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technology and payment
authentication.

For Issuers For Merchants

Are You Thinking About 3DS 2.0?

Launch an authentication strategy without jeopardizing experience

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What About PSD2?

Use Cardinal’s rule engine to manage complex PSD2 requirements

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“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.”

- RADIAL

Authenticating Digital Transactions

Helping Merchants and Issuers build an authentication strategy to improve authorization rates, reduce fraud and false declines, without jeopardizing the consumer experience.

Cardinal Consumer Authentication

CCA gives merchants the ability to create customized, adjustable rules, from hundreds of different, enhanced data fields, that can help increase sales, improve margins and enhance the consumer experience.

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Visa Consumer Authentication Service

Visa Consumer Authentication Service is a data-driven hosted solution designed to support an issuer’s authentication strategies with their 3-D Secure program.

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3-D Secure 2.0

3-D Secure 2.0 is designed to enhance risk-based analysis, streamline the user experience and improve fraud detection, while supporting Strong Consumer Authentication (SCA) as a component of PSD2.

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Smarter digital commerce, realized

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Featured Resources

Payments A to Z - CardinalCommerce

Payments A to Z

“Payments A to Z” is a comprehensive collection of terms used by individuals within the payments industry. Over 140 different definitions can be found inside the exclusive glossary, allowing you to learn the language of financial transactions.

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Mastercard and Visa Chargeback Reason Codes

Mastercard and Visa Chargeback Reason Codes

We made you a "cheat sheet" on chargeback reason codes used by Mastercard and Visa, plus we included insights on what you can do to eliminate chargebacks!

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Fighting Fraud with a Smile

Brazil-based Banco Neon worked with Visa to launch a new authentication feature on its mobile banking app. With Neon and Visa’s technologies, account holders can verify their identity by taking a selfie for facial recognition or using a fingerprint or passcode.

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What you can do to stop CNP fraud

Check out the latest issue of Independent Banker as Cardinal's CEO, Tim Sherwin, explores what community banks can do to help their merchants and cardholders beat back the growing threat of card-not-present fraud.

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Webinar Recap:  What’s all the Buzz about 3-D Secure 2.0?

In an effort to help manage the rollout of 3-D Secure 2.0, Jaime Howard, Vice President, Global Product at CardinalCommerce, talked about what to expect with these protocols and some upcoming deadlines surrounding them in a recent webinar entitled, "What's all the Buzz about 3-D Secure 2.0?".

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Will 3-D Secure 2.0 Create Issues with Cart Abandonment?

The introduction of 3-D Secure 2.0 is a significant development for the entire digital payments industry. By improving several key areas, these protocols will elevate the whole digital commerce world.

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