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

New Case Study: Visa’s IDX Solution

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Recent posts

  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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Our Stories

Looking back on a year of change for Cardinal and the payments space

Cardinal has a new look … and so do some of our solutions. Check them out.

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Our Stories

The Cardinal Awards of Excellence

Here at Cardinal we are not only proud of what we do, but the people that do it. We (in our humble opinion) think that work with the best of the best, and we recognize them each year with special Awards of Excellence.

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Our Stories

Being an intern in the new virtual world

Cardinal officially launched their summer internship program on June 8th. Now in full swing, this is the first year Cardinal has conducted their summer internship virtually.

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Our Stories

Cardinal Internship 2020

We have many interns but none of them are quite the same. They each have unique hobbies they’re interested in and have gotten different things out of their internships so far!

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Our Stories

Cardinal Internship 2020: A year as unique as our interns

We have many interns but none of them are quite the same. They each have unique hobbies they’re interested in and have gotten different things out of their internships so far!

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Our Stories

Certification and What’s New with the Card Networks

Network certification is required each time we certify to EMVCo to support a new protocol version of 3-D Secure. But how does certification work you ask?

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Our Stories

When it comes to managing chargebacks, layering is the way to go

Consumers can dispute potentially fraudulent or unauthorized charges on their credit cards any time of year, but you will likely notice a higher volume of chargebacks during the busy holiday shopping season.

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Our Stories

Internship Program 2020: Learning in the Virtual World

Cardinal’s internship program has been an integral part of our culture for years, and we knew we could adapt it and make it work, just as the world has in our ever-changing circumstances.

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Our Stories

Cardinal Mobile SDK – The answer to the new mobile world

We’ve all been shopping online for a while. Then. The pandemic. Which only skyrocketed our online ordering and shopping.

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Our Stories

Ready, Set, Let’s shop! Holiday 2020

It’s almost the most wonderful time of the year. Pandemic or not, the holidays are still coming – and it’s time to have a truly merry holiday season. Record sales. Big wins. We could all use that right about now.

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Our Stories

When the going got tough, our 2020 interns got going!

From the start of our eight weeks to the very end we’ve gotten the opportunity to meet some fantastic young professionals and more importantly – fantastic people.

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Our Stories

2020: What’s happening and what’s to come at Cardinal

At Cardinal, our 2020 resolution is all about building our existing capabilities and expanding our reach in the latest protocols. See what we’ve got planned for 2020.

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Our Stories

A year like no other. And what’s to come.

From a pandemic to civil unrest – to a presidential election wrapping up in December – this was one doozy of a year, full of more twists and turns than we knew what to do with. But we made it.

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Resources

Payments glossary

eCommerce concepts defined: an A‑Z reference guide for industry terms.

Industry benchmarks

Learn how 3‑D Secure can lead to higher authorization rates and help remove fraud. Download these free industry benchmark studies to see how 3‑D Secure impacts different verticals.

FAQs

Our consumer authentication experts offer answers to our users’ most Frequently Asked Questions.

More Resources

EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC