EMV® 3-D Secure

Learn how EMV 3DS can help your online store authorize more orders and reduce fraud.

Paying with credit card on mobile phoneEMV® 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!

CardinalCommerce provides an industry leading solution, Cardinal Consumer Authentication (CCA), for Merchant authentication today, with many of the EMV 3DS enhancements.


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Merchant-Driven Rules

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:

3DS 2.0 Map

  • 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:


Leveraging Data

  • Real-time collection
  • Data validation per protocol
  • Reporting & Analytics
  • BIN Detection

Risk Control

  • 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
    Merchants pre-certification


  • Improved authentication speeds
  • BIN Intelligence & Monitoring
  • Post-Launch Authorization & Fraud Analysis
  • Reduction in false declines


CCA Supports 3DS 1.0 and 3DS 2.0How 3DS works

Cardinal data collection empowers Risk-Based Authentication, using enhanced data for risk decisioning

  • Transaction and checkout page information
  • Authentication information
  • Prior authentication information
  • Merchant risk information
  • Cardholder account information
  • Device information
  • Additional device information (directly from the browser)


To learn how your company can take advantage of EMV 3DS benefits today, call Cardinal at 877.352.8444 or contact us directly for more information.

EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.

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