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What is Cardinal?

Cardinal is recognized as a leading expert in the field of global digital transaction authentication. For over two decades, we have connected merchants, issuers, and consumers to create a win-win scenario for all parties. The rapid and secure payment authentication solutions provided by Cardinal significantly improve the shopping experience, leading to increased approval rates and higher sales figures. Our method prioritizes security and efficiency, utilizing extensive data from merchants, issuers, and consumers to effectively combat fraud and lower the rates of false declines. As merchants boost their revenue, consumers are inspired to make additional purchases, while issuers enjoy improved collections. Cardinal supports a variety of payment networks, such as Visa, Mastercard, American Express, Discover/Diners, JCB, UPI, and several regional networks like Cartes Bancaires and ELO, with ambitions to broaden our reach in the future. In contrast to conventional techniques that sequentially process authentication steps, Cardinal adopts a parallel processing model that allows for data collection and analysis to begin even before a consumer completes their order. This forward-thinking strategy not only enhances the efficiency of the authentication process but also enriches the overall shopping experience for all participants. By continuously innovating our services, we aim to set new standards in the digital transaction landscape.

What is 3D Secure?

Beyond meeting the Strong Customer Authentication (SCA) standards mandated by PSD2, the revised 3DS 2.0 protocol presents numerous benefits, especially for mobile payment applications. Its advanced structure greatly improves the user experience on mobile devices, ensuring seamless compatibility with various mobile wallet applications and simplifying in-app purchases. This enhancement also applies to non-browser environments, thereby enriching overall mobile integration. Merchants are required to implement additional authentication measures only when the transaction risks are assessed as high, which is a relatively rare occurrence. Moreover, the incorporation of biometric authentication within the merchant’s app is expected to be viewed as a trustworthy security measure by customers. This efficient method not only boosts security but also fosters greater consumer trust in mobile transactions, thereby potentially increasing overall transaction volumes. The overall impact of these improvements could lead to a more robust and user-friendly mobile payment ecosystem.

Media

Media

Integrations Supported

CatalystPay
Kurv
Unified Payments Interface (UPI)

Integrations Supported

CatalystPay
Kurv
Unified Payments Interface (UPI)

API Availability

Has API

API Availability

Has API

Pricing Information

Pricing not provided.
Free Trial Offered?
Free Version

Pricing Information

Pricing not provided.
Free Trial Offered?
Free Version

Supported Platforms

SaaS
Android
iPhone
iPad
Windows
Mac
On-Prem
Chromebook
Linux

Supported Platforms

SaaS
Android
iPhone
iPad
Windows
Mac
On-Prem
Chromebook
Linux

Customer Service / Support

Standard Support
24 Hour Support
Web-Based Support

Customer Service / Support

Standard Support
24 Hour Support
Web-Based Support

Training Options

Documentation Hub
Webinars
Online Training
On-Site Training

Training Options

Documentation Hub
Webinars
Online Training
On-Site Training

Company Facts

Organization Name

Cardinal

Company Location

United States

Company Website

cardinalcommerce.com

Company Facts

Organization Name

3D Secure

Company Website

3dsecure2.com

Categories and Features

Fraud Detection

Access Security Management
Check Fraud Monitoring
Custom Fraud Parameters
For Banking
For Crypto
For Insurance Industry
For eCommerce
Internal Fraud Monitoring
Investigator Notes
Pattern Recognition
Transaction Approval

Categories and Features

Authentication

Biometric
Credential Management
Knowledge-Based Authentication
Mobile Authentication
Multifactor Authentication
Out-of-Band Authentication
Policy Management
Self Service Portal
Single Sign On
Social Sign On

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