Who is CardinalCommerce?

Founded in 1999, Mike and Tim joined together and brought Chandra on, and these three guys set sail with their good ideas, charm and a checkbook. Cardinal has grown to become a global leader in enabling authenticated payments, secure transactions and alternative payment brands.

Our products are used globally: across 6 continents (Africa, Asia, Australia, Europe, North America and South America), in more than 200 countries and in more than 180 different currencies. However, this growth has never stopped us from staying focused on the single, most important thing – taking care of our Customers. We do this by providing 24/7 customer service and support from our very own in-house staff located in Cleveland, Ohio.

We partner with a variety of payment brands, processors, shopping carts, gateways and order management systems to provide an array of options for our Customers to choose from. Each partner provides unique service opportunities for our Customers so that they are able to choose which platform fits their needs the best. Additionally, we continue to provide safe, secure solutions for the eCommerce and mCommerce industries.

Cardinal is consistently focused on providing safe and secure solutions to our Customers. We are an innovative company that is always looking for ways to FutureProof™ our Customers’ business. If you are interested in learning how Cardinal can help improve your business, reach out to us. We are ready to help.

Hear CEO Mike Keresman tell the Cardinal Story below.

Cardinal Video
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Founders

Where in the World?

It might sound hokey, but we love what we do and we love where we live. As a global company, we could have selected anywhere in the world to set up our headquarters. But we didn’t just pick anywhere. We chose to be headquartered in Cleveland, Ohio, because we are Clevelanders. We wanted to do something in our hometown.

Our Team

Cleveland attracts talented individuals, expanding corporations and international thought-leaders across a wide array of industries. Cleveland, Ohio is not a city of the past, but a growing metropolis of the future. We at CardinalCommerce enjoy being a part of that boom.

What we do

Cardinal offers unparalleled flexibility in authentication with a configurable rules engine on our Centinel Platform. This is displayed through our Payments Ecosystem below.

Flow Chart

This approach, driven by years of experience and feedback from both merchants and financial institutions, enables our customers to choose which transactions to authenticate based on a set of filters that control fraud and maximize sales.

Industry Pioneers

  • Mike
  • "When I was young, I dreamed I worked for an important company in Cleveland named Cardinal. That dream came true. Bringing some really smart people together at Cardinal, we came up with ideas that no one else had thought of, and received patents for our authentication and tokenization technology development. In just 15 years we have grown into a successful business, processing over two billion transactions securely. This is a testament to our commitment to our Customers and our dedication FutureProofing the payments industry."  
    Hear CEO Mike Keresman tell the Cardinal Story below.

    Cardinal Video
    Michael A. Keresman, III
    Founder, Chairman, CEO, President and Chief Customer Advocate
  • "When Cardinal was started, we were one of the first companies involved in providing safe and secure eCommerce transactions. We have been recognized as authorities in the remote payments space, due to our dedicated and knowledgeable team. As a result of this, we are often invited to speak at industry events and meet and collaborate with many of our industry peers. Today, we are the leaders in protecting our Customers’ businesses. It’s a satisfying feeling. One I knew we would always achieve."
    Tim Sherwin
    Co-Founder, Executive Vice President
  • Chandra
  • "Cardinal anticipated challenges in the card-not-present industry, and built our technology with this flexibility in mind. The products and services we offer our Customers evolve with the payment industry. With EMV rolling out in the US, the rise of tokenization and multi-factor authentication methods, our platforms are positioned to deliver the benefits of these advancements to our Customers."
    Chandra Balasubramanian
    Co-Founder, Executive Vice President, Chief Technology Officer

Cardinal's Early Contributors

Cardinal would like to recognize the employees who have been with us since the very early years, and have worked in many technology, product development and client-facing roles to make CardinalCommerce who we are today.

In the early days, each of these employees did a little of everything … and a lot of amazing and visionary work. They are still with us today, and their passion and experience, combined with the rest of the staff, keeps Cardinal innovating as a global leader and pioneer.

