CardinalCommerce 3-D Secure Payments



Magento Platform
Open Source (CE)
1.5, 1.6, 1.6.1,, 1.7, 1.8, 1.8.1, 1.9, 1.9.1, 1.9.2, 1.9.3, 1.9.4

Tech Specifications

Current Version:
Stable Build
18 October, 2019
Extensions, Payments & Security, Fraud, Checkout Enhancements, Payment Integration
License Type:
Mozilla Public License 1.1 (MPL-1.1)


This extension will accept and authenticate credit card payments. Cardinal Consumer Authentication helps reduce fraud, false declines, and increases good orders. You’ll also comply with new 2019 regulations going into effect in Europe.


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CardinalCommerce is a global leader in authenticating digital transactions and operates as a wholly-owned subsidiary of Visa.  Cardinal Consumer Authentication (CCA) is a rules-based authentication solution that gives merchants the ability to create customized, adjustable rules, from hundreds of different, enhanced data fields, that will determine whether a transaction is being conducted by a legitimate consumer or a fraudster. By leveraging the 3-D Secure protocols, CCA can help merchants increase sales, improve margins and enhance the consumer experience.  

This extension accepts credit card payments for various payment gateways. Like other payment extensions, this will create a credit card payment form on your checkout page. CardinalCommerce 3-D Secure Payments adds a layer of consumer authentication to the checkout process, reducing fraud and cutting chargebacks. The extension is compliant with the new PSD2 regulations for European merchants.


Account & Pricing

To setup the extension, contact CardinalCommerce to create an account and receive API keys. Call 877-352-8444 to get started!

CardinalCommerce 3-D Secure Payments is free to download. Merchants are charged on a per transaction basis. Some merchants may incur a setup fee. 


  • Accept credit card payments using various payment gateways.
  • Consumer authentication protects you from chargebacks.
  • Supports authorizations, captures, and refunds.
  • Support for Visa, MasterCard, American Express, Discover, and JCB payment brands.


CardinalCommerce 3-D Secure Payments

Cardinal Consumer Authentication, leveraging 3-D Secure, helps you:
1. Reduce fraud
2. Accept more sales and improve authorization rates
3. Comply with regulations like PSD2-SCA (in Europe)
4. Reduce manual review for fraud
5. Cut chargeback fees

Compatible with the following payment service providers (PSPs):

  • PayPal Website Payments Pro (PayPal Pro 3)
  • Authorize.net
  • Chase Paymentech
  • CyberSource
  • First Data
  • Heartland
  • Network Merchants (NMI)
  • PayPal PayflowPro
  • And more

Support for Visa, MasterCard, Discover, American Express, JCB, and Diner’s Club.

Call 877-352-8444 to receive credentials and get started!


Protect Your Online Store From Fraud

CardinalCommerce (a wholly owned subsidiary of Visa) offers a rules-based 3-D Secure (3DS) solution called Cardinal Consumer Authentication. Protect your web store from fraud, reduce false declines, reduce manual review of orders, and improve your authorizations.

Supports Verified by Visa (VbV), Mastercard SecureCode/Identity Check, Discover ProtectBuy, and American Express Amex Safekey.


Activate To Comply With PSD2 SCA

If you sell to consumers in the European Economic Area (EEA), and use acquiring services in the EEA, then you will be required to comply with the PSD2 requirement for Strong Customer Authentication (SCA). Your online store must support SCA for all digital transactions starting September 14, 2019. (Mastercard will require issuers, merchants, and acquirers to support SCA in the EEA starting in April, 2019.)

EEA countries include Austria, Belgium, Bulgaria, Czech Republic, Cyprus, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and the UK.


How 3-D Secure Solves For SCA

EMV® 3-D Secure (commonly known as 3DS 2.0) authenticates Card-Not-Present transactions to reduce fraud and false declines, and to increase good orders, with a better checkout experience for consumers. The PSD2 SCA requirement can be fulfilled by 3-D Secure because it works on any device and enables two-factor authentication.


Why This Is The Merchant Solution

Cardinal Consumer Authentication is an industry-leading solution for merchants to authenticate digital transactions, leveraging 3-D Secure. CCA balances the risk of the transaction with the consumer experience and authenticates most transactions behind the scenes. There is no consumer impact or interruption to the checkout process in most cases, and CCA uses consumer-friendly challenge methods to limit friction when necessary.

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


This extension does not require store credit card information on your Magento server. Therefore, merchants do not need to be PCI compliant to implement this solution. The extension uses a proprietary MPI method, which is similar to an API. MPI stands for "message passing interface." Customers will enter payment information on your site. Your Magento server will send messages to authentication providers and payment gateways without storing any sensitive data. 

Frictionless Checkout

Customers visiting your checkout page will enter their payment information as usual. A majority of transactions see authentication performed in the background without any interruptions in the checkout process! The small subset of high-risk transactions will be asked for two-factor authentication through a modal that loads during the checkout process. This allows customers to enter additional information, such as a password or PIN, associated with their credit card.

Release Notes

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  • Compatible with Open Source (CE) : 1.5 1.6 1.6.1 1.7 1.8 1.8.1 1.9 1.9.1 1.9.2 1.9.3 1.9.4
  • Stability: Stable Build
  • Description:

    This release corrects packaging errors that prevented part of the code base from being included in the first release. There are also critical updates to the way the extension performs authorizations, captures, and refunds.


  • Compatible with Open Source (CE) : 1.5 1.6 1.6.1 1.7 1.8 1.8.1 1.9 1.9.1 1.9.2 1.9.3 1.9.4
  • Stability: Stable Build
  • Description:

    First release.


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The best place to start if you need help with a specific extension is to contact the developer. All Magento developers have both a contact email and a support email listed.

Q & A

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