Trusted by 1.5k clients

Complete Payment
Solutions for Your
Business

Issuing and acquiring solutions designed for low- and medium-risk businesses - from secure payment processing to fully branded card programs

Get your online proposal in a minute

Get your online proposal in a minute

Monthly turnover (MID)10,000
Rolling reserve10%
Hold of payouts, days60
Chargeback ratio per MID0.5%
Fraud ratio per MID0.5%
Security Deposit14%
0%total discount

By clicking you agree to
our Website Terms
of Service
and
Privacy Policy.

Start now

Acquiring

Our Clients’
Choice
for
Best Acquirer

Comprehensive payment acquiring services tailored to businesses of all sizes — from seamless online and in-store transactions to advanced fraud protection and dedicated 24/7 expert support ensuring you never miss a sale.

More about Acquiring

“Cardaq’s flexible acquiring platform slashed our partners’ setup times and costs—letting them focus on growth with confidence.”

Hugo Remi

Hugo Remi

Founder & CEO, Cardaq

Merchant-Friendly Terms

Simple. Transparent. Merchant-friendly. Our terms are designed to help your business scale without hidden costs or complications.

Simplified Onboarding

Four steps, one smooth start. Our streamlined onboarding takes you from registration to live processing in minutes.

Next-Level Payment Security

Advanced fraud protection, encrypted transfers, rolling reserves and 24/7 multilingual support keep your payments safe and your reporting transparent.

Issuing

We are experts in Card Issuing

From everyday debit to premium Mastercard World Elite, we design and deliver the full spectrum of card programs — virtual, physical, prepaid or credit — all branded for your business.

Black pattern cardsoon card
Blue gradient cardsoon card
Red abstract cardsoon card
Yellow waves cardsoon card
Gray smooth cardsoon card

Stay tuned

Coming soon

Benefits

Premium card
Privileges

Discover a range of travel, lifestyle and everyday features available across premium card programmes.

Availability may vary depending on the programme structure and applicable terms.

01

Designed for life on the move

World Elite Mastercard® card programmes include a curated set of features designed to make everyday life and travel more comfortable - from airport lounge access and concierge support to seamless global connectivity with eSIM and selected partner offers.

Learn more

Mastercard

EVERYDAY PRIVILEGES

Visa

EVERYDAY PRIVILEGES

UnionPay

EVERYDAY PRIVILEGES

EVERYDAY PRIVILEGES

Mastercard

TRAVEL & ASSISTANCE

Visa

Global Concierge

UnionPay

Our Ecosystem’s

Explore Our
Brands

From consumer-facing apps to corporate infrastructure — explore the products and projects within the Cardaq ecosystem.

media

Pridepay

Pridepay is a modern payment ecosystem designed to support everyday transactions for both individuals and businesses. Developed with the LGBTQIA+ community in mind and open to a wider audience, it offers a secure and transparent way to manage payments.

Beyond transactions, Pridepay brings users and merchants into a single payment environment, designed for practical, everyday use — without added friction or complexity.

www.pridepay.com

Our blog

Articles
from Our Team

A mix of thoughts, examples, and observations from our work in payments - practical at times, curious at others, and always grounded in real experience.

All articles

money

youth

The Economy of Fear: Why We Love Being Scared

5 mins read

Frequently
asked questions

Explore answers to common questions about Cardaq, our services, and how we work with businesses.

Contact us
More information in Materials
Who is Cardaq and what card acquiring services do we offer?

Cardaq is a dedicated Cards & Acquiring company, operating since October 2011. We deliver end-to-end card processing and acquiring solutions tailored to low- and medium-risk merchants, helping businesses accept payments securely and reliably.

How long has Cardaq been operating in the payments industry?

Cardaq has been active in the payments industry since 2011, with over a decade of experience in card processing, acquiring, and merchant support. We’ve worked with a wide range of clients across sectors, always focusing on reliable infrastructure and regulatory compliance.

What types of merchants do you typically work with?

We typically work with merchants that operate in regulated, transparent industries, such as retail, SaaS, travel, education, and professional services. Each application is reviewed individually, and risk is assessed based on business model, location, and transaction history.

How can I integrate Cardaq’s acquiring services into my existing payment infrastructure?

Integration is simple and flexible. Cardaq offers RESTful APIs, hosted checkout solutions, and third-party plugins for most major platforms. Our technical team provides full documentation and onboarding support to ensure a smooth implementation.

What are your fees and pricing models for processing transactions?

Our pricing is transparent and tailored to your business type, volume, and risk level. We offer interchange++ or blended models, with no hidden charges. A detailed proposal is provided after onboarding and risk evaluation.

How does Cardaq ensure security and compliance?

Cardaq is PCI DSS Level 1 certified and follows strict AML and KYC procedures. We use advanced encryption, fraud monitoring, and data protection protocols to ensure your transactions and customer data remain safe and fully compliant.