to convert and transfer Paytm gift wallet balance into bank accounts.

Watch for: Some delays in transaction processing and occasional complexity in payment settlements.

Adyen8.8Best for teams of all sizes

Global payment processing

Watch for: Complex pricing structure

Tap2Pay8.8Best for teams of all sizes

Fast and secure payments system, allowing sales across multiple channels with ease.

Watch for: Some users report issues with customer support and unresponsiveness.

Alipay8.7Best for teams of all sizes

Supports Alipay payments

Watch for: Limited to Alipay

Why teams look for a Cardinity alternative

What sends teams searching for a Cardinity alternative usually boils down to these:

  • Limited features for advanced users
  • Transaction fees can be high
  • Customer support may be lacking

What to weigh when comparing Cardinity alternatives

A look at the 12 payment gateway software alternatives by the figures: paid plans run $25, with Authorize.Net the cheapest entry point; and Paytm Payment Gateway is the highest rated at 4.5 across 132 reviews.

How the list is built.

Frequently Asked Questions (FAQs)

Stuck on something? We're here to help with all the questions and answers in one place.

The top-rated alternatives to Cardinity are Paytm Payment Gateway (4.5★), MultiSafepay (4.4★), Adyen (4.3★). Compare all 12 alternatives side-by-side above.

When evaluating alternatives to Cardinity, prioritize: Invoice Payment, PoS Transactions, Multiple Currency Processing, Recurring Billing, Website Payments, transparent pricing, free trial availability, and integrations with your existing tools. Use the filters above to compare by feature, budget, and team size.

Migration difficulty depends on how deeply Cardinity is integrated into your workflows. Most alternatives offer data export/import tools and dedicated onboarding support. We recommend shortlisting 2–3 options, running a free trial, and checking each vendor's migration guides before committing.

Which Cardinity alternative is right for you?

  • If real-user ratings matter most: Paytm Payment Gateway has the strongest star rating (4.5★) among the options with verified reviews.
  • Want the safest pick: Authorize.Net has the highest Spotsaas Score (9.3) in this list — a strong default if you're unsure.

Replacing Cardinity: how to switch

Migrating from Cardinity works best in stages. Export your data, confirm the new tool accepts it, and check that your essential workflows hold up. Try a short pilot before rolling out, and leave Cardinity running until you're confident. Most picks above offer free testing.

Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].