Payments Blog

A Merchant's Perspective: EMV® 3-D Secure, Manual Review & How to Eliminate this Inefficiency

Most small-to-medium sized online merchants in the digital payments industry feel a certain degree of ownership over their business. While this is probably true for all online merchants in this field, these merchants likely have more of a personal connection to their business because of the relative size and the investment of time and resources.

Because of this, a lot of these merchants want to have maximum visibility into their transactions, specifically whether certain transactions are fraudulent or not. Too often, the result of this is a heavy reliance on manual review, which is the act of manually reviewing transactions for fraud risk before sending them for authorization.

Close up of businessman holding digital globe in palmWhile this may be effective for some online merchants in this space, it’s a highly inefficient process that can create more problems than it solves. The act of manually reviewing any transaction, let alone a large amount of them, is time-consuming and strenuous. Additionally, it’s time that could be put towards other, more effective business functions.

Fortunately for the digital commerce community, the reliance on manual review should become a thing of the past. The introduction of EMV® 3-D Secure (also referred to as 3-D Secure 2.0) and the emphasis on enhanced data-sharing and rules-based solutions will make it easier for all online merchants to approve more good orders while spending no time on manual review.

With the ability to collect a lot more data, these merchants will possess more information than ever Abstract high tech background with graphs and diagramsbefore. While this data overload may seem overwhelming, it’s highly effective when it’s used with a rules-based solution to create rules around the transaction to determine the legitimacy of a given transaction.

With a flexible rules-based solution, the merchant can also adjust these rules over time to ensure they aren’t blocking any legitimate consumers. Since they are backed by all this data, these solutions can make intelligent decisions, necessitating the need for manual review.

Cardinal Consumer Authentication (CCA) is one such solution. For years, Cardinal has been working with both issuers and merchants to help eliminate inefficiencies in the authentication process. By working with both parties, Cardinal has established a unique position in this space and has been able to help a lot of merchants optimize their businesses processes and cut out the need for manual review.

CCA is part of the Cardinal Authentication Network. Cardinal has been consistently focused on creating the best possible authentication environment for merchants and issuers, and has been able to deliver on that promise, due to constant innovation in our field.

With the Cardinal Authentication Network, Cardinal puts Authentication First.

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.

Posted by CardinalCommerce

Welcome to the CardinalCommerce blog. Cardinal is a global leader in authenticating digital transactions, with One Connection to drive digital commerce. Our goal for this blog is to provide a platform that will inform and educate our Customers and partners on consumer authentication, payments, mobile commerce, solution design and big data.

Topics: Manual Review, False Declines, EMV 3-D Secure, Cardinal Authentication Network

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