Consumer Authentication for Merchants

Provides merchants with choice and control over their authentication strategy to keep fraud at bay.

Take control of your Consumer Authentication strategy without increasing friction at checkout.

Consumer Authentication for Online Merchants

CardinalCommerce Consumer Authentication (CCA) is a rules-based authentication solution that gives merchants the ability to create customized, adjustable rules, from hundreds of different, enhanced data fields, that will determine whether a transaction is being conducted by a legitimate consumer or a fraudster. By leveraging the 3-D Secure protocols, CCA can help merchants increase sales, improve margins and enhance the consumer experience. 

Features & Benefits

  • Helps increase sales
    • Fewer checkout abandonments
    • Fewer false declines
  • Improves margins
    • Lower interchange rates
    • Chargeback protection
    • Less manual review
  • Improves consumer experience
    • Fewer false declines
    • Protected transaction flow without friction
    • Authentication embedded in checkout

Better than Traditional 3-D Secure

  • With traditional 3-D Secure, all transactions are challenged, every time. This results in consumer friction, especially with frequent buyers who order from you regularly.
  • With Cardinal, most transactions can be authenticated behind the scenes, with zero checkout friction for the consumer, using a risk-based approach. Merchants can set up rules based on amount of transaction, SKUs, IP or device used, shipping address, and much more. 
  • With your One Connection to Cardinal, you’ll also have access to new developments in the payments ecosystem … we’ll Drive Digital Commerce for your business!

With Cardinal Consumer Authentication, you can Increase sales, reduce chargebacks and optimize the consumer experience.