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.

Cardinal Centinel® enables payment brands such as Verified by Visa, MasterCard® SecureCode®, PayPal™, eBillme™, Bill Me Later®, Google Checkout, MyECheck, NACHA® Secure Vault Payments (SVP), Ukash and more to a network of over 30,000 merchants and merchant service providers.

Our mobile commerce platform, branded Cardinal MAX™, makes it easy for merchants to sell through mobile commerce by linking them directly with consumer mobile phones.  Cardinal's proprietary and easily deployable technology provides consumers, merchants, credit/debit card issuers, and processors the ability to conduct authenticated Internet, wireless and mobile transactions safely and securely.

Headquartered in Cleveland, Ohio, with facilities in the United States, Europe and Africa, Cardinal services a worldwide customer base.

Market Background

eCommerce continues to grow at over 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 authentication and secure alternative payment methods have arisen quickly.  These solutions, such as Verified by Visa, MasterCard SecureCode, PayPal, Google Checkout, 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 addtional 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 (Verfied 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 Checkout, MyECheck, NetCash 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 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.  Merchants that use our software include Travelocity, Dell, Sharper Image, Yahoo! Travel, Continental, Xerox, Western Union, SkyMall, Hotwire, Ritz Interactive, TigerDirect, NewEgg, Symantec, Pulse EFT and many others.  All of these merchants pass their transactions into our platform where we enable authentication and/or access to alternative payment brands with one simple implementation for the merchant.  At the same time we work with financial service providers such as Chase Paymentech, First Data, FNBO, PayPal, Google Checkout and others to power various ecommerce and mobile commerce authenticated transaction services.

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