Payments Blog

Chargebacks and the Representment Process

Posted by CardinalCommerce
Feb 26, 2019 8:30:00 AM

The holidays are a joyous time for everyone in the digital commerce world. Consumers, caught up in the season, are often looking to buy a good deal of products, whether it be for them or for their family and friends, which means merchants are capitalizing on all these additional sales. Any uptick in transaction count is also good news for issuers, card networks and other organizations in the industry.

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Topics: Fraud, chargebacks, Cardinal Authentication Network

Manual Review: How We Got Here and Why It's a Problem

Posted by CardinalCommerce
Feb 19, 2019 8:30:00 AM

In many industries, including the digital payments industry, smaller organizations can be over-reliant on manual processes. This could be due to staffing problems, cash flow issues or a combination of the two. For smaller online merchants in this industry, especially those who haven’t been doing business for very long, an over-reliance on manual review can be a significant problem.

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Topics: Fraud, Manual Review, Cardinal Authentication Network

EMV® 3-D Secure & Fraud: How These New Protocols Can Help

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

In the early 2000s, consumers began migrating to the digital realm to shop for and purchase products and services. Around that same time, Visa introduced 3-D Secure, a set of messaging protocols designed to introduce an additional layer of security into digital transactions.

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Topics: Fraud, 3-D Secure 2.0

Wrap-up from Cardinal at CNP Expo 2018

Posted by CardinalCommerce
May 18, 2018 12:00:00 PM

CNP Expo 2018 ended yesterday, which means it’s time to reflect on some of the noteworthy events, developments and sessions from the past week. Everyone on the Cardinal team had a great time in Orlando, Florida at the conference, and they are excited at the prospect of traveling to San Francisco for CNP Expo 2019.

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Topics: Fraud, Consumer Authentication, Mobile Commerce, CNP, 3-D Secure 2.0

What are False Declines and Why are They More Damaging Than Fraud?

Posted by CardinalCommerce
Apr 3, 2018 8:30:00 AM

Creating something new can be a daunting task. For prospective online merchants, this is especially true. While a lot of people have ideas, putting one of them into action and executing it is an entirely different story. The process of transforming an idea into a full-blown online operation with products and loyal consumers often includes multiple convoluted steps.

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Topics: Fraud, False Declines

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