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Cardknox Gateway Review


Taking payments online has two components: a payment gateway and a payment processor. Cardknox is both. Alternately, you can just use the Cardknox gateway with a different credit card processor if you?re already taking cards and would prefer not to switch. Read on to learn whether Cardknox is the right choice for your business.

What is Cardknox?

Cardknox is a payment gateway and payment processing company. The company was founded in 2010 with the goal of helping software developers and business owners implement solutions to process EMV (chip and pin) credit card payments. It?s based in Lakewood, NJ.

Compatible Processors

Cardknox?s website claims that the gateway is compatible with major payment processors. However, it doesn?t specify those processors. If you?re already working with a processor, you can check directly with that company to see if it supports Cardknox gateways.

Cardknox Features

Cardknox?s features include fraud prevention tools, Apple Pay integration, a card updater, gift card acceptance, check processing, gateway emulation, PIN debit card acceptance, SDKs for terminals, EMV compatibility for browser-based POS systems, installment payments, and custom requests.

Fraud Prevention Tools
Nothing hurts your business more than fraud. Cardknox?s FraudShield technology rates a transaction?s risk before approving it. Even if there?s a chargeback, you?ll still receive your payment.

Apple Pay Integration
Are your customers using Apple Pay? When you use Cardknox, you?re instantly compatible with Apple Pay. You don?t even need any custom integrations.

Card Updater
It?s a headache when a credit card is declined because your customer didn?t provide the most up-to-date information. Cardknox?s card updater automatically updates these details so your transactions will be approved.

Gift Card Acceptance
You want to be able to process the gift cards you sell. Cardknox lets you do just that. It even migrates gift cards from third-party platforms so existing balances will stay active.

Check Processing
Give your customers the flexibility to pay with their preferred method by accepting checks. Cardknox?s gateway processes this payment type without hassle.

Gateway Emulation
Do you want to process transactions with a third-party software that doesn?t directly support Cardknox? That?s okay ? Cardknox?s gateway emulator enables it to use those same requests and respond in the same ways as those other gateways without using a single line of code.

PIN Debit Card Acceptance
PIN debit cards generally have the lowest processing fees. When used as the processor, Cardknox allows you to accept those payments, which saves you money and satisfies your customers.

SDK for Terminals
Cardknox was created with developers in mind. If you want to integrate with a number of terminals, Cardknox most likely has the SDK.

EMV Compatibility for Browser-Based POS Systems
EMV cards are the wave of the future ? don?t get left out. Cardknox?s solution lets you accept EMV credit cards with your browser-based POS system.

Installment Payments
Offering installment plans lets your customers pay you, on their schedule. Cardknox enables your customers to pay by installment without headaches.

Custom Requests
Cardknox bills itself on being open to client feedback. If you?ve got a custom request or configuration, ask them and they?ll try to accommodate your needs.


As a gateway, Cardknox doesn?t provide accessories. However, if you?re using Cardknox as your processor and taking payments in person, the company sells EMV card terminals and is a reseller of a number of POS systems.


Cardknox is PCI compliant. It stores credit card information off-site, so its clients remain PCI compliant as well. The payment gateway utilizes a number of security mechanisms to keep consumers safe. Cardknox?s FraudShield technology scans transactions, approves them, and ensures you get paid no matter what. Its tokenization technique assigns a unique identifier to each transaction. Its multi-tokenization function allows the same token to be used across multiple Cardknox accounts.

Cardknox also uses 3D Secure. 3D Secure is a protocol that adds an extra layer of security by authenticating online credit card payments. Verified by Visa and MasterCard SecureCode are the two primary 3D Secure programs available from the credit card brands. The integration with 3D Secure is included automatically with Cardknox.

Helpful Links

Manufacturer?s Site

Product Features



  • Includes virtual terminal
  • Fraud prevention features
  • Recurring billing
  • Level III data
  • Mobile swiper support
  • Card storage vault
  • Hosted Checkout
  • Multi-currency support
  • Web Service API
  • Customized risk preferences
  • Real-time reports
  • Electronic invoicing

Cardknox Gateway Q&A

TSYS Merchant Solutions answer:

This is not something that we support. Please contact them directly for support.


Cardknox Gateway Reviews (2)

Do you know this product? Write a review about it
from Gretchen, on Aug 07, 2018

Best EMV in the industry. Hands down!! Amazing support team and super easy integration

from CardFellow, on May 04, 2016

The Cardknox gateway has plenty of good features like a card updater and gateway emulation. It can also be used with different processors, so you're not locked into an account with one company.

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