CardinalCommerce Announces First Live EMV® 3-D Secure Transactions

 CardinalCommerce completed its first series of EMV® 3-D Secure transactions with three major payment networks—American Express, Mastercard and Visa. The transactions are the company’s first to be successfully completed using EMV 3-D Secure technology leveraging the 2.1 protocol with real cardholders on live merchant websites, without the use of test accounts or simulators. The transactions were completed as part of an early adopter program where merchants and issuers have enabled EMV 3-D Secure using CardinalCommerce’s solutions.

Cardinal’s early adopter merchant and issuer launches enable 3-D Server and Access Control Server integrations of EMV 3DS in the market. The Cardinal Authentication Network is ready to implement EMV 3-D Secure so that issuers, merchants and their consumers can transact securely from any digital device any time.

“Cardinal focuses on providing the best authentication solution in the world. It is an exciting time in our industry with the launch of EMV 3DS, and Cardinal is proud to announce we are fully live and transacting across American Express, Mastercard and Visa. Our issuers and merchants can now support all protocol versions of 3DS within the Cardinal Authentication Network,” said Jaime Howard, VP of Global Product at CardinalCommerce.

Here is what the payment networks have to say:

American Express: ”Consumers’ continued shift to online and mobile commerce has reinforced the need for merchants and card issuers to deliver a customer experience that strikes the right balance between ease and security,” said Seana Pitt, Vice President of Global Network Operations and Product at American Express. “American Express’ SafeKey 2.0 platform, which is built on the EMV 3-D Secure protocol, enables merchants and issuers to exchange more detailed transaction information to help further minimize the risk of fraud while reducing the need to interrupt the consumer’s purchase.”

Visa: ”As we look ahead and commerce becomes increasingly digital, we have a responsibility to ensure consumers and businesses can rely on secure transactions,” said Mark Nelsen, senior vice president of Risk and Authentication Products, Visa. “EMV 3-D Secure is an important building block to strengthen security and fraud prevention, wherever payments happen. CardinalCommerce’s milestone, enabling EMV 3-D Secure transactions across these three major payment networks, moves the industry forward toward those goals.”


About American Express

American Express is a globally integrated payments company, providing customers with access to products, insights and experiences that enrich lives and build business success. Learn more at, and connect with us on,,,, and


About CardinalCommerce

Since our inception, CardinalCommerce has been a global leader in authenticating digital transactions. Today, we operate as a wholly-owned subsidiary of Visa and remain focused on delivering the best authentication experience in the world through the Cardinal Authentication Network, which allows merchants and issuers to reduce fraud and false declines, while providing a superior consumer experience.

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About Mastercard

Mastercard (NYSE: MA),, is a technology company in the global payments industry. Our global payments processing network connects consumers, financial institutions, merchants, governments and businesses in more than 210 countries and territories. Mastercard products and solutions make everyday commerce activities – such as shopping, traveling, running a business and managing finances – easier, more secure and more efficient for everyone. Follow us on Twitter @MastercardNews, join the discussion on the Beyond the Transaction Blog and subscribe for the latest news on the Engagement Bureau.


About Visa

Visa Inc. (NYSE: V) is the world’s leader in digital payments. Our mission is to connect the world through the most innovative, reliable and secure payment network - enabling individuals, businesses and economies to thrive. Our advanced global processing network, VisaNet, provides secure and reliable payments around the world, and is capable of handling more than 65,000 transaction messages a second. The company’s relentless focus on innovation is a catalyst for the rapid growth of connected commerce on any device, and a driving force behind the dream of a cashless future for everyone, everywhere. As the world moves from analog to digital, Visa is applying our brand, products, people, network and scale to reshape the future of commerce. For more information, visit About and @VisaNews.


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.