8.4
SpotScore
Top 10 Cardinity Alternatives 2026
Effortless credit card payments for e-commerce merchants.
Main Features
- Invoice Payment
- Mobile Payments
- Multiple Currency Processing
- PoS Transactions
Pricing
Cardinity offers custom pricing plan
Cardinity is a Payment Gateway Software platform with a user rating of 3.7★ based on 31 reviews. Teams looking for alternatives typically need better pricing flexibility, easier deployment, or a closer feature fit for their specific use case. Below you'll find 10 vetted Payment Gateway Software alternatives ranked by user rating, with filters to narrow by pricing, platform, and features — so you can find the right fit for 2026.
Cardinity vs Top Alternatives at a Glance
Side-by-side comparison of pricing, user rating, and free trial availability to help you decide faster.
| Tool | Best For | Pricing | Rating | Free Option |
|---|---|---|---|---|
| Cardinity Current | Payment Gateway Software | Custom pricing | 3.7 ★ | ✗ No |
 Trustly | Payment Gateway Software | Custom pricing | 4.5 ★ | ✗ No |
 EBS | Payment Gateway Software | Custom pricing | 4.0 ★ | ✗ No |
 UniPay Gateway | Payment Gateway Software | Custom pricing | 4.5 ★ | ✗ No |
 Coriunder BAAS | Payment Gateway Software | $500 | 5.0 ★ | ✓ Yes |
 Alipay | Payment Gateway Software | Custom pricing | 3.7 ★ | ✗ No |
Showing 1-10 out of 10
List of the Top Cardinity alternatives as of October 2026
Compare business software, products, and services to find the best solution for your business or organization. Use the filters on the left to drill down by category, pricing, features, market segment, user ratings, and more.
8.6
SpotScore
Trustly — 4.5★
Effortless online payments made secure.
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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 moreWhat reviewers like about Trustly
- Encrypted payment processing
- Simplified checkout experience
- Supports multiple payment channels
Where Trustly falls short
- Limited to online payments
- May not support all regions
- Customer support can be slow
Common Features
-
Invoice Payment
-
PoS Transactions
-
Multiple Currency Processing
+ 4 more
Unique Features
No unique features
Pricing
Trustly offers custom pricing plan
8.5
SpotScore
EBS — 4★
Empowering banks with secure online transactions.
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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 moreWhat reviewers like about EBS
- End-to-end solution
- Trusted by banks
- Supports emerging markets
Where EBS falls short
- Complex integration
- Limited to banking sector
- Higher fees for small businesses
Common Features
-
Invoice Payment
-
PoS Transactions
-
Multiple Currency Processing
+ 4 more
Unique Features
No unique features
Pricing
EBS offers custom pricing plan
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8.5
SpotScore
UniPay Gateway — 4.5★
The key to seamless online payments.
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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 moreWhat reviewers like about UniPay Gateway
- Automates e-commerce transactions
- Secure credit card processing
- Easy database integration
Where UniPay Gateway falls short
- Limited payment method options
- May require technical setup
- Not suitable for small businesses
Common Features
-
Invoice Payment
-
PoS Transactions
-
Multiple Currency Processing
+ 4 more
Unique Features
-
Gift Card Management
Pricing
UniPay Gateway offers custom pricing plan
8.1
SpotScore
Coriunder BAAS — from $500 · 5★
Streamline your payments with Coriunder.
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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 moreWhat reviewers like about Coriunder BAAS
- Secure online payment services
- Supports various payment methods
- Designed for enterprises
Where Coriunder BAAS falls short
- Higher fees for enterprise features
- Complex setup process
- Limited support for small businesses
Common Features
-
PoS Transactions
-
Multiple Currency Processing
-
Recurring Billing
+ 3 more
Unique Features
No unique features
Pricing
Starts from $500/Month, also offers free forever plan
8.7
SpotScore
Alipay — 3.7★
Effortless payments for your business's success.
