Cardinal’s fast, secure payment authentication creates a rewarding shopping experience for all…

...starting with increased approvals and sales. how?

Our safe, seamless approach brings together a deeper level of merchant, issuer, and shopper data… reduce fraud and false declines. why?

When merchants sell more, shoppers buy more and issuers collect more…

everybody wins!

swipe to see what we are all about

  • Merchants
  • Issuers

Thousands of merchants and issuers, authenticating billions of transactions a year, choose Cardinal. Why? Because we're taking on fraud and false declines.

Now, about those mandates.

From local regulations, to network mandates, to EMV® 3DS updates - navigating the everchanging payments landscape can be complex. Let us show you how Cardinal's success teams work closely with you to make the process as frictionless as possible for both you and your customers.

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Let's get started.

Thinking about EMV® 3DS? Here's the way to launch an authentication strategy without jeopardizing your customers' experience.

request a demo

Let's talk numbers.

You like your privacy and we protect our clients privacy as well. But, here's what we can tell you…


~900M authenticated transactions representing $225B of purchase volume

2.5 billion

transactions for $275B purchase volume


BINs issued from 263 countries and acquired in 85 countries with 35K merchants.


unique PANs authenticated across our network


unique Merchant ID/ Acquirer ID combinations

News + trends

The Latest Stuff
  • 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