Cardinity vs. Exact Payments Comparison


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		Related Products PayKings PayKings is a merchant account provider that helps businesses secure payment processing services in industries often rejected by traditional payment processors. The platform offers merchant accounts, payment gateways, and payment processing solutions designed to support businesses with specialized risk profiles. What is a high risk merchant account? A high risk merchant account is a payment processing account for merchants that are classified in a high risk category. They require high risk credit card processing solutions. The PayKings Team can get you approved today for a low to high risk merchant account for B2B, eCommerce, or Retail at reduced rates and fees. Credit repair merchant accounts are essential for companies in the credit repair space. You provide credit solutions to your customers and we’ll take care of the payment processing. Selling any type of merchandise through an ecommerce store has its risks. 105 Ratings Visit Website Melio Melio is an accounts payable tool built to simplify bill payments, boost workflow efficiency, and optimize cash flow for businesses of all sizes. To get started, try all of Melio's features free for 30 days! Pay vendors online through bank transfers or credit/debit cards, even if they typically accept checks—Melio manages the manual work for you. Effortlessly integrate with QuickBooks and Xero to ensure your financial records stay current. With Melio, pay by bank transfer or card to extend cash flow and earn rewards. Adding vendor or bill details is a breeze—input them manually, upload files, or take a photo of invoices. Schedule payments to align with your cash flow, and let Melio handle the rest. International vendor payments are made easy by paying in their local currency for products and services your business needs. The Melio mobile app, available for iOS and Android, lets you monitor and manage payments anytime, giving you full control over your finances on the go. 2,212 Ratings Visit Website EBizCharge EBizCharge is the leading embedded payments application for businesses to accept payments directly inside QuickBooks, Microsoft Dynamics, NetSuite, SAP, Acumatica, and 100+ other business systems. Trusted by 20,000 companies and voted best fintech solution by the Globee® Awards, EBizCharge combines modern billing tools with integrated payment processing to help B2B companies get invoices paid faster, eliminate manual work, and keep payment data automatically synced to their ERP. Companies use EBizCharge to: ◉ Accept credit card, debit card, and ACH payments natively in their ERP, CRM, or shopping cart ◉ Automate billing and reconciliation to save time and reduce errors ◉ Speed up collections with easy billing tools: payment links, online customer portal, recurring billing, saved cards, and more ◉ Reduce risk with enterprise-grade security certified by the PCI-Security Council: PCI-compliance, encryption, and tokenization 208 Ratings Visit Website Regpack Regpack is an online registration and payment platform built for programs, not subscriptions. It centralizes enrollment, data collection, and payments in a single system, so you can manage participants, streamline operations, and eliminate manual processes. Used by camps, courses, afterschool programs, and multi-program organizations, Regpack connects registration forms, payment workflows, and reporting in a way subscription billing tools can't. Instead of forcing your process into recurring billing logic, Regpack is designed to reflect how programs actually operate, from first sign-up through final payment. With features like customizable registration flows, flexible payment plans, automated invoicing and reminders, and real-time reporting, Regpack gives you full visibility into your enrollment and revenue. Whether you are running a single program or managing multiple sessions and locations, everything stays connected in one place. 393 Ratings Visit Website Invoice Home Choose from hundreds of beautiful invoice templates to create and send custom invoices. Add a professional touch to your invoices by uploading your business logo. Add a personal touch with your own signature. Keep track of invoices on both desktop and mobile devices. Get paid instantly when using one of the supported payment gateways. Go green and avoid printing invoices on paper by emailing them directly to your customers. Creating an account is free and there is no cost for invoicing a combined total of $1000 worth of invoices every 30 days. Sign up today and start invoicing easier with Invoice Home. 5,713 Ratings Visit Website Datagate Telecom Billing Datagate is a SaaS, telecom billing solution for MSPs that sell UCaaS, VoIP, mobile voice & data services under their own brand. Datagate integrates with popular software systems that MSPs use including ConnectWise Manage, QuickBooks, Xero, Stripe, Authorize.net and others. Suitable for MSPs in USA, Canada, UK, Australia and New Zealand; Datagate & partners handle all telecom tax & compliance requirements. 12 Ratings Revaly Revaly is a Payment Performance Management platform designed to ensure that every legitimate transaction succeeds, protecting the recurring revenue businesses depend on. It uses exclusive issuer signals, network intelligence, and AI-powered optimization to maximize payment approvals across the entire lifecycle. By preventing avoidable failures at the first attempt and intelligently recovering declined payments, Revaly reduces involuntary churn and strengthens customer relationships. The platform continuously analyzes routing errors, behavioral patterns, and ecosystem signals to turn unpredictable payments into predictable revenue. Subscription-based companies rely on Revaly to lift approval rates and compound revenue growth without disrupting their existing billing stack. With over 100 integrations, the system fits seamlessly into current workflows while delivering measurable, long-term financial impact. 7 Ratings Visit Website Cadebill Developed by MCL Systems Limited, Cadebill is a fully integrated convergent charging, billing and service delivery solution for the telecom, utilities, data center, call center industries. Cadebill offers a wide range of software modules that help these enterprises to efficiently offer innovative products or services to the market, promote rapid rollouts with accurate billing, eliminate redundancy, and streamlines and automates common operational processes to reduce CAPEX/OPEX with lower total cost of ownership (TCO) and higher return on investment (ROI). Key features include inbuilt financial accounting or integration with leading financial accounting systems, mediation/rating engine that handles very large volumes calls/transactions, recurring billing, telecom/utility taxation, CRM, inventory management, customer web portals, open API integration with many platforms, workflow engine for automation, AI engine to support system users and customers. 