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.

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3-D Secure done right.

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

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Authentication Matters

Find out how authentication impacts authorization across various industry verticals

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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! Public Transportation.


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 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 what's to come 14 September 2019.

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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.

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Everything you need to know about PSD2 Come Sep. 14

In this exclusive webinar, we cover the latest around PSD2, SCA and 3-D Secure. Experts from BlueSnap and Cardinal answer everything you need to know about the PSD2 directive & how it will impact your business.

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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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Merchant FAQs: You Asked, We Answer

The transformational change, from 3-D Secure 1.0 to EMV® 3-D Secure (formerly known as 3-D Secure 2.0), has raised a lot of questions. Over the course of the past three years, we’ve tried to address your questions and concerns as we’ve inched closer to implementation.

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How Will This Change Affect the Ecosystem?

The transition from 3-D Secure 1.0 to EMV® 3-D Secure (formerly known as 3-D Secure 2.0) may seem like a tricky, complicated change, however, it’s actually the opposite. Since the release of the EMV 3DS specifications, we have been working to make this shift as easy and seamless as possible for our customers and partners. But how is this change really going to affect our industry?

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