Typically this happens when the native libraries are not in the project's libs directory. The structure should look as follows, which will happen if you unzip the sdk into your project's directory.
$ ls libs/*
libs/card.io.jar
libs/armeabi:
libcardioDecider.so
libs/armeabi-v7a:
libcardioDecider.so libcardioRecognizer.so libcardioRecognizer_tegra2.so libopencv_core.so libopencv_imgproc.so
libs/mips:
libcardioDecider.so
libs/x86:
libcardioDecider.so