The time is now.
Are you ready for PSD2 SCA?

Our 3-D Secure solution fulfills the SCA requirement of PSD2.

Protect your shopping cart Learn more

Increase good orders, reduce false declines and fraud

For over twenty years, issuers and merchants have enjoyed continued confidence that our payment authentication solutions help grow their cardholder relationships.

For Issuers For Merchants

New featured webinar replay:

Ready or Not: Important Dates for 3-D Secure

Watch the latest webinar now

On-demand webinars: Stay up-to-date with the evolving payments industry and watch our featured webinars at any time.

Start watching now

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

Make authentication simple(r)

Reduce false declines, increase approval rates, and deliver an engaging shopping 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.

Read more ›

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.

Read more ›

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.

Read more ›

Choose experience, choose Cardinal

Get started

Featured Resources

PSD2 SCA Beginner Guide

Your Beginner's Guide to PSD2's Strong Customer Authentication

In this guide, we'll walk you through what you need to know, so you understand how it affects you and your business. From grasping the basics to managing exemptions to implementing a solution, this Beginner's Guide to PSD2 SCA will prepare for PSD2 SCA.

Get your free copy today

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

Webinar Replay: Solution Design and Implementation Considerations for 3-D Secure

There’s a lot to uncover when it comes to implementing 3-D Secure. Join our experts as they discuss EMV® 3-D Secure’s improved solution design, requirements for implementation, timeframes and networks dates, and answer your questions about implementation.

Read more ›

Expert Interview: CardinalCommerce

We've been featured in the latest Payments & Cards Network Magazine Vol. 5 Issue 10. Our article features an expert interview with our own Tim Sherwin and Chandra Balasubramanian. Read it now.

Read more ›

Let's get started

Join the world’s leading brands in selecting Cardinal as your payment authentication solution.

Request a Demo