Cardinal Software acts as a service provider and partner for ADIB Merchant Services, supplying businesses across the UAE with point-of-sale (POS) terminals, card payment solutions, and merchant accounts, effectively enabling companies to process credit and debit card transactions through the Abu Dhabi Islamic Bank (ADIB) network.

Cardinal relationship is a B2B partnership where Cardinal Software offers the technology and services, while ADIB provides the underlying banking and merchant account infrastructure, making Cardinal Software a key channel for ADIB's merchant services in the region.