About CardinalCommerce Corporation

CardinalCommerce Corporation is the global leader in enabling authenticated payments, secure transactions and alternative payment brands for both eCommerce and mobile commerce.

The Cardinal Centinel® software platform enables payment brands, such as Alipay, Amazon Payments™, Bill Me Later®, China UnionPay, ClickandBuy®, EBANX, Ebates™, eLayaway™, Get Financing, Google™ Wallet, Green Dot® MoneyPak®, Klarna, MasterCard MasterPass, Mazooma™, MyECheck, Oink, Openbucks, PayPal, PayFone, PaySafeCard, Paymate, SafetyPay™, Skrill, SVP, TeleCheck®, uKash™, Universal PIN Debit, V.me, Western Union, WU Pay®, Zipmark and ZipZap, to a network of thousands of merchants and merchant service providers.

The Cardinal MAX™ mobile platform provides retailers, financial institutions and processors the ability to extend traditional commerce, marketing and banking into the mobile channel. Cardinal MAX Customers are able to safely and securely conduct business in the mobile space via SMS, mobile internet and mobile applications.

CardinalCommerce is headquartered in Cleveland, Ohio. With facilities in the United States, Europe and Africa, Cardinal services a worldwide Customer base. For more information, visit www.cardinalcommerce.com

Market Background

eCommerce continues to grow at more than 30% per year. Along with this rapid expansion, there has been a continued growth in Internet fraud and consumer concerns about security. In response to this trend, numerous new tools for Consumer Authentication and secure alternative payment methods have arisen quickly. These solutions, such as Verified by Visa, MasterCard SecureCode, PayPal, Google Wallet, Bill Me Later, and others help merchants and banks lower processing cost, improve security and convert more browsers into buyers. However, implementation challenges limit the market adoption of these solutions. Merchants are faced with the complexity of implementing numerous payment types while keeping them up to date. This adds additional challenges to merchants due to the possible high costs involved in adopting the new solutions.

CardinalCommerce has developed the industry leading solution for merchants, shopping carts, gateways, acquiring banks, processors and issuing banks to make it easy to implement the payment authentication initiatives (Verified by Visa and MasterCard SecureCode) to gain the benefits of Consumer Authentication, lower fees, guaranteed payment and ultimately reduced fraud. At the same time, our platform provides support for all the most current alternative payment brands such as Bill Me Later, PayPal, Google Wallet, MyECheck and Green Dot MoneyPak. Cardinal provides the only hosted solution where one simple integration to our platform provides access to all the authentication and payment brands for eCommerce and mobile commerce.

Industry Expertise

Cardinal has developed a unique expertise helping merchants, merchant service providers, and banks ease the challenges with integrating payment brands that utilize Consumer Authentication. By leveraging our technology and knowledge, we have built solutions to overcome the technical challenges in accepting these brands due to technical complexities created by the numerous entities in the transaction value chain such as shopping carts, gateways, order management systems, processors, banks and payment networks.

A Record of Success

Cardinal has developed close partnerships with leading players in the entire transaction value chain. All of our merchants pass their transactions into our platform where we enable Consumer Authentication and/or access to alternative payment brands with One Connection to Cardinal. At the same time, we work with financial service providers such as Chase Paymentech, First Data, FNBO, PayPal, Google Wallet and others to power various eCommerce and mobile commerce authenticated transaction services.

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