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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 moreWhat reviewers like about Alipay
- Supports Alipay payments
- Currency conversion
- Transaction status tracking
Where Alipay falls short
- Limited to Alipay
- May not suit all markets
- Integration complexity
Common Features
-
Invoice Payment
-
PoS Transactions
-
Multiple Currency Processing
+ 4 more
Unique Features
-
Gift Card Management
Pricing
Alipay offers custom pricing plan
8.3
SpotScore
SecurionPay — 4.53★
Effortless online payments, anytime, anywhere.
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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 moreWhat reviewers like about SecurionPay
- 24/7 payment acceptance
- Supports multiple currencies
- User-friendly interface
Where SecurionPay falls short
- Fees can be high
- Limited payment options
- Not ideal for small businesses
Common Features
-
Invoice Payment
-
Multiple Currency Processing
-
Recurring Billing
+ 3 more
Unique Features
No unique features
7.9
SpotScore
Compass Payments Suite — 4★
Simplify online payments for small businesses.
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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 moreWhat reviewers like about Compass Payments Suite
- Tailored for small businesses
- Lower processing costs
- Easy credit card acceptance
Where Compass Payments Suite falls short
- Limited features for larger businesses
- May lack advanced security
- Fees can vary
Common Features
-
PoS Transactions
-
Multiple Currency Processing
-
Recurring Billing
+ 3 more
Unique Features
No unique features
Pricing
Compass Payments Suite offers custom pricing plan
9.3
SpotScore
Authorize.Net — from $25 · 4.13★
Secure payment solutions for your business.
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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 moreWhat reviewers like about Authorize.Net
- Easy to navigate and integrates with other software.
- Reliable and easy-to-use platform with excellent customer support.
- Trusted and secure payment gateway for credit card transactions.
Where Authorize.Net falls short
- Limited options in the Marketplace for additional apps and connectors.
- Some users find the complexity of features and customizations intimidating for newcomers.
Common Features
-
Invoice Payment
-
PoS Transactions
-
Multiple Currency Processing
+ 4 more
Unique Features
-
Gift Card Management
Pricing
Starts from $25/Month
8.6
SpotScore
MoonClerk — from $15 · 3.62★
Streamline your online payments with ease.
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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 moreWhat reviewers like about MoonClerk
- Integration with payment processors like Stripe for convenient transactions.
- Easy setup and user-friendly interface, suitable for small businesses and non-tech users.
- Customizable payment forms that can be embedded on websites, enhancing brand consistency.
Where MoonClerk falls short
- Lack of advanced customization options for checkout pages may limit flexibility.
- Limited flexibility in pricing structures and design options for payment plans.
- Absence of certain features like upload function for customer submissions may be a drawback.
Common Features
-
Invoice Payment
-
PoS Transactions
-
Recurring Billing
+ 3 more
Unique Features
No unique features
Pricing
Starts from $15/Month
8.3
SpotScore
Citcon — 4.8★
Simplify online payments with secure integration.
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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 moreWhat reviewers like about Citcon
- Multiple payment options available
- Strong data encryption
- User-friendly interface
Where Citcon falls short
- Limited international payment support
- Transaction fees may apply
- Not suitable for high-risk industries
Common Features
-
Invoice Payment
-
PoS Transactions
-
Multiple Currency Processing
+ 3 more
Unique Features
-
Gift Card Management
Pricing
Citcon offers custom pricing plan
Cardinity competitors, compared
Across Payment Gateway Software, 10 products compete directly with Cardinity. The strongest overlap is with Trustly, EBS and UniPay Gateway. 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
Encrypted payment processing
Watch for: Limited to online payments
Automates e-commerce transactions
Watch for: Limited payment method options
Secure online payment services
Watch for: Higher fees for enterprise features
Tailored for small businesses
Watch for: Limited features for larger businesses
Easy to navigate and integrates with other software.
Watch for: Limited options in the Marketplace for additional apps and connectors.
Integration with payment processors like Stripe for convenient transactions.
Watch for: Lack of advanced customization options for checkout pages may limit flexibility.
Multiple payment options available
Watch for: Limited international payment support
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 alternatives by the figures: 1 offers a free tier; and Coriunder BAAS is the highest rated at 5★ across 8 reviews.
How the list is built.
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].
