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Acquiring
We offer a multifunctional payment processing system which can be tailored to fit each merchant's needs, individually adjust payout frequency, and rolling reserve. Whether it's IPSP or PF services we are confident we can provide the best solution for your needs.
We take responsibility for guiding merchants through the onboarding process, therefore decreasing costs for onboarding and monitoring from the bank.
Technical support is available in multiple languages 24 hours a day to ensure maximum uptime.
We supply "White Label" solutions for financial institutions, allowing control over specific features, branding, and seamless integration.
Transaction Rules:
- Transaction authorization
- Cardaq receives money from Card Schemes
- Cardaq pays out money to Payment Service Provider or Payment Facilitator
- Payment Service Provider pays out money to the end merchant
Tripartite payment facilitation agreement
MerchantFinancial institutionCardaq bank
Our Functionality
Payment processing
- MasterCard processing
- Visa processing
- UnionPay International processing
- MasterCard XBS
Transaction management
- CFT payouts
- Partial Reversal
- Partial Deposit
- Reversal
Advanced payment features
- 3DS transactions
- Token payments
- Recurring payments
Multi-currency support
- Multi-currency processing
- Multi-currency settlements
Security & Compliance
- PCI DSS Level 1 Compliant
- GDPR.EU Compliant
- PSD2 Compliant
- MasterCard SecureCode
- Visa Secure
- UnionPay International Secure
- Smart 3DS
- HTTPS
- DDOS Protection
Integration & UI
- API (SOAP)
- Payment form
Security and Protection
Certified & Trusted
Compliance regulations
- PCI DSS Level 1 Compliant
- GDPR.EU Compliant
- PSD2 Compliant
Identity Shield
Payment verification
- MasterCard SecureCode
- Visa Secure
- UnionPay International Secure
- Smart 3DS
Network Fortress
Network Protection
- HTTPS
- DDOS Protection
Smart Defense
Security tools
- MasterCard Brighterion
- Visa Cybersource
- Finchecker
Settlement & Processing Currencies
EUR, €
USD, $
GBP, £
AUD, A$
CAD, C$
JPY, ¥
Fees
1. Low Risk
| Fee type | Fee |
|---|---|
| Initial fee for consideration of the Service Provider, verification and Due Diligence procedure | 0 GBP |
| Fee for the services of the Acquirer in acceptance of Cards (Service provider buy-rate) | IC++ +0.3 % |
| Commission fee for each successful Card Payment | 0.07 GBP |
| Commission fee for the declined transaction | 0.03 GBP |
| Commission fee for each refund | 0.30 GBP |
| Fee for the Original Credit Transactions (OCT) | 0.04 % |
| Commission fee for each successful OCT | 0.15 % |
| Commission fee for Chargeback or Second Chargeback (pre- arbitration) processing | 30 GBP |
| Commission fee for Chargeback Representment processing | 12 GBP |
| Arbitration | According to Card scheme fees |
| Commission fee for Copy Request / Retrieval Request processing | 50 GBP |
| Wire transfer fee for payout | SEPA - 2.58 GBP non-SEPA - 25.80 GBP |
| Merchant connection monthly fee (per MID) | 12.90 GBP |
2. Medium Risk
| Fee type | Fee |
|---|---|
| Initial fee for consideration of the Service Provider, verification and Due Diligence procedure | 0 GBP |
| Fee for the services of the Acquirer in acceptance of Cards (Service provider buy-rate) | IC++ +1 % |
| Commission fee for each successful Card Payment | 0.11 GBP |
| Commission fee for the declined transaction | 0.07 GBP |
| Commission fee for each refund | 1.7 GBP |
| Fee for the Original Credit Transactions (OCT) | 0.9 % |
| Commission fee for each successful OCT | 0.15 % |
| Commission fee for Chargeback or Second Chargeback (pre- arbitration) processing | 35 GBP |
| Commission fee for Chargeback Representment processing | 20 GBP |
| Arbitration | According to Card scheme fees |
| Commission fee for Copy Request / Retrieval Request processing | 50 GBP |
| Wire transfer fee for payout | SEPA - 2.58 GBP non-SEPA - 25.80 GBP |
| Merchant connection monthly fee (per MID) | 12.90 GBP |
3. High Risk
| Fee type | Fee |
|---|---|
| Initial fee for consideration of the Service Provider, verification and Due Diligence procedure | 0 GBP |
| Fee for the services of the Acquirer in acceptance of Cards (Service provider buy-rate) | IC++ +2 % |
| Commission fee for each successful Card Payment | 0.13 GBP |
| Commission fee for the declined transaction | 0.07 GBP |
| Commission fee for each refund | 3 GBP |
| Fee for the Original Credit Transactions (OCT) | 1.4 % |
| Commission fee for each successful OCT | 0.15 % |
| Commission fee for Chargeback or Second Chargeback (pre- arbitration) processing | 45 GBP |
| Commission fee for Chargeback Representment processing | 25 GBP |
| Arbitration | According to Card scheme fees |
| Commission fee for Copy Request / Retrieval Request processing | 50 GBP |
| Wire transfer fee for payout | SEPA - 2.58 GBP non-SEPA - 25.80 GBP |
| Merchant connection monthly fee (per MID) | 12.90 GBP |
| High-Risk merchant registration fee (per MID) | 430 GBP |