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Recent posts

  • 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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  • our stories

    2020 What is happening and what is to come at Cardinal

    At Cardinal, our 2020 resolution is all about building our existing capabilities and expanding our reach in the latest protocols. See what we've got planned for 2020.

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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

    Is your shopping cart ready for PSD2 SCA?

    Authentication is core to payment processing in Europe, so if your digital transactions are not authenticated, you will be expected to implement a solution before your business is impacted.

    read more


case studies

EMV® 3-D Secure - It’s not your main business, it’s ours.

There’s more than meets the eye when it comes to building your own EMV 3DS solution versus implementing a commercially-available solution.

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mandates

Why Now?

PSD2 SCA will change the payments industry in the European Economic Area (EEA) for a long time to come. It’s important to understand not only what is happening, but more importantly, why you should update to EMV 3-D Secure as soon as possible.

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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

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

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

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

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mandates

Is your shopping cart ready for PSD2 SCA?

Authentication is core to payment processing in Europe, so if your digital transactions are not authenticated, you will be expected to implement a solution before your business is impacted.

read more
mandates

PSD2 Action Plan for Online Merchants

Your free step-by-step guide to understanding PSD2, how it will affect your business, and the required steps you need to take to ensure your online business is SCA ready.

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mandates

SCA in PSD2

The 2nd Payment Services Directive (PSD2) was established by the European Banking Authority (EBA) to drive payment innovation and data security by reducing competitive barriers, mandating new security processes and encouraging standardized technology.

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mandates

Key dates for EMV® 3-D Secure - Here’s the what and the when

The time to act is now, for everyone’s sake. Merchants, issuers and shoppers. Prepare your online business by implementing a PSD2 SCA solution.

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our stories

Cardinal Mobile SDK – The answer to the new mobile world

We’ve all been shopping online for a while. Then. The pandemic. Which only skyrocketed our online ordering and shopping – even changing from shopping in a store to ordering online and picking up curbside – everything from pizzas to groceries to clothes and more. And when you think about it, you probably aren’t doing that from your desktop.

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our stories

Ready, Set, Let’s shop! Holiday 2020

It’s almost the most wonderful time of the year. Pandemic or not, the holidays are still coming - and it’s time to have a truly merry holiday season. Record sales. Big wins. We could all use that right about now.

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our stories

Internship Program 2020: Learning in the Virtual World

Cardinal’s internship program has been an integral part of our culture for years, and we knew we could adapt it and make it work, just as the world has in our ever-changing circumstances.

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webinars

Debunking the Myths of PSD2 SCA

We discuss the myths and truths of PSD2 SCA during our webinar, “Debunking the Myths of PSD2 SCA.” We have an all-star lineup ready to set the record straight and clear up any confusion!

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webinars

An Inside Look at Industry Performance Using 3DS

We take a closer look at KPIs and stats from different industries in the card-not-present market including – authorization rates, fraud rates, and the overall impact 3-D Secure has on authorization. How will your industry measure up?

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webinars

Driving Increased Approval Rates – An Update on Mastercard® Identity Check™ Insights

It’s been a year since your last update on Mastercard® Identity Check™ Insights. Spoiler alert – we’ve got big news to share. We think you’ll be excited to hear the results and learn how this could help your business.

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webinars

Solution Design and Implementation Considerations for 3-D Secure

There’s a lot to uncover when it comes to implementing 3-D Secure. Join our experts as they discuss EMV® 3-D Secure’s improved solution design, requirements for implementation, timeframes and networks dates, and answer your questions about implementation.

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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