We salute them!

Jaime Howard Chris Baird Andrew Heiss Mary Ballard Matt
Sobey
Mike
Roche
Renee Galinac Dorjan
Scott
Adam Ratica Phil Romano John Schick Maggie O'Neil Eric Neumore Eric Goodman Ryan Hopkins

Don't Take Our Word for It

Cardinal's Consumer Authentication service is so much more than an MPI. As a large enterprise merchant, we have seen how complex the payments ecosystem can be and how problems can arise if you aren't an industry expert. Cardinal has done an excellent job solving our problems and helping us manage our updated Consumer Authentication program.
GSI
Connecting with CardinalCommerce's Centinel has been a huge success for Boscovs.com. Incorporating consumer authentication into our online store has increased sales, greatly reduced chargebacks, and has reduced our overall costs with savings in our interchange fees. Our partnership with the Cardinal team fits perfectly with our corporate values: Cardinal's focus is always the customer, like Boscov's, and they are part of the Boscov's family.
Boscov's
CardinalCommerce has continued to be a superb partner for Travelocity. Excellent service, combined with a responsive, and knowledgeable staff, make their solution one that we have benefited from through the years.

CardinalCommerce has earned many awards which is a testament to both the technology they offer, and the level of customer service and professionalism of their staff.
Travelocity
CardinalCommerce makes consumer authentication easy! Speaking as merchant and a consumer I can say that the Verified by Visa and MC Secure Code solutions they manage are a practical fraud prevention tool. Online credit card fraud trends upwards year after year causing millions of dollars in losses to businesses and financial institutions. This simple process enables the merchants to authenticate the cardholders instantly and reduces the need to reach out to verify information with the customer before shipping an order, which can cause unwanted delays. I’m glad I can count on these services; hopefully more banks continue to participate with them.
Tiger Direct

Wanna Chat?

Each partner provides unique service opportunities for our customers so that they are able to choose which platform fits their needs the best

Contact Us

CardinalCommerceThe CardinalCommerce Story

CardinalCommerce

Internet Milestones

1999

1999: CardinalCommerce

Cardinal is founded, April 1, 1999


First patents filed

Internet Milestones

1999: Craigslist

Craig Newmark founded Craigslist

2000

2000: CardinalCommerce

Launch of eDiscreet, an alternative payment brand

2000: Dell

Top worldwide computer systems provider dell.com's online sales hit $40 million a day.

2001

2001: Wikipedia

Wikipedia launched.

2003

2003: CardinalCommerce

500,000 transactions processed securely

2003: Amazon

Amazon.com posted first yearly profit

2004

2004: CardinalCommerce

First patents granted (UK, Switzerland and Germany) for Secure and Efficient Payment Processing System

2005

2005: CardinalCommerce

First partner contract with First Data


May: 10 million transactions processed securely


September:  Granted patent in South Africa for Universal Merchant Platform for Payment Authentication

2005: YouTube

YouTube.com launched

2006

2006: CardinalCommerce

First patents granted in the US for Universal Merchant Platform for Payment Authentication, and for Centralized Identity Authentication for Electronic Communication Networks

2006: Twitter

First tweet was sent out by Jack Dorsey, who founded Twitter -- "just setting up my twttr".

2007

2007: CardinalCommerce

March: 50 million transactions processed securely

2007: Apple iTunes

Apple surpassed one billion iTunes downloads

2008

2008: CardinalCommerce

Surpassed 100 million transactions processed securely


Launched 2IDENTIFI, our authentication platform for Financial Institutions


Granted patent in South Africa for System and Method for Conversion Between Internet and Non-Internet Based Transactions

2008: Google

Google's crawler reached 1 trillion pages

2009

2009: CardinalCommerce

January: Granted patent in South Africa for Method and/or System for Extending Payment System Architectures and/or Legacy Order Processing Systems to Mobile Commerce Applications via Text Messaging


October: Granted US patent for Dynamic Number Authentication for Credit/Debit Cards


