Internet Payment Gateway

Merchants are able to pre-authorize, authorize only, capture, void, and refund credit card transactions using our payment gateway, with real-time reporting available to assist with quick response times, managing customer expectations and service levels.

Our secure internet gateway will provide the merchant the flexibility of multi-currency checkout options on their websites using China Union Pay, Visa, MasterCard, Discover, American Express, and others.

The Virtual Terminal allows a business owner to manually authorize and process credit card and check transactions from any computer with an internet connection. The Virtual Terminal replaces an authorization terminal and enables a business owner to process a transaction without the credit card or check present.

Key Features:

  • Save time and money with our versatile integration and implementation using our open API
  • Recurring payments
  • Card number tokenization technology to help reduce PCI complexity and cost
  • Secure web-based transaction reports to view daily settlements and transactions
  • Multi-currency and jurisdiction
  • Virtual terminal
  • 24×7 telephone, web, and email technical support
  • PCI-DSS Level 1 compliant gateway
  • First Data certified
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Hosted Shopping
Cart Services

  • Hosted in a secure, PCI compliant data center helps reduce your vulnerability of hackers searching for credit cards numbers. Servers use secure socket layer (SSL) technology which means you will not have to be concerned with maintaining this level of security for PCI compliant purposes.
  • There are many customization features available with the shopping cart that will address you online service growth. Since you will not need to be concerned with maintaining servers, software updates, and monitoring sites for security releases, yu will have more time to focus on your core business.
API Integration
  • Our API Integration solution allows our merchants to utilize the highest level of secure transaction infrastructure available. Our API uses secure sockets layer (SSL) digital certificate technology to connect securely and directly between our merchants and the payment gateway.

Cost Control
  • A fixed monthly fee allows for an improved level of predictability for budgeting purposes. You will not have costs associated with hardware and software to maintain an-house shopping cart.
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Consumer Authentication
Best of Breed

Using Consumer Authentication will actually increase online merchants' sales, and not increase cart abandonment, as many online retailers recall from the early days of 3-D Secure. Cardinal's rules-based approach allows for either passive or active authentication. With passive authentication, which is appropriate for most transactions, the consumer has a friction-free checkout experience, resulting in fewer false positives, increased sales, less cart abandonment and lost sales.


With rules, merchants can challenge transactions that they might auto-decline today; there are fewer "false positives" that would be declined by a traditional 3-D Secure program. Also, when banks see that a transaction has been authenticated, they are more likely to authorize the transaction.

In regions where 3-D Secure has been mandated, transactions are required to go through a 3-D Secure protocol. Merchants not using 3-D Secure, therefore, cannot sell to consumers in these mandated regions.


  • Liability Shift on Chargebacks: Many merchant categories are entitled to liability shift on chargebacks when they use a Consumer Authentication solution for their CNP transactions. This means that when the transaction is authenticated, the card issuer takes on the liability for chargebacks. When a cardholder disputes the charge, the merchant is not responsible for chargebacks. This will be more and more important as the EMV liability deadline approaches and CNP fraud increases.
  • Lower Interchange Fees: Transactions that are authenticated through a Consumer Authentication solution are eligible for lower interchanges fees because the transactions are more secure and therefore less expensive for the bank to process.
  • Less Manual Review: Because there are fewer "false positives" that require human intervention to authorize, these is less manual review. Manual review is inherently more expensive because of the labor involved. When there is less manual review, merchants save money. Combining Consumer Authentication with a fraud solution, manual review can be reduced up to 50%.