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

Get Started with the Cardinal API

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Better than Traditional 3-D Secure

Traditional 3DS Logos
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.

Can Increase Sales

  • Fewer checkout abandonments
  • Fewer false declines

Enhanced Consumer Experience

  • Fewer false declines
  • Protected transaction flow without friction
  • Authentication embedded in checkout

Can Improve Margins

  • Lower interchange rates
  • Chargeback protection
  • Less manual review

With Cardinal, the merchant can control which transactions are authenticated via our rules engine. You can set up rules based on amount of transaction, SKUs, IP or device used, shipping address, and much more.

With One Connection to Drive Digital Commerce, you'll also have access to new developments in the payments ecosystem.