New Case Study: A U.S. Issuer’s Experience with Visa’s IDX Solution

New Case Study: Visa’s IDX Solution

Read it here

With Cardinal,
everybody wins.

Cardinal’s fast, secure payment authentication creates a rewarding shopping experience for all – starting with increased approvals and sales. How? Our safe, seamless approach brings together a deeper level of merchant, issuer and shopper data to reduce fraud and false declines. Why? When merchants sell more, shoppers buy more and issuers collect more. Everybody wins.

  • merchants
  • issuers

Thousands of merchants and issuers, authenticating billions of transactions a year, choose Cardinal. Why? Because we’re taking on fraud and false declines.

The final sunset of 1.0.2 for network extended countries is coming.

This November marks the end of 3DS 1.0 for all countries. When the sunset occurs, the Directory Server will no longer be able to support 3DS 1.0 transaction requests, and Cardinal will sunset 3DS 1.0 and all its features. If you received an extension, act now to ensure your transactions – and bottom line – are not affected.


Let’s get started.

Thinking about EMV® 3DS? Here’s the way to launch an authentication strategy without jeopardizing your customers’ experience.

request a demo

Let’s talk numbers.

You like your privacy and we protect our clients privacy as well. But, here’s what we can tell you…


~900M authenticated transactions representing $225B of purchase volume

2.5 billion

transactions for $275B purchase volume


BINs issued from 263 countries and acquired in 85 countries with 35K merchants.


unique PANs authenticated across our network


unique Merchant ID/ Acquirer ID combinations

News + trends

The latest stuff

  • Case Studies

    An Australian Issuer’s Journey from SMS OTP-Only to Risk-Based Authentication Using VCAS

    Do you want to reduce fraud, challenges and cart abandonment in your online transactions? See how this Australian issuer accomplished that by incorporating Risk-Based Authentication.

    read more
  • Case Studies

    Risk-Based Authentication: How a Peruvian issuer reduced ecommerce friction for their cardholders

    See how a Peruvian issuer used risk-based authentication for their digital transactions, resulting in fewer challenges while keeping their fraud rate at an acceptable level.

    read more
  • Case Studies

    A U.S. Issuer’s Experience with Visa’s IDX Solution

    See how a large US issuer incorporated authentication data into their authorization flow with Visa’s Intelligent Data Exchange, resulting in more authorizations and less fraud and false positives.

    read more
  • Industry News

    The Sunset of EMV 3DS 2.1

    EMV® 3DS 2.1 is being sunset by Visa, Mastercard, American Express, Discover, and JCB in 2024. Once the sunset happens, merchants, acquirers, and issuers will not be able to authenticate EMV 3DS 2.1
    transactions through these networks.

    read more
  • Industry News

    Up with approvals, down with fraud

    With Cardinal Consumer Authentication (CCA), merchants can experience an increase in approvals and decrease in fraud, while helping to deliver a better customer experience.

    read more
  • Industry News

    How to prepare now for an early, double-digit growth ecommerce season

    It’s halfway to the most wonderful time of the year! With the season starting earlier – and double-digit ecommerce growth expected – now’s the time to dot your i’s and cross your t’s so don’t miss out on your slice of the pie.

    read more
  • Industry News

    Optimize EMV 3DS with Method URL

    One of the best things you can do to get the full benefits of authentication is to optimize EMV® 3-D Secure to its fullest. This means providing priority data elements in an authentication request, invoking Method URL, and allowing it to complete collection of device data.

    read more
  • 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
  • Industry News

    March 14 and what it means to European merchants

    As of March 14, 2020, Visa is mandating issuers in the European Economic Area (EEA) need to be live with EMV® 3DS v2.1.

    read more
  • Industry News

    Take charge of your chargebacks with EMV 3-D Secure

    The dreaded chargeback. You’ve just come off a successful holiday season and the chargebacks start rolling in.

    read more