Cardinal Commerce

Is a global leader in authenticating digital transactions and operates as a wholly-owned subsidiary of Visa. Cardinal deepens insights with comprehensive visibility into Card-Not-Present and 3-D Secure processed transactions with intelligent data-driven tools. Partnering with Cardinal, everyone wins: the consumer can purchase, the merchant can sell and the issuing bank can collect funds, all safely and securely. Cardinal is a wholly-owned subsidiary of Visa.

Location:Cleveland, OH, United States
Founded: 1999

Fraud Solution Profile

Authentication matters because fraud and false declines are growing at double digit rates. False declines are bad because the cardholder will either take another card out of their wallet or they will shop elsewhere, hurting either the issuer or the merchant. Additionally, unnecessary friction introduced during the checkout process can negatively impact the consumer experience, resulting in the same negative consumer behaviors.

There are hurdles in the eco-system today, namely, no connection between authentication and authorization. That leads us to the next frontier: using RBA (risk-based authentication) and tying authentication to authorization. The Cardinal Network can curate data from both issuers and merchants to drive approvals, limit false declines, and lower fraud, with limited customer checkout friction.

Because the Cardinal Network supports both merchants and issuers with authentication for the Card-Not-Present (CNP) channel, we see data from both sides of the transaction. We help issuers make better risk decisions today, and as risk-based approach and 3-D Secure 2.0 roll out, enhanced data fields, Cardinal’s rule engine, and the Visa Risk Score all combine for a powerful authentication solution, with benefits available today. This helps merchants authorize more orders, helps issuers approve more transactions, and above all, allows consumers to buy what they want, when they want, from the merchants they choose.

To reduce false declines, all stakeholders in the payments ecosystem need to work together. 3-D Secure provides merchants and issuers with an additional layer of security prior to authorization to help mitigate fraud, reduce false declines and ultimately increase approvals.

From a merchant perspective, if they are using Cardinal, they don’t need to be concerned about whether they are using 1.0 or 2.0 – as issuers come on board with 2.0, Cardinal can route the transaction based on how the issuer will handle it, in real-time, for the best

Four specific areas where The Cardinal Network/Cardinal Consumer Authentication/Visa Consumer Authentication Service excels

  1. Less friction provides a better consumer experience – up to 95% of transactions can be authenticated silently, behind the scenes, without consumer impact, using a risk-based approach, and the 5% of transactions that require additional authentication are validated by biometrics or one-time passcodes delivered via SMS or email
  2. Enhanced data is shared with issuers for better risk decisioning, fewer false declines – we leverage data supplied by Visa, the merchant and the issuer, including transaction data, device data and much more
  3. Ability to authenticate on any device, from desktops to tablets, mobile devices, wearables and IoT devices, and via browsers or apps
  4. Speed of authentication reduced to milliseconds

With Cardinal’s solutions, merchants and issuers have choice and control over their authentication strategies and have the flexibility to create rules using a variety of parameters and set authentication strategies, particularly as new fraud trends emerge.


Information upon request

Ecommerce, Financial Services
 Primary Functionality
Identity & Authentication
 Fraud Type
Payment Fraud
Multi-Factor Authentication, Rules Engine