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Best Cardinity Alternatives: 10 Compared, With Free Options (2026)

Explore 10 alternatives to Cardinity, vetted by our editors with real user reviews, pricing, and feature comparisons.

10 top free Cardinity alternatives, compared

Quick answer

The Cardinity alternatives worth knowing first are Authorize.Net, Alipay and Trustly. Authorize.Net earns the top SpotScore (9.3) and a 4.13★ rating. See how all 10 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 10 payment gateway software free 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★★★★☆ 4.13(319)from $25/moteams of all sizes
AlipayEffortless payments for your business's success.8.7★★★★☆ 3.7(6)Quotation Basedteams of all sizes
TrustlyEffortless online payments made secure.8.6★★★★★ 4.5(1)Quotation Basedteams of all sizes
MoonClerkStreamline your online payments with ease.8.6★★★★☆ 3.62(17)from $15/moteams of all sizes
EBSEmpowering banks with secure online transactions.8.5★★★★☆ 4Quotation Basedteams of all sizes
UniPay GatewayThe key to seamless online payments.8.5★★★★★ 4.5(2)Quotation Basedsmall & mid-size businesses
SecurionPayEffortless online payments, anytime, anywhere.8.3★★★★★ 4.53(17)Subscriptionteams of all sizes
CitconSimplify online payments with secure integration.8.3★★★★★ 4.8Quotation Basedteams of all sizes
Coriunder BAASStreamline your payments with Coriunder.8.1★★★★★ 5(8)Freefrom $500/moteams of all sizes
Compass Payments SuiteSimplify online payments for small businesses.7.9★★★★☆ 4(1)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

Get Pricing Details

4.1

319 verified reviews

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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 ...

Read more about Authorize.Net

Authorize.Net offers custom pricing plan

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

3.7

6 verified reviews

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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

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8.6

SpotScore

Trustly - Payment Gateway Software

Trustly

Effortless online payments made secure.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.5

1 verified reviews

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What is Trustly?

Trustly is a payment gateway solution for merchants to easily accept payments online. It offers many benefits to both the merchant and customer, such as handling bank card information in an encrypted and confidential way, reduced costs and a simplified checkout process. Features include: - ...

Read more about Trustly

Trustly offers custom pricing plan

8.6

SpotScore

MoonClerk - Payment Gateway Software

MoonClerk

Streamline your online payments with ease.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

3.6

17 verified reviews

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What is MoonClerk?

The MoonClerk payment gateway software is an e-commerce website plug-in that allows you to accept credit card and debit card payments from customers online. It's powered by our highly secure and scalable cloud computing infrastructure. Plug in and start processing credit card, debit card & ACH ...

Read more about MoonClerk

MoonClerk offers custom pricing plan

8.5

SpotScore

EBS - Payment Gateway Software

EBS

Empowering banks with secure online transactions.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.0

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What is EBS?

EBS is a payment gateway designed, developed and supported by PayU, a globally trusted payments company. EBS provides banks with a complete solution for online transactions processing in emerging markets. It is the finest web-based end-to-end payment processing solution for banks that serve ...

Read more about EBS

EBS offers custom pricing plan

8.5

SpotScore

UniPay Gateway - Payment Gateway Software

UniPay Gateway

The key to seamless online payments.

Best for: SMB teams · Mid-market

Get Pricing Details

4.5

2 verified reviews

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What is UniPay Gateway?

UniPay Gateway is a payment processing platform for e-commerce operators that need to automate credit card authorization and data storage without manual transaction handling. It captures card data, authorizes transactions, and writes records to a connected database in a single workflow, ...

Read more about UniPay Gateway

UniPay Gateway offers custom pricing plan

8.3

SpotScore

SecurionPay - Payment Gateway Software

SecurionPay

Effortless online payments, anytime, anywhere.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.5

17 verified reviews

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What is SecurionPay?

