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

...starting with increased approvals and sales. how?

Our safe, seamless approach brings together a deeper level of merchant, issuer, and shopper data… reduce fraud and false declines. why?

When merchants sell more, shoppers buy more and issuers collect more…

everybody wins!

swipe to see what we are all about

  • 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.

Now, about those mandates.

From local regulations, to network mandates, to EMV® 3DS updates - navigating the everchanging payments landscape can be complex. Let us show you how Cardinal's success teams work closely with you to make the process as frictionless as possible for both you and your customers.

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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…


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

2.5 billion

transactions for $275B purchase volume


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

    EMV® 3-D Secure v2.1 vs v2.2: What issuers need to know

    There have been a lot of questions about the new versions of EMV 3-D Secure, whether issuers should adopt them (and when), and what the difference between them is (and how they are different from 3-D Secure 1.0).

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  • 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.

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  • 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.

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  • 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.

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  • events

    “Join” us as we compete for the title at the “Virtual Lions’ Den Champions Edition”

    The Virtual Lions’ Den Champions Edition is the place to see some of the latest solutions for the global airline and travel industry. Just to add some fun, this won’t be your average webinar.

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