Learn how EMV 3DS can help your online store authorize more orders and reduce fraud.
EMV® 3-D Secure (EMV 3DS) is an updated set of protocols designed to authenticate Card-Not-Present transactions to reduce fraud and false declines with a friction-free checkout experience for consumers.
EMV 3DS enables merchants and card issuers to use what each knows about their mutual consumer to make better risk decisions. EMV 3DS uses hundreds of data points from the issuer and from the merchant to authenticate 95%+ transactions behind the scenes, with no checkout friction for the consumer, from any device. The result is more good orders and more happy buyers!
Cardinal’s rule engine gives merchants choice and control over the checkout experience. CCA provides real-time data about the issuer’s authentication method, which offers merchants insight into what transactions to allow for authentication, or what transactions to bypass authentication based on balancing the consumer checkout experience, risk of transaction and merchant knowledge of their fraud risk.
Merchant-Driven Rules are Customizable by Merchant:
Required and optional data fields can be used to customize merchant rules
Merchants can pass additional data fields from the consumer, that could become a transaction rule, such as: the price of an item, a specific SKU, or shipping destination.
Merchants benefit from Cardinal Consumer Authentication in many ways:
Data validation per protocol
Reporting & Analytics
Merchant-driven rule management
Friction-free consumer experience
More authenticated orders
Regional mandates/requirement support
Protocol routing between 1.0 & 2.0
Enables 2.0 experience now
Engaging for Pilots with Networks, Issuers and
Improved authentication speeds
BIN Intelligence & Monitoring
Post-Launch Authorization & Fraud Analysis
Reduction in false declines
CCA Supports 3DS 1.0 and 3DS 2.0
Cardinal data collection empowers Risk-Based Authentication, using enhanced data for risk decisioning
Transaction and checkout page information
Prior authentication information
Merchant risk information
Cardholder account information
Additional device information (directly from the browser)