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 drive digital commerce for our Customers’ businesses. If you are interested in learning how Cardinal can help improve your business, reach out to us. We are ready to help.
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 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 the upcoming launch of 3-D Secure, 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.
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
Launch of eDiscreet, an alternative payment brand.
First patents granted.
Amazon.com posted first yearly profit.
US and international patents granted.
Launched 2IDentiFI, our authentication platform for Financial Institutions.
First tweet was sent out by Jack Dorsey, who founded Twitter -- "just setting up my twttr".
Apple surpassed one billion iTunes downloads.
Facebook over took MySpace to become the internet's largest social network.
Granted US patents and international patents.
Cardinal launched our rules-based Consumer Authentication solution.
Cardinal received an investment from Primus Capital Funds.
Awarded MRC METAward for Cardinal Consumer Authentication.
Cardinal joins EMVCo.
Auth Bridge launched; works hand in hand with CCA and helps PSPs navigate the complex authentication landscape.
Cardinal saw transaction volume increase by 40% for Black Friday sales.
LinkedIn reaches 100M users
US eCommerce and online retail holiday sales reached $33.8 billion, up 13 percent.
PayPal accepts POS readers at your store today.
MasterPass launches SelfiePay Biometrics pilot.
Cardinal wins first-of-its kind CNP Customer Choice Award for best Identity Verification and Authentication.
Visa announces plan to acquire CardinalCommerce.
Alice decision helps waive the tension with tech and fin-tech securing patents
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 [email protected]. You never know what the future may hold.Careers