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  • industry news

    The Sunset of 3DS 1.0.2

    October 2022 will mark the second and final phase of the sunset of 3DS 1.0.2.

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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

    10 reasons PSD2 SCA and EMV® 3DS are NOT the enemy

    We know. You’ve heard all the scary old nightmare stories about 3DS 1.0 …. clunky to use, false declines, shopping cart abandonment, the list goes on and on. And now … PSD2 SCA.

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industry news

Cardinal Mobile SDK and the changing digital landscape

With the rapidly changing world of COVID-19, the shift to digital and connected devices has never been more important

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industry news

An IoT revolution is coming

All indications point toward an IoT revolution by 2025. According to Juniper Research, it is predicted that transactions on personal devices will increase by more than 400 billion in the next five years. Total transaction value from personal devices will likely double to $12 trillion.

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industry news

Apple Discontinues UIWebview

Apple has decided to replace one type of web control with another.

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industry news

False Declines

False declines represent good transactions (meaning would-have-been sales) that are declined due to suspicion of fraud. For the ecommerce merchant, they can be a never-ending source of frustration.

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industry news

Take charge of your chargebacks with EMV 3-D Secure

Don’t let holiday chargebacks get you down. Find out how to stop them before they hit.

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industry news

Google Chrome Samesite Changes and What You Can Do

What are the most important things you want when surfing the internet? Probably making sure your privacy is protected, your transactions are secure and it’s lightning fast, right?

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industry news

March 14 and what it means to European merchants

As of March 14, 2020, Visa is mandating issuers in the European Economic Area (EEA) need to be live with EMV® 3DS v2.1.

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industry news

The latest version of EMV® 3-D Secure – a deeper dive

EMV 3DS can help manage PSD2 SCA’s exemptions. See if they’ll work for you.

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industry news

The latest version of EMV 3-D Secure – Why you should be updating now

Learn about key dates for EMV 3DS v2.2 and some of its benefits around PSD2 SCA.

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industry news

AP CEMEA EMV® 3-D Secure Activation – what it is and what it means to you

Learn about Visa’s activation dates for EMV 3DS in the AP and CEMEA regions, and how you can get ready.

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industry news

3DS replay: What we are seeing and how you can maximize approvals

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industry news

Exemptions: What are they and what can they do for you

Exemptions are a hot topic when it comes to PSD2 SCA. They can be useful because issuers and merchants can use exemptions to mitigate friction and not present SCA to the cardholder when applicable.

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industry news

Travel Industry Message Extension

Staying ahead of the ever-changing payments landscape

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industry news

Why Should EMV 3DS Matter to You

Find out why EMV 3DS is a win for everyone. And why you should want it too.

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industry news

Why Authentication Matters

Why does authentication matter? Because today more than ever, with so many connected devices, CNP transactions are on the rise.

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industry news

Mastercard® Identity Check™ Insights

Improved authorizations. Maximized speed. That’s what a data only solution aims to provide. As a matter of fact, it is focused on just that.

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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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industry news

The new case for 3-D Secure - Podcast

Is EMV 3DS enough to combat modern threats without driving consumers away? According to podcast guests Jaime Howard of CardinalCommerce and Kevin Weller of Visa, the answer is yes.

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industry news

False Declines: Here's the True Story

What is a false decline. It’s an insult to be honest. It’s the worst kind of friction there is. It’s a good transaction that’s declined due to suspicion of fraud. It’s missing out on a good sale because of a mistaken decline and it eats into profits. But that’s not the biggest problem.

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industry news

9 Tips To Get The Most Out of EMV 3DS To Increase Your Authentications – and your bottom line!

What’s your goal for using EMV® 3-D Secure? Help fight fraud and lower false declines? Maximize your number of good transactions? Help satisfy a mandate requirement? How about all of those?

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industry news

The 3DS Method URL – Why it’s crucial to the success of your authentication transactions

One of the best things you can do for your business is to optimize EMV® 3-D Secure to its fullest.

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industry news

The future is FIDO – Taking authentication to the next level

CardinalCommerce is currently developing a Fast Identity Online (FIDO) authentication solution for both browser-based web applications and native mobile applications.

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industry news

Is now the time to change ACS providers?

What to do? Your current ACS provider may not be able to handle your needs, but you’re afraid to switch in the middle of SCA enforcement.

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industry news

The Sunset of 3DS 1.0.2

October 2022 will mark the second and final phase of the sunset of 3DS 1.0.2.

read more

Resources

Payments glossary

eCommerce concepts defined: an A‑Z reference guide for industry terms.

Industry benchmarks

Learn how 3‑D Secure can lead to higher authorization rates and help remove fraud. Download these free industry benchmark studies to see how 3‑D Secure impacts different verticals.

FAQs

Our consumer authentication experts offer answers to our users' most Frequently Asked Questions.

More Resources

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