3-D Secure done right.

For over two decades, we’ve been delivering innovative payment authentication solutions for both issuers and merchants.

For Issuers For Merchants

Are you ready for PSD2 SCA?

Our 3-D Secure solution fulfills the SCA requirement of PSD2 for merchants doing business in the European Economic Area.

Get the SCA Solution Brief

Notice something different?

We have a new look and feel, but the same focus on authentication. Join us on our journey.

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Authorization lifts by industry: Find out how authentication impacts authorization for selected vertical markets. New Study! Entertainment and Ticketing.


Payment authentication is what we do. For over two decades, we’ve been bringing merchants, issuers, and shoppers together in an experience where everybody wins. This is 3-D Secure done right.

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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EMV® 3-D Secure is Here!

EMV® 3-D Secure 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

PSD2 SCA Checklist Cover - CardinalCommerce

PSD2 SCA Checklist

Navigating the changing payments landscape and mandates like PSD2 SCA can be complex. We've created a checklist with the questions you should ask before you choose an authentication solution. Download our checklist today.

Download the checklist

Cover art for PSD2 SCA starter sheet - CardinalCommerce

PSD2 SCA starter sheet

Find out what PSD2 SCA is all about, who should care, and how it will effect you. We have put together a quick PSD2 SCA starter sheet to help you get started. Download now and find out how our solution can help solve for PSD2 SCA.

Download now

CardinalCommerce Announces First Live EMV® 3-D Secure Transactions

CardinalCommerce completed its first series of EMV® 3-D Secure transactions with three major payment networks—American Express, Mastercard and Visa. The transactions are the company’s first to be successfully completed using EMV 3-D Secure technology leveraging the 2.1 protocol with real cardholders on live merchant websites, without the use of test accounts or simulators. The transactions were completed as part of an early adopter program where merchants and issuers have enabled EMV 3-D Secure using CardinalCommerce’s solutions.

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Sabre and CyberSource, a Visa Solution, Partner to Simplify and Secure Payments for Travel Industry

Visa is excited to announce a strategic global partnership with Sabre, the leading technology provider to the travel industry. Sabre will utilize CyberSource, Visa’s payment management platform, to bring an integrated travel reservation and fraud management solution to airlines, hotels, travel agencies and other travel organizations worldwide.

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We're Still Talking About Data!

I’m back!

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Happy Fourth of July!

We’re now in the thick of the summer, which means it’s time for more outdoor activities with friends and family! Since we’re just two days away from July 4th, we wanted to take this opportunity to wish all of our loyal readers in the U.S. a happy, healthy Fourth of July!

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