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.

Visa Consumer Authentication Service is a data-driven hosted solution designed to support an issuer’s authentication strategies with their 3-D Secure program - making authentication fast and secure while limiting friction for a better cardholder experience.