November: Granted US patent for Affinity Shopping Portal


Started doing business with PayPal

2009: Facebook

Facebook over took MySpace to become the internet's largest social network

2009: Zappos

Zappos.com acquired by Amazon.com for $928 million

2010

2010: CardinalCommerce

Surpassed 500 million transactions securely processed


April: Granted US patent for Universal Merchant Platform for Payment Authentication


June: Granted US patent for Secure and Efficient Payment Processing System


September: Granted US patent for Centralized Identity Authentication for Electronic Communications Networks

2010: Mobile

US mobile commerce tops $3 billion

2011

2011: CardinalCommerce

January: Granted US patent for Method and/or System for Extending Payment System Architectures and/or Legacy Order Processing Systems to Mobile Commerce Applications via Text Messaging


February: Granted US patent for Method and/or System for Extending Payment System Architectures and/or Legacy Order Processing Systems to Mobile Commerce Applications via Text Messaging


August: Granted US patent for Dynamic PIN Pad for Electronic Transactions


August: Granted Australian patent for its Universal Merchant Platform for Payment Authentication


December: Granted patent in Japan for Secure and Efficient Payment Processing System


Granted four patents in South Africa: Text-to-Buy WAP Application Server; System and Method for Tracking User Identity and/or Activity Across Multiple Websites; Universal Payments Dashboard; and Intelligent Directory Server Routing

2011: LinkedIn

LinkedIn reaches 100M users

2012

2012: CardinalCommerce

January: Granted US patent for Secure On-Line Authentication System for Processing Prescription Drug Fulfillment; granted Canadian Patent for Centralized Identity Authentication for Electronic Communication Networks


February: Granted Australian patent for Method and/or System for Extending Payment System Architectures and/or Legacy Order Processing Systems to Mobile Commerce Applications via Text Messaging


March: Granted a patent in Australia for Web Terminal and Bridge that Support Passing of Authentication Data to Acquirer for Payment Processing; and US patents for Universal Merchant Platform for Payment Authentication, and Method and/or System for Extending Payment System Architectures and/or Legacy order Processing Systems to Mobile Commerce Applications via Text Messaging


May: Cardinal hit transaction milestone – 1 billion transactions processed securely


May: Granted US patent for Secure and Efficient Payment Processing System


August: Launched CustomerConnect, a new addition to Cardinal MAX for mobile marketing and commerce


September: Granted Australian patent for System and Method for Conversion Between Internet and Non-Internet Based Transactions


October: Cardinal launched Centinel Select, our rules-based Consumer Authentication solution


November: Granted US patents for Centralized Identity Authentication for Electronic Communication Networks, and Intelligent Server Routing; granted Australian patent for Text-to-Buy WAP Application Server


December: Cardinal received an investment from Primus Capital Funds

2012: eCommerce

US eCommerce and online retail holiday sales reached $33.8 billion, up 13 percent

2013

2013: CardinalCommerce

March: Awarded MRC METAward for Cardinal Centinel Select


May: Granted patent in Japan for System and Method for Conversion Between Internet and Non-Internet Based Transactions


June: Granted Canadian patent for Secure and Efficient Payment Processing System


July: Granted patent in Japan for Method and/or System for Extending Payment System Architectures and/or Legacy Order Processing Systems to Mobile Commerce Applications via Text Messaging


September: Granted patent in South Africa for Method and System for Order Management System Encryption


October: Granted patent in Japan for Secure and Efficient Payment Processing System


Cardinal launched the Universal Wallet API, to give merchants choice in adding digital wallets as payment options

2014

2014: CardinalCommerce

February: Cardinal granted 3 new US patents for Secure and Efficient Payment Processing System; and for Universal Merchant Platform for Payment Authentication


March 21: exceeded 2 billion transactions processed securely!


April 1: celebrated 15 years of keeping the remote payments space safe

2014: India eCommerce

India's e-commerce industry grew more than 30% from a year earlier to $12.6 billion in 2013