Who is CardinalCommerce?
Founded in 1999, Mike and Tim joined together and brought Chandra on, and these three guys set sail with their good ideas, charm and a checkbook. Cardinal has grown to become a global leader in enabling authenticated payments, secure transactions and alternative payment brands, and on December 1, 2016, an announcement was made that Cardinal would be acquired by Visa. As of February 1, 2017, Cardinal is a wholly-owned subsidiary of Visa.
Our products are used globally: across 6 continents (Africa, Asia, Australia, Europe, North America and South America), in more than 200 countries and in more than 180 different currencies. However, this growth has never stopped us from staying focused on the single, most important thing – taking care of our Customers. We do this by providing 24/7 customer service and support from our very own in-house staff located in Cleveland, Ohio.
We partner with a variety of payment brands, processors, shopping carts, gateways and order management systems to provide an array of options for our Customers to choose from. Each partner provides unique service opportunities for our Customers so that they are able to choose which platform fits their needs the best. Additionally, we continue to provide safe, secure solutions for the eCommerce and mCommerce industries.
Cardinal is consistently focused on providing safe and secure solutions to our Customers. We are an innovative company that is always looking for ways to FutureProof™ our Customers’ business. If you are interested in learning how Cardinal can help improve your business, reach out to us. We are ready to help.
Hear Founder Mike Keresman tell the Cardinal Story below.
Our People Our Story
Hear Cardinal's story and meet some of our people.
Where in the World?
It might sound hokey, but we love what we do and we love where we live. As a global company, we could have selected anywhere in the world to set up our headquarters. But we didn’t just pick anywhere. We chose to be headquartered in Cleveland, Ohio, because we are Clevelanders. We wanted to do something in our hometown.
Cleveland attracts talented individuals, expanding corporations and international thought-leaders across a wide array of industries. Cleveland, Ohio is not a city of the past, but a growing metropolis of the future. We at CardinalCommerce enjoy being a part of that boom.
What we do
Cardinal offers unparalleled flexibility in authentication with a configurable rules engine on our Centinel Platform. This is displayed through our Payments Ecosystem below.
This approach, driven by years of experience and feedback from both merchants and financial institutions, enables our Customers to choose which transactions to authenticate based on a set of filters that control fraud and maximize sales.
"When I was young, I dreamed I worked for an important company in Cleveland named Cardinal. That dream came true. Bringing some really smart people together at Cardinal, we came up with ideas that no one else had thought of, and received patents for our authentication and tokenization technology development. In just 15 years we have grown into a successful business, processing billions of transactions securely. This is a testament to our commitment to our Customers and our dedication FutureProofing the payments industry."
Hear Founder Mike Keresman tell the Cardinal Story below.
Michael A. Keresman, III
"When Cardinal was started, we were one of the first companies involved in providing safe and secure eCommerce transactions. We have been recognized as authorities in the remote payments space, due to our dedicated and knowledgeable team. As a result of this, we are often invited to speak at industry events and meet and collaborate with many of our industry peers. Today, we are the leaders in protecting our Customers’ businesses. It’s a satisfying feeling. One I knew we would always achieve."Tim Sherwin
Co-Founder, Chief Executive Officer
"Cardinal anticipated challenges in the card-not-present industry, and built our technology with this flexibility in mind. The products and services we offer our Customers evolve with the payment industry. With EMV rolling out in the US, the rise of tokenization and multi-factor authentication methods, our platforms are positioned to deliver the benefits of these advancements to our Customers."Chandra Balasubramanian
Co-Founder, Executive Vice President, Chief Technology Officer
Cardinal's Early Contributors
Cardinal would like to recognize the employees who have been with us since the very early years, and have worked in many technology, product development and Customer-facing roles to make CardinalCommerce who we are today.
In the early days, each of these employees did a little of everything … and a lot of amazing and visionary work. They are still with us today, and their passion and experience, combined with the rest of the staff, keeps Cardinal innovating as a global leader and pioneer.
We salute them!
Neumore Renee Galinac Adam Ratica Phil Romano John Schick Maggie O'Neil Eric Goodman Ryan Hopkins
Don't Take Our Word for It
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.
Connecting with CardinalCommerce's Centinel has been a huge success for Boscovs.com. Incorporating consumer authentication into our online store has increased sales, greatly reduced chargebacks, and has reduced our overall costs with savings in our interchange fees. Our partnership with the Cardinal team fits perfectly with our corporate values: Cardinal's focus is always the customer, like Boscov's, and they are part of the Boscov's family.
I've been in business since 1993. I have never had such a great experience with any other commerce company than what I've found with Cardinal. Their product is fantastic, but what I love most about them is their customer service, extreme attention to detail and follow-up. If you are going to be successful in the online merchant world, you will need Cardinal on your side.