1 Rating Visit Website Square Payments Accept every payment quickly, easily, and securely. Easily accept card payments—no matter if you’re selling on the go or at your store. Streamline the way you create, send, and track your invoices. Customer not there in person? Take remote credit card payments over the phone or from your computer, and get paid fast. Create and grow your online store, and seamlessly accept online payments with Square. We make accepting cards as fast, painless, and secure as possible. There are no extra fees, no long term contracts, and no tricks. Just fast, secure payments you can depend on. 10,145 Ratings Visit Website Fraud.net Fraudnet's AI-driven platform empowers enterprises to prevent threats, streamline compliance, and manage risk in real-time. Our sophisticated machine learning models continuously learn from billions of transactions to identify anomalies and predict fraud attacks. Our unified solutions: comprehensive screening for smoother onboarding & improved compliance, continuous monitoring to proactively identify new threats, & precision fraud detection across channels and payment types. With dozens of data integrations and advanced analytics, you'll dramatically reduce false positives while gaining unmatched visibility. And, with no-code/low-code integration, our solution scales effortlessly as you grow. The results speak volumes: Leading payments companies, financial institutions, innovative fintechs, and commerce brands trust us worldwide—and they're seeing dramatic results: 80% reduction in fraud losses and 97% fewer false positives. Request your demo today and discover Fraudnet. 56 Ratings Visit Website
About Cardinity is an all-in-one payment system providing e-commerce websites with a payment gateway and a merchant account. It is a licensed payment institution registered on Visa and Mastercard networks to provide a global payment solution. Online merchants from the EU/EEA countries can use Cardinity payment services and charge customers all over the world. By opening a merchant account with Cardinity, clients can enjoy many useful features for free: recurring billing, one-click payments, tokenization, enhanced security measures, 3D Secure tool, and more.	About Exact Payments develops and delivers easy-to-integrate and highly scalable payments technology for SaaS companies to seamlessly embed payment flows into their software and activate a new, high-margin revenue stream. With Exact’s PayFac-as-a-Service solution, SaaS providers build frictionless buying journeys that enhance customer experience, improve retention, and increase the lifetime value of a customer by as much as 5x. Today, Exact processes nearly 1 billion transactions annually for prominent customers, including Chase, Ordway, Cineplex, Allianz, Levi’s, and Carfax. Exact is integrated with leading processors in the US and Canada, including Elavon, Fiserv, Global Payments/TSYS, Chase Canada, and Moneris. Our payment solutions are designed for performance and reliability, supporting over 10,000 merchant clients and delivering 99.99% uptime availability with transaction response times of less than 1 second.
Platforms Supported Windows Not Supported Mac Not Supported Linux Not Supported Cloud Not Supported On-Premises Not Supported iPhone Not Supported iPad Not Supported Android Not Supported Chromebook Not Supported	Platforms Supported Windows Supported Mac Supported Linux Not Supported Cloud Supported On-Premises Supported iPhone Supported iPad Supported Android Supported Chromebook Supported
Audience eCommerce companies in EU/EEA that want to accept payments online	Audience Software-as-a-Service businesses
Support Phone Support Supported 24/7 Live Support Not Supported Online Supported	Support Phone Support Supported 24/7 Live Support Not Supported Online Supported
API Offers API Not Supported	API Offers API Supported
Screenshots and Videos View more images or videos	Screenshots and Videos View more images or videos
Pricing Pricing per transaction. No monthly fees. No setup fees. Free Version Not Supported Free Trial Not Supported	Pricing Free Always free for everyone. No subscription fees, ever. Share in the revenue from payments processed on your platform. Free Version Supported Free Trial Supported
Reviews/Ratings Overall 3.7 / 5 ease 4.7 / 5 features 4.7 / 5 design 4.7 / 5 support 4.3 / 5 Read all reviews	Reviews/Ratings Overall 5.0 / 5 ease 5.0 / 5 features 4.9 / 5 design 4.9 / 5 support 5.0 / 5 Read all reviews
Pros & Cons from Real Users Pros Site is easy to use Team polite Site with good design It was simple to integrate and they have recurring payments which is a must for my business model I always get quick responses from customer support, can easily track all my transactions and generally have everything I need. Cons Pay each month (what is complicated) Ask many many documents Day of payment they not pay Search new reasons do not pay (like rules or law) would be useful if they supported more currencies. Only one thing - no AmEx support, but currently it is just a nice to have.	Pros & Cons from Real Users Pros Their product works well. Anytime I have had to contact Exact Payments Support, I have had a very fast and personable reply. I have never had a bad experience with them. I like using Exact Payments system to process my credit cards. I'm impressed with the speed of processing authorizations, accuracy of banking deposits & customer support. Definitely satisfied to have Exact as my credit card processor. Anna answered the call right away when I called and helped me when I was locked out of the system after an update. After a follow up email I was back in the system and back to work. I would like to thank Richard, and the staff at Exact Payments. I have been dealing with your company for several years now, but I would like to make others aware of what a pleasure it is to do business with you. There has never been a time that I have contacted you, that you have not responded with professionalism, friendliness and accommodation. You have even answered the phone on a Saturday to help me get in to my account. I thank you for being a business I appreciate dealing with. I like the ability to see the reports - transactions in real time. I also like to be able to issue credits if there was an issue. Fast and reliable transaction processing. Timely and knowledgeable support. Easy integration. Cons I do not currently have any complaints about Exact Payments. Really kind find anything negative about using this service. There were no cons with this, the issues was dealt with right away None at all. They have never disappointed me with their service to me as a customer. Nothing specific comes to mind but keeping up with technology needs to be a priority.
