Our focus is reducing fraud + false declines through authentication.

More data = better informed decisions

Frictionless. More approvals. Fewer false declines.

  • Cardinal Consumer Authentication
  • Data Only

3-D Secure

Cardinal provides you with greater protection and gives you the power to change with the payments landscape.

Data Only

When fraud isn't your main concern, but more data and a frictionless experience is - data only is the new answer. The result: more good sales and less lost revenue.

The sunset of 3DS 1.0.2 is coming - upgrade to EMV 3DS today

Upgrade to EMV 3DS to ensure your transactions continue to process smoothly and take advantage of the many benefits that EMV 3DS provides. The time to upgrade to EMV 3DS is now.

3DS Comparison

News + trends

  • industry news

    Understanding ECI values – An important step in your authentication strategy

    The Electronic Commerce Indicator (ECI) is a value returned by the Directory Server and ACS indicating the outcome of authentication requested on transactions for EMV® 3-D Secure.

    read more
  • mandates

    PSD2 SCA Dates and Solutions

    Find out why now’s the time to tackle PSD2 SCA head on to meet the upcoming 12.31.20 deadline - and how we can help.

    read more
  • our stories

    When it comes to managing chargebacks, layering is the way to go

    Consumers can dispute potentially fraudulent or unauthorized charges on their credit cards any time of year, but you will likely notice a higher volume of chargebacks during the busy holiday shopping season.

    read more
  • webinars

    The Power of Connection

    Join the conversation as Matt and Susan talk about the power of connection between merchants and issuers, the importance of data-sharing, and how EMV® 3-D Secure delivers more data for better payment decisioning. Watch the replay now.

    read more
  • events

    “Join” us as we compete for the title at the “Virtual Lions’ Den Champions Edition”

    The Virtual Lions’ Den Champions Edition is the place to see some of the latest solutions for the global airline and travel industry. Just to add some fun, this won’t be your average webinar.

    read more

Want to talk? We'd love to hear from you.

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Want to take a closer look?

Get a first-hand look at our solution that makes authentication fast, safe and efficient for tens of thousands of merchants and thousands of issuers processing billions of transactions a year.

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Better results with enhanced data.

With access to over one hundred extra data points, merchants can achieve better authentication results.