Cardaq provides an integrated payment platform that combines acquiring and issuing services for low‑ and medium‑risk merchants, enabling online, in‑store, and e‑wallet transactions with fully branded card programs. The solution offers transparent, merchant‑friendly pricing, real‑time fraud protection, multi‑currency support, and 24/7 multilingual expert support, all managed through a single dashboard.
Funding
Funding not disclosed
Founders
Product
Problem
Low- and medium-risk businesses often struggle to obtain payment infrastructure that combines both acquiring (online and in‑store transaction processing) and issuing (branded card programs) with transparent pricing, strong fraud protection, and reliable support, leading to missed sales and operational risk.
Solution
Cardaq offers an integrated platform that provides both acquiring and issuing services tailored to low‑ and medium‑risk merchants. The solution supports seamless online and point‑of‑sale payments, multiple currency handling, and a full suite of card products—including virtual, physical, prepaid, and credit cards—branded to the merchant’s identity. Advanced fraud detection, encrypted transaction transfers, and rolling reserve mechanisms protect against financial loss, while 24/7 multilingual support ensures issues are resolved quickly. Transparent, merchant‑friendly terms eliminate hidden fees, and the platform’s regulated electronic‑money institution status guarantees compliance and operational reliability. Clients can manage all payment activities through a single dashboard, simplifying reporting and reconciliation.
Target Audience
Cardaq serves low‑ and medium‑risk merchants, financial institutions, and businesses that require both payment acquiring and branded card issuing capabilities, including e‑commerce platforms, retail chains, and corporate service providers.
Features
- Integrated acquiring and issuing engine supporting online, in‑store, and e‑wallet transactions across multiple currencies
- Fully branded card programs (debit, prepaid, credit, virtual, and Mastercard World Elite) with customizable designs
- Real‑time fraud monitoring, encrypted data transfers, and rolling reserve controls for enhanced security
- Transparent, merchant‑friendly pricing model with no hidden costs
- 24/7 multilingual support staffed by payment experts
- Regulatory compliance as a licensed Electronic Money Institution, ensuring adherence to AML and KYC standards
- Unified dashboard for transaction monitoring, reporting, and card program management