Training Documentation Not Supported Webinars Not Supported Live Online Not Supported In Person Not Supported	Training Documentation Supported Webinars Supported Live Online Supported In Person Supported
Company Information Cardinity Founded: 2007 Lithuania cardinity.com	Company Information Exact Payments Founded: 1999 United States www.exactpay.com
Alternatives Cardinal	Alternatives Razorpay
Swipe Gateway	BlueSnap
Ikajo	Stripe
Payfacile	Verifone
Payeezy View All	Spreedly View All
Categories Payment Processing Supported Recurring Billing Supported	Categories Cross-Border Payment Supported Embedded Finance Supported Embedded Payments Supported Payment Facilitation (PayFac) Supported Payment Gateways Supported Payment Orchestration Supported Payment Processing Supported Recurring Billing Supported Subscription Management Supported
Payment Processing Features ACH Check Transactions Not Supported Bitcoin Compatible Not Supported Debit Card Support Supported Gift Card Management Not Supported Mobile Payments Supported Online Payments Supported POS Transactions Not Supported Receipt Printing Not Supported Recurring Billing Supported Signature Capture Not Supported Recurring Billing Features Customer Portal Not Supported Deferred Billing Supported Discount Management Not Supported Dunning Management Not Supported Invoice History Not Supported Multi-Currency Supported Multi-Period Recurring Billing Not Supported Payment Processing Supported Recurring Donations Not Supported Subscription Billing Supported	Payment Processing Features ACH Check Transactions Supported Bitcoin Compatible Not Supported Debit Card Support Supported Gift Card Management Not Supported Mobile Payments Supported Online Payments Supported POS Transactions Supported Receipt Printing Not Supported Recurring Billing Supported Signature Capture Not Supported Recurring Billing Features Customer Portal Supported Deferred Billing Not Supported Discount Management Not Supported Dunning Management Not Supported Invoice History Supported Multi-Currency Supported Multi-Period Recurring Billing Supported Payment Processing Supported Recurring Donations Supported Subscription Billing Supported Show More Features Payment Gateways Features ACH / eCheck support Supported Buyer Authentication Supported Credit / Debit Support Supported Customer Information Storage Supported Fraud Prevention Supported Invoicing Supported Multi-Currency Supported PCI Compliance Supported Point-of-Sale (POS) Supported Recurring Billing / Subscriptions Supported Reporting / Analytics Supported Subscription Management Features Cancellation Management Not Supported Discount / Coupon Management Not Supported Dunning Management Not Supported Enrollment Management Not Supported Product Catalog Not Supported Recurring Billing Supported Revenue Recognition Supported Revenue Recovery Tools Not Supported Self Service Portal Not Supported Subscription Plan Management Supported Tax Management Not Supported Trial Management Not Supported Usage Tracking/Analytics Not Supported
Integrations American Express Go Not Supported Basis Theory Not Supported Chase Merchant Services Not Supported Cybersource Not Supported Dwolla Not Supported Elavon Not Supported Fiserv Not Supported GitHub Not Supported Google Pay Not Supported HostBill Supported Moneris Not Supported Okta Not Supported PayFacto Not Supported Plaid Not Supported Sonaro Supported Stoplight Not Supported Trulioo Not Supported Veracode Not Supported Visa Click to Pay Not Supported Visa Token Service Not Supported Show More Integrations View All 2 Integrations	Integrations American Express Go Supported Basis Theory Supported Chase Merchant Services Supported Cybersource Supported Dwolla Supported Elavon Supported Fiserv Supported GitHub Supported Google Pay Supported HostBill Not Supported Moneris Supported Okta Supported PayFacto Supported Plaid Supported Sonaro Not Supported Stoplight Supported Trulioo Supported Veracode Supported Visa Click to Pay Supported Visa Token Service Supported Show More Integrations View All 20 Integrations
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