Cardinal Commerce

Cardinal Commerce

Cardinal Consumer Authentication (CCA)

Founded: 1999
HQ: Cleveland / United States

CardinalCommerce is the global leader in authenticating digital transactions. Our proprietary solutions eliminate fraud while increasing authorizations & reducing consumer friction for both issuers & merchants. Cardinal is a business and technical member of EMVCo, and has been involved in the development of the 3DS 2.0 specs. Cardinal is a wholly-owned subsidiary of Visa.

Process Steps

  • Risk Engine
  • Data Provider
  • Manual Review Cockpit
  • Chargeback Handling
  • Callcenter Fraud
  • KYC/AML/ID Verification

Technology Coverage

  • Machine Learning
  • Device Fingerprinting
  • Behavioral Analytics
  • Chargeback Guarantee

Reference Customer

Information upon request


Detailed Information upon request

Cardinal Consumer Authentication integrates into most major shopping carts, gateways and processors

Fraud Solution Profile

Cardinal Consumer Authentication (CCA) leverages the 3-D Secure protocols like Verified by Visa and MasterCard SecureCode, and ensures that a cardholder making a purchase during a Card-Not-Present transaction is who he says he is. CCA is a patented, rules-based solution for merchants, PSPs and banks that provides choice and control over the consumer experience.


When merchants use CCA, any fraudulent chargebacks on authenticated transactions become the responsibility of the consumer’s card issuing bank. Because of the hundreds of data points used to authenticate the transaction behind the scenes, the issuing bank assumes liability for any fraudulent transactions. CCA also eliminates false positives, that is, legitimate transactions that can be mistaken for Fraud, which can increase sales for the merchant.


With CCA, merchants have the power to create rules that will authenticate and challenge transactions on a case-by-case basis, based on these rules. These rules provide the merchant with choice over which transactions are authenticated, and control over the consumer checkout experience. Rules can be built on any data point the merchant collects: SKU, item price, shipping address, consumer’s country, number of items, number of duplicate items, etc. Merchants can create rules based on their own businesses, and change them as needed or on a seasonal basis (adjust certain rules during peak holiday shopping season, for instance). When rules are employed, the majority of the merchant’s digital transactions can be authenticated behind the scenes, with zero consumer checkout friction.


When merchants use both CCA and Fraud tools, the order in which the solutions are use is important. The first step should be CCA, and any transactions that have been authenticated need not go through Fraud screening. Fraud screening tools can flag transactions as Fraud based on certain factors, and if a transaction has been authenticated (and the issuing bank assumes liability for any fraudulent transactions), there is no need to screen the transaction for Fraud. Handling transactions in this order will also eliminate false positives, or the decline of legitimate orders due to suspected Fraud.


Cardinal is a business and technical member of EMVCo, which recently developed and released the specifications for 3-D Secure 2.0 to support app-based authentication and integration with digital wallets, as well as traditional browser-based digital transactions. As an associate of EMVCo, Cardinal provided input on the creation of 3DS 2.0’s specs.


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