3D Secure with Cardinal

Cardinal is a 3D Secure provider that integrates with many third-party payment gateways on Shopify in the European Economic Area (EEA) and United Kingdom. Using Cardinal both reduces your risk of chargebacks and meets the regulatory requirements of payment directives for PSD2 in Europe. The PSD2 directive takes effect on September 14, 2019. There is an expected 18-month transition period for merchants to become compliant across the EEA and United Kingdom.


PayPal users in the EEA and United Kingdom are also required to enable 3D Secure checkouts. PayPal users on PayPal Website Payments Pro (UK) are able to sign up with Cardinal directly with PayPal, at no additional cost.

If you're using PayPal Website Payments Pro (UK), then you must register your account and business through PayPal to enable 3D Secure checkouts. For more information, refer to 3-D Secure for Website Payments Pro. PayPal Express is already PSD2 compliant so no action is required for this payment method.

Additional third-party payment gateways

If you use a supported third-party payment gateway and your Shopify admin displays a message requesting you to connect with Cardinal, then follow these steps:

  1. Sign up for Cardinal. Cardinal will contact you within 5 business days with a contract and further instructions.
  2. Enter your Cardinal credentials into the payment settings of your Shopify admin.
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