College Web Media
Each partner provides unique service opportunities for our Customers so that they are able to choose which platform fits their needs the bestContact Us
The CardinalCommerce Story
Cardinal is founded, April 1, 1999
First patents filed
Craig Newmark founded Craigslist
Launch of eDiscreet, an alternative payment brand
Top worldwide computer systems provider dell.com's online sales hit $40 million a day.
Amazon.com posted first yearly profit
First patents granted (UK, Switzerland and Germany) for Secure and Efficient Payment Processing System
First partner contract with First Data
September: Granted patent in South Africa for Universal Merchant Platform for Payment Authentication
First patents granted in the US for Universal Merchant Platform for Payment Authentication, and for Centralized Identity Authentication for Electronic Communication Networks
First tweet was sent out by Jack Dorsey, who founded Twitter -- "just setting up my twttr".
2007: Apple iTunes
Apple surpassed one billion iTunes downloads
Launched 2IDentiFI, our authentication platform for Financial Institutions
Granted patent in South Africa for System and Method for Conversion Between Internet and Non-Internet Based Transactions
Google's crawler reached 1 trillion pages
Bitcoin: A hotly debated topic that is designed to transfer value over the internet instead of information
Quarter 1: Granted patent in South Africa for Method and/or System for Extending Payment System Architectures and/or Legacy Order Processing Systems to Mobile Commerce Applications via Text Messaging
Quarter 4: Granted 2 US patents
Started doing business with PayPal
Facebook over took MySpace to become the internet's largest social network
Zappos.com acquired by Amazon.com for $928 million
Granted 3 US patents
US mobile commerce tops $3 billion
Quarter 1: Granted 2 US patents
August: Granted 1 US patent and 1 international patent
December: Granted 5 international patents
LinkedIn reaches 100M users
Quarter 1: Granted 1 US patent and 2 international patents
May: Granted 2 US patents
August: Launched CustomerConnect, a new addition to Cardinal MAX for mobile marketing and commerce
September: Granted Australian patent for System and Method for Conversion Between Internet and Non-Internet Based Transactions
October: Cardinal launched our rules-based Consumer Authentication solution
December: Cardinal received an investment from Primus Capital Funds
US eCommerce and online retail holiday sales reached $33.8 billion, up 13 percent
March: Awarded MRC METAward for Cardinal Consumer Authentication
Quarter 2: Granted 2 international patents
Quarter 3: Granted 2 international patents
Quarter 4: Granted 1 international patent
Cardinal launched the Universal Wallet API, to give merchants choice in adding digital wallets as payment options
February: Cardinal granted 3 new US patents for Secure and Efficient Payment Processing System; and for Universal Merchant Platform for Payment Authentication
2014: India eCommerce
India's e-commerce industry grew more than 30% from a year earlier to $12.6 billion in 2013
April: Cardinal joins EMVCo
Auth Bridge launched; works hand in hand with CCA and helps PSPs navigate the complex authentication landscape
December: Cardinal increased transaction volume by 40% for Black Friday sales
August: PayPal accepts POS readers at your store today
August: MasterPass launches SelfiePay Biometrics pilot
August: Javelin publishes False Positives case study - a $118 billion problem in the industry
October: EMV liability shift, the deadline in the US
December: Holiday shopping transactions break record!
May: Cardinal wins first-of-its kind CNP Customer Choice Award for best Identity Verification and Authentication
September: Cardinal expands patents in Japan and U.S.
Alice decision helps wave the tension with tech and fin-tech securing patents
December: Visa announces plan to acquire CardinalCommerce
February: Cardinal is officially a wholly-owned subsidiary of Visa
The Brown-Yanowitz Award of Excellence
Cardinal's employees are smart, hard-working and most of all, Customer-centric. Find out about how we honor our late friends Chris Brown and Bennett Yanowitz by recognizing an employee who shares their vision, passion and dedication, and meet our winners.
At Cardinal we work hard. We work together as a team to meet deadlines and achieve goals. And when we say "We work together," we really mean it. Everyone, at every level, rolls up their sleeves and dives in to get a project done. "Why" you might ask. Because our Customers are our #1 focus. So we are not happy until our Customers are happy.
But Cardinal isn’t all work and no play – we play hard, too. We celebrate our victories, large and small, with company meetings, parties and happy hours. We are a family that resides in a suburb of Cleveland, Ohio, and we wouldn’t have it any other way. Experience for yourself the serious, and also fun side of Cardinal.
What's Next? You!
At Cardinal we are always looking for great talent. If you are interested in joining a fast growing, fun loving, team oriented company, then you have come to the right place. Click on the Careers button below to view our job openings. If you don’t see a position that fits your skills at the moment, just drop us a line at firstname.lastname@example.org. You never know what the future may hold.Careers