A leader in digital commerce
technology and payment
authentication.

For Issuers For Merchants

Are You Thinking About EMV® 3-D Secure?

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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EMV® 3-D Secure

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

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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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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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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The Emergence of a New, Data-Centric Approach

Today, in pretty much any field, data is an import ingredient. In the digital payments industry, data has been crucial for some time now, especially when it comes to assessing the risk of digital transactions. But in the past, there was a disconnect and a lack of communication between the main stakeholders involved in a digital transaction: the issuer and the merchant.

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SCA Exemptions and a Seamless User Experience in a Data-Driven World

Today, when consumers shop online, they often know what they want, and they don’t want any unnecessary forces disturbing that process. At the same time, they also want assurances that they can conduct online transactions in a safe and secure environment. While it’s difficult to effectively strike a balance between these two things, there are many steps being taken to optimize and secure this process.

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