Payments Blog

EMV® 3-D Secure, Data & the False Decline Problem

Posted by CardinalCommerce
Dec 18, 2018 8:30:00 AM

For both merchants and issuing banks, false declines can do severe damage. In most cases, they are worse than fraud and can have longer-term effects. Solving the false declines problem, however, requires getting to the root of the issue at hand.

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

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

Posted by CardinalCommerce
Dec 11, 2018 8:30:00 AM

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.

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

The Emergence of a New, Data-Centric Approach

Posted by CardinalCommerce
Nov 19, 2018 2:00:00 PM

Today, in pretty much any field, data is an import ingredient. In the digital payments industry, data has been crucial for some time now, especially when it comes to assessing the risk of digital transactions. But in the past, there was a disconnect and a lack of communication between the main stakeholders involved in a digital transaction: the issuer and the merchant.

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Topics: 3-D Secure 2.0, EMV 3-D Secure, 3-D Secure, Cardinal Authentication Network

SCA Exemptions and a Seamless User Experience in a Data-Driven World

Posted by CardinalCommerce
Nov 8, 2018 8:30:00 AM

Today, when consumers shop online, they often know what they want, and they don’t want any unnecessary forces disturbing that process. At the same time, they also want assurances that they can conduct online transactions in a safe and secure environment. While it’s difficult to effectively strike a balance between these two things, there are many steps being taken to optimize and secure this process.

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Topics: PSD2, SCA, EMV 3-D Secure

Highlights from Cardinal's Trip with the Canada Travel Fraud Prevention Group

Posted by CardinalCommerce
Oct 23, 2018 3:30:00 PM

Throughout the last two years, Cardinal has made it our mission to disseminate as much information about EMV® 3-D Secure as possible to the entire digital payments industry. It’s important, for everyone in the industry, to have the most up-to-date information regarding this important topic.

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Topics: EMV 3-D Secure, 3-D Secure, Canada Travel Fraud Prevention Group

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