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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

PayOS is a payment infrastructure platform built specifically for the “agentic” economy, where AI agents and autonomous workflows complete commerce tasks. The system is designed as a card-native solution that enables developers and businesses to embed checkout, billing, and money movement into agentic workflows, supporting all major card networks and offering processor flexibility. It allows a card to be linked once and then used across agent-driven scenarios, while still providing human-in-the-loop controls, strong security (PCI-compliant), and full global network access. PayOS enables both push and pull payments, recurring billing, and autonomous money flows without the need for merchant re-integration. It supports tokenization and collaborations with networks like Mastercard and Visa Intelligent Commerce to open up agentic payment use cases at scale.

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 Not Supported
Mac Not Supported
Linux Not Supported
Cloud Supported
On-Premises Not Supported
iPhone Not Supported
iPad Not Supported
Android Not Supported
Chromebook Not Supported

Audience

eCommerce companies in EU/EEA that want to accept payments online

Audience

Developers of AI agents, fintechs and platforms in search of a tool offering scalable payment and billing infrastructure for autonomous commerce workflows

Support

Phone Support Supported
24/7 Live Support Not Supported
Online Supported

Support

Phone Support Not Supported
24/7 Live Support Not Supported
Online Supported

API

Offers API Not Supported

API

Offers API Not Supported

Screenshots and Videos

Screenshots and Videos

Pricing

Pricing per transaction. No monthly fees. No setup fees.
Free Version Not Supported
Free Trial Not Supported

Pricing

No information available.
Free Version Not Supported
Free Trial Not Supported

Reviews/Ratings

Overall 3.7 / 5
ease 4.7 / 5
features 4.7 / 5
design 4.7 / 5
support 4.3 / 5

Reviews/Ratings

Overall 0.0 / 5
ease 0.0 / 5
features 0.0 / 5
design 0.0 / 5
support 0.0 / 5

This software hasn't been reviewed yet. Be the first to provide a review:

Review this Software

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.

Training

Documentation Not Supported
Webinars Not Supported
Live Online Not Supported
In Person Not Supported

Training

Documentation Supported
Webinars Not Supported
Live Online Not Supported
In Person Not Supported

Company Information

Cardinity
Founded: 2007
Lithuania
cardinity.com

Company Information

PayOS
Founded: 2025
United States
payos.ai/

Alternatives

Alternatives

AgentWorks

AgentWorks

Synergetics.ai

Categories

Categories

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

Integrations

HostBill Supported
Mastercard Payment Gateway Services Not Supported
Sonaro Supported
Visa Click to Pay Not Supported

Integrations

HostBill Not Supported
Mastercard Payment Gateway Services Supported
Sonaro Not Supported
Visa Click to Pay Supported
Claim Cardinity and update features and information
Claim Cardinity and update features and information
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Claim PayOS and update features and information