For over a decade, CardinalCommerce has been a worldwide leader in enabling eCommerce and mobile Commerce payment brands. Cardinal has taken that vast experience and applied it to the creation of Universal PIN Debit Service (UPDS), a unique technology which allows for a customized hardware and software solution for Internet PIN debit acceptance.
UPDS enables merchants, gateways and processors, debit networks, and banks the opportunity to provide their customers and clients versatility and convenience when accepting PIN debit online.
For more information, please email upds@cardinalcommerce.com
With UPDS, Merchants can:
- Easily activate UPDS through their Cardinal Centinel integration
- Accommodate new authentication methods with no change
- More easily assure PCI compliance
- Address identity theft concerns of customers
- Collect payment information, securely and conveniently
- Enable a new consumer preferred method of payment
- Capitalize on the benefits of tokenization
- Take advantage of the routing opportunities that result from the Durbin Amendment
- Enables all authentication technologies approved by Debit Networks’ through a single Centinel integration
- Quickly and easily transition card not present transactions to authenticated non-repudiatable transactions
Gateways/Processors can:
- Continue to use their existing processing infrastructure with little or no change
- Translate eCommerce/mCommerce transactions to “PIN debit” transactions simply by using the UPDS
- Maintain end to end control of merchants’ transactions, no disintermediation
- Quickly extend secured ecommerce transaction offering by partnering with a leading ecommerce solution provider
Debit Networks can:
- Have access to the thousands of merchants that have Cardinal Centinel integrated
- Choose the authentication technologies that may be used by cardholders for eCommerce and mCommerce purchases under the Network Rules
- Present the Network brand to consumers at the time of each purchase
- Enable Debit Networks to expand their market reach to environments which are traditionally card not present signature transactions
Financial Institutions can:
- Make a consumer preferred payment type available to cardholders for eCommerce and mCommerce purchases
- Choose the cardholder authentication method offered to each segment or individual in the debit card portfolio
- Present the Financial Institution brand to consumers at the time of each purchase
- Have another product in their PIN debit portfolio to manage fraud and limit risk
Look for the UPDS icon at checkout to pay with PIN debit online. 
 To get more details:
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