What Cardinity does

Cardinity is a fintech company founded in 2007 and headquartered in Vilnius, Lithuania, that provides online card payment services to merchants operating across multiple international markets. The platform delivers end-to-end payment capabilities spanning global acquiring, online and in-store payment acceptance, mass payouts, alternative payment methods, recurring billing, smart checkout optimization, and a fraud and risk management suite. Underlying this is a Unified Platform that consolidates payment history, settlement data, and authorization-rate analytics across operating regions into a single dashboard.

The company targets enterprise and mid-market businesses seeking international payment acceptance, with named customers spanning retail (IKEA), streaming and social media (Spotify, Facebook), trading (Capital.com), real estate (Invevo), gaming (Roobet), healthcare (Cignpost, Naturecan), events (Hannover), and legal services (Setfords). Its licensed footprint covers 40+ regulated markets across Southeast Asia, Europe, and MENA, with 200+ local and alternative payment methods and 180+ local currencies supported by 230+ in-region payment experts.

Revenue is generated through transaction-based fees on payment processing, gateway services, and payouts. Pricing is quote-based and custom, distributed via enterprise field sales supported by a partner network that includes Techquity (retail), Invevo (real estate software), and ITQ (technology services). Headquarters are in Vilnius with operations across Europe, Southeast Asia, and MENA; leadership includes CEO Egidijus Andreika and Head of Compliance / Data Protection Officer / CCO Julius Dumalakas.

Name

Cardinity

Legal name

Nomu Pay Limited

Website

https://cardinity.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

Cardinity is a Vilnius, Lithuania-based fintech founded in 2007 that provides online card payment processing and a multi-region acquiring platform to enterprise and mid-market merchants across Europe, Southeast Asia, and MENA.

Ownership category

akta.pro rank

Product category

Online Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Merchant Acquiring & Card Processing (PSPs) (CRAFALAB)

akta.pro secondary industry

Card Issuing & Program Management Platforms (BPAMAFAH)

Keywords

• Online card payments
• Card payment processing
• Payment gateway services
• Merchant payment solutions
• Fintech payment services

Headquarters

HQ city

Vilnius

HQ country

Lithuania

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Payment Processing & Transaction Fees: Revenue generated from processing payment transactions across online, in-store, and global acquiring channels. The platform charges transaction fees for processing payments through its gateway and acquiring services.
2. Payment Gateway Services: Revenue from providing online payment gateway solutions that enable merchants to accept digital payments through various channels and payment methods.
3. Payout Services: Mass payments and payout distribution services for businesses to send funds to individuals and businesses compliantly via local bank transfers or APMs.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Cardinity is a fintech company that offers online card payments services, providing merchants with payment processing infrastructure to accept and process card transactions online. The company delivers card payment acceptance and processing capabilities tailored for online businesses and e-commerce merchants.

Differentiator

Problem solved

Functional benefit

Products and services

• Online Card Payment Services

Quantifiable outcome

• Optimised checkout delivers increased authorisation rates
• +1 more outcomes

Named customers12 records

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Three partnerships are on record, tiered core.

• TechquitycoreStrategic or Co-development PartnerTechquity provides retailers with the latest advancements in payment technologies through its partnership with Nomupay. The partnership enables Techquity to offer enhanced payment solutions to its retail clients, leveraging Nomupay's global payment infrastructure and local payment method access.
• InvevocoreTechnology or IntegrationInvevo has integrated Nomupay's payment solutions into its platform, enabling its clients to benefit from enhanced customer experience through seamless payment processing. Multiple success stories have been reported from clients using the integration.
• ITQcoreGTM or Marketing PartnerITQ includes Nomupay as a core component of its best-of-breed portfolio of products and services. Nomupay is described as at the core of ITQ's commitment to deliver premium solutions to its customers.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Stripe: Global online payment processor offering merchant acquiring, gateway, and increasingly multi-region acquiring to enterprise clients. Direct overlap with Nomupay's core acquiring + gateway + payouts stack.
• Adyen: Unified global payment processor with strong enterprise focus, multi-currency settlement, and a single-platform architecture comparable to Nomupay's 'Unified Platform' positioning.
• Checkout.com: Global PSP focused on enterprise merchants, optimized checkout, and APM aggregation — closely parallels Nomupay's product set and enterprise GTM approach.
• Nuvei: Global payment technology company with strong APM coverage and recurring/subscription billing tools. Closely matches Nomupay's APM breadth and recurring-payments product positioning.
• Mollie: European-focused PSP offering multi-method acquiring, gateway, and payouts to SMB and mid-market merchants. Comparable business model, though with SMB rather than pure-enterprise GTM.
• PPRO: Alternative Payment Methods aggregator operating across Europe, APAC, and LATAM. Directly comparable APM aggregation thesis to Nomupay's 200+ payment methods promise.
• Trust Payments: Multi-jurisdiction PSP with acquiring licenses across Europe and other regions, offering gateway, acquiring, and recurring billing — competing head-to-head in the European mid-market.
• dLocal: Cross-border payment processor specializing in emerging markets (LATAM, APAC, MENA, Africa). Comparable to Nomupay's emerging-market focus and APM aggregation approach.

Broad incumbents

• Worldline: European-headquartered incumbent merchant acquiring and payment services provider. Competes with Nomupay in European enterprise acquiring but at much greater scale and broader product scope.

Regional players

• PagoNxt (Santander): Merchant acquiring and payment services arm tied to Santander's European franchise — competes with Nomupay for European enterprise payment volumes, though with stronger banking-distribution roots.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Cardinity
• Facebookfacebook.com/cardinity.en
• LinkedInlinkedin.com/company/cardinity

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cardinity