+48 (58) 511 20 00


About Cardera

Cards and Terminals Services Center

COKiT operates in the market since 2007.

Before 1st October 2017, COKiT operated as part of Aplitt S.A. In connection with reorganization of Aplitt’s activities as a result of which a part of Aplitt — an independent business unit, i.e. the Cards and Terminals Services Center — has been brought to a newly established limited company as organized part of the enterprise,  wholly owned by Aplitt S.A.

We have extensive capabilities to deliver services and innovative solutions for banks and financial institutions, national payment institutions, card settlement agents, card issuers, providers of financial services, acquirers, providers of payment services, manufacturers of terminals, members of international payment organizations, payment integrators, both in Poland and abroad.

The scope of our services includes card issuing and management of card-related services, management of ATMs, POS terminals as well as processing, authorization and settlement of POS, e-commerce, m-commerce transactions.
COKiT has flexible and functional systems managed by highly qualified specialists and experts. Partners using our services are guaranteed to benefit from our professionalism, individual approach and high quality service.

We are the owner of an authorization and settlement system and card management system certified by Visa and Mastercard. We own and operate direct connectivity to Visa and Mastercard systems (Payment System Connectivity) via VEAS and MIP respectively. We provide our services in payment organizations as a Visa Scheme Processor in Visa and a Third Party Processor in Mastercard.

Why to cooperate with COKiT?

Innovative and flexible systems

We have modern and functional systems certified by the international payment organizations, Visa / Mastercard, meeting the highest security standards. A flexible approach and involvement in each and every project provides our Partners with many alternative solutions to adapt products and services to their individual needs, such as defining new products, parameterized according to their requirements.

Professional and experienced team

COKiT  has a professional  and committed team with long experience in the payments business. We have extensive knowledge, expertise, know-how about handling payments, introduction of new solutions and technologies. Our specialists provide customization and development of systems in line with market trends. We will also take the role of comprehensive management of any project.

We will be glad to learn the needs of our future Partners to propose cooperation in the field in which we are the experts.

Security of provided services

The security of processed information is very important to us and therefore we strive to provide our Partners and Customers with the highest level of security and quality of our services in compliance with the requirements of payment organizations and regulators.

Compliance with PCI Standards

In respect of the security of the card data processed, our systems and provided services meet the requirements of the standard established by the Payment Card Industry Security Standatds Council in respect of the Data Security Standards (PCI DSS). This standard ensures a high and consistent level of security of the systems and processes in which card data is processed, in terms of confidentiality, integrity and accessibility of data.
The environment used for payment cards services is audited for compliance with the PCI DSS standards. The audit is conducted regularly every year and confirmed by an appropriate certificate.

Please feel welcome to read about our capabilities in the area of comprehensive handling  of Visa and Mastercard issuing and acquiring processes – card issuing and management, transaction processing, development and management of the network of ATMs and POS terminals.


cardera logo stopka en

Head Office

Cardera sp. z o.o.
Arkońska 11, 80-387 Gdańsk

Phone Numbers

Tel. +48 (58) 511 20 00
Fax +48 (58) 511 20 01


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