Cardinal's fast, secure payment authentication creates a rewarding shopping experience for all…

Man with Headphones
  • Merchants
  • Issuers

Thousands of merchants and issuers, authenticating billions of transactions a year, choose Cardinal. Why? Because we're taking on fraud and false declines.

The sunset of 1.0.2 is coming

This October marks the sunset of 3DS 1.0 except in countries with network extensions. When the sunset occurs, the Directory Server will no longer be able to support 3DS 1.0 transaction requests, and Cardinal will sunset 3DS 1.0 and all its features.

learn more about the sunset

Let's get started.

Thinking about EMV® 3DS? Here's the way to launch an authentication strategy without jeopardizing your customers' experience.

request a demo

Let's talk numbers.

You like your privacy and we protect our clients privacy as well. But, here's what we can tell you…

Network web

~900M authenticated transactions representing $225B of purchase volume

2.5 billion

transactions for $275B purchase volume

Shopping cart

BINs issued from 263 countries and acquired in 85 countries with 35K merchants.


unique PANs authenticated across our network


unique Merchant ID/ Acquirer ID combinations

News + trends

The Latest Stuff
  • industry news

    Understanding ECI values – An important step in your authentication strategy

    The Electronic Commerce Indicator (ECI) is a value returned by the Directory Server and ACS indicating the outcome of authentication requested on transactions for EMV® 3-D Secure.

    read more
  • our stories

    A year like no other. And what’s to come.

    From a pandemic to civil unrest - to a presidential election wrapping up in December - this was one doozy of a year, full of more twists and turns than we knew what to do with. But we made it.

    read more
  • case study

    Clothing and Footwear Benchmark

    Learn how authentication affects Card-not-Present authorization rates and key statistics on fraud in the clothing and footwear industry.

    read more
  • mandates

    PSD2 SCA Dates and Solutions

    Find out why now’s the time to tackle PSD2 SCA head on to meet the upcoming 12.31.20 deadline - and how we can help.

    read more
  • webinars

    The Power of Connection

    Join the conversation as Matt and Susan talk about the power of connection between merchants and issuers, the importance of data-sharing, and how EMV® 3-D Secure delivers more data for better payment decisioning. Watch the replay now.

    read more