SecurionPay is an online payment gateway for merchants who sell internationally and need to accept credit and debit card payments around the clock from customers in any location. It processes transactions continuously without geographic restrictions, allowing businesses to collect revenue from ...

Read more about SecurionPay

8.3

SpotScore

Citcon - Payment Gateway Software

Citcon

Simplify online payments with secure integration.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.8

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What is Citcon?

Citcon is an integrated payment gateway for businesses that need to process transactions across multiple payment platforms — including PayPal, Shopify, and Authorize.NET — from a single system. It encrypts transaction and customer data across all connected channels, reducing the compliance ...

Read more about Citcon

Citcon offers custom pricing plan

8.1

SpotScore

Coriunder BAAS - Payment Gateway Software

Coriunder BAAS

Streamline your payments with Coriunder.

Best for: SMB teams · Mid-market · Enterprise

Try for Free

5.0

8 verified reviews

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What is Coriunder BAAS?

Coriunder BAAS - Payment Gateway software is designed for Banks, Financial Institutions, e-Commerce Merchants and Enterprise Businesses. It helps them to offer secure and convenient online payment gateway services to their customers that accept various payments including Debit /Credit Cards, ...

Read more about Coriunder BAAS

7.9

SpotScore

Compass Payments Suite - Payment Gateway Software

Compass Payments Suite

Simplify online payments for small businesses.

Best for: SMB teams · Mid-market · Enterprise

Get Pricing Details

4.0

1 verified reviews

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What is Compass Payments Suite?

Compass Payments is a payment gateway software that lets small businesses accept credit cards on the Internet. This flexible solution has been tailored to make it easy for businesses of all sizes to accept and process credit card payments at a lower cost than traditional PCI-DSS compliant ...

Read more about Compass Payments Suite

Compass Payments Suite offers custom pricing plan

Cardinity competitors, compared

Across Payment Gateway Software, 10 products compete directly with Cardinity. The strongest overlap is with Authorize.Net, Alipay and Trustly. Each is compared against Cardinity on rating, pricing and feature coverage below.

What else works like Cardinity?

Searches for "sites like Cardinity" and "apps like Cardinity" land on the same set of options as "Cardinity alternatives" — the 10 options below cover both, whether you want a like-for-like replacement or something lighter.

Why these tools are worth your time

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.

Alipay8.7Best for teams of all sizes

Supports Alipay payments

Watch for: Limited to Alipay

Trustly8.6Best for teams of all sizes

Encrypted payment processing

Watch for: Limited to online payments

MoonClerk8.6Best for teams of all sizes

Integration with payment processors like Stripe for convenient transactions.

Watch for: Lack of advanced customization options for checkout pages may limit flexibility.

EBS8.5Best for teams of all sizes

End-to-end solution

Watch for: Complex integration

UniPay Gateway8.5Best for small & mid-size businesses

Automates e-commerce transactions

Watch for: Limited payment method options

SecurionPay8.3Best for teams of all sizes

24/7 payment acceptance

Watch for: Fees can be high

Citcon8.3Best for teams of all sizes

Multiple payment options available

Watch for: Limited international payment support

Coriunder BAAS8.1Best for teams of all sizes

Secure online payment services

Watch for: Higher fees for enterprise features

Compass Payments Suite7.9Best for teams of all sizes

Tailored for small businesses

Watch for: Limited features for larger businesses

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 10 payment gateway software free alternatives by the figures: 1 offers a free tier; paid plans run $15–$500, with MoonClerk the cheapest entry point; and Coriunder BAAS is the highest rated at 5★ across 8 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 Coriunder BAAS (5.0★), Citcon (4.8★), SecurionPay (4.5★). Compare all 10 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 narrowing to 2–3 options, running a free trial, and checking each vendor's migration guides before committing.

Which Cardinity alternative is right for you?

  • On a budget / just exploring: start with a free tier — Coriunder BAAS let you evaluate without paying upfront.
  • If real-user ratings matter most: Coriunder BAAS has the strongest star rating (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].