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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.

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

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.

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.

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.

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

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

For the ecommerce merchant, false declines can be a never-ending source of frustration.

Apple Discontinues UIWebview for iOS – As of December 31, UIWebView Will not Work

All indications point toward an IoT revolution by 2025. According to Juniper Research, it is predicted that transactions on personal devices will increase by more than 400 billion in the next five years. Total transaction value from personal devices will likely double to $12 trillion.

With the rapidly changing world of COVID-19, the shift to digital and connected devices has never been more important

October 2022 will mark the second and final phase of the sunset of 3DS 1.0.2.

Register now to join us Wednesday, May 12, at 11AM EDT, for the second episode of our new feature, Conversations with Cardinal

8 useful tips to get the most out of EMV® 3-D Secure to help increase your authentications – and your bottom line!

What are the most important things you want when surfing the internet? Probably making sure your privacy is protected, your transactions are secure and it’s lightning fast, right?

EMV 3DS can help manage PSD2 SCA’s exemptions. See if they’ll work for you.

By now you are probably familiar with EMV® 3-D Secure – the set of protocols that enables issuers to validate that cardholders are who they say they are.

Learn about Visa’s activation dates for EMV 3DS in the AP and CEMEA regions, and how you can get ready.

If you are operating an online business in the EU (European Union) and are affected by government mandates and PSD2 SCA enforcement (right around the corner December 31, 2020), it means the order is declined.  That’s a lost sale and a hit to your bottom line. All because of a transaction error?

Exemptions are a hot topic when it comes to PSD2 SCA. They can be useful because issuers and merchants can use exemptions to mitigate friction and not present SCA to the cardholder when applicable.

The BIG news and why you need a data only solution now more than ever Improved authorizations. Maximized speed. That’s what a data only solution aims to provide. As a matter of fact, it is focused on just that. It offers a solution to the need for more data in authorization. The result?  The opportunity […]

CardinalCommerce is currently developing a Fast Identity Online (FIDO) authentication solution for both browser-based web applications and native mobile applications.

Is EMV 3DS enough to combat modern threats without driving consumers away? According to podcast guests Jaime Howard of CardinalCommerce and Kevin Weller of Visa, the answer is yes.

What is a false decline. It’s an insult to be honest. It’s the worst kind of friction there is. It’s a good transaction that’s declined due to suspicion of fraud. It’s missing out on a good sale because of a mistaken decline and it eats into profits. But that’s not the biggest problem.

What’s your goal for using EMV® 3-D Secure? Help fight fraud and lower false declines? Maximize your number of good transactions? Help satisfy a mandate requirement? How about all of those?

One of the best things you can do for your business is to optimize EMV® 3-D Secure to its fullest.

Whenever you hear about EMV 3-D Secure, one of the big selling points is that this set of protocols includes 10 times more data than the original version, 3-D Secure 1.0.

What to do? Your current ACS provider may not be able to handle your needs, but you’re afraid to switch in the middle of SCA enforcement.

There have been a lot of questions about the new versions of EMV 3-D Secure, whether issuers should adopt them (and when), and what the difference between them is (and how they are different from 3-D Secure 1.0).

Find out why EMV 3DS is a win for everyone. And why you should want it too.

Staying ahead of the ever-changing payments landscape

Why does authentication matter? Because today more than ever, with so many connected devices, CNP transactions are on the rise.