Cardinal helped bring 3D Secure to market, but it’s a complex, legacy system that pushes implementation burden onto developers. Evervault is built from the ground up as a developer-first authentication platform that abstracts complexity instead of passing it to you.
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DynamicFaster integrations mean quicker time-to-market. Better APIs reduce engineering costs. Seamless user flows increase conversion rates. When your developers can implement 3D Secure in hours instead of weeks, your entire payment strategy moves faster.
Cardinal's legacy architecture experiences ongoing latency and downtime problems that affect transaction success rates.
Payments are mission-critical, but with Cardinal, when issues arise, you're stuck with traditional support tickets instead of direct developer access.
Cardinal defaults to redirects that break your checkout flow, while Evervault keeps users engaged with embedded, customizable challenge modals.
One engineer, under an hour
Two simple steps: 1 API call (backend) + 1 SDK mount (frontend).
Multiple engineers, 1+ weeks
Multi-step orchestration across backend and frontend: manually wire method_url, iFrames, redirects, AReq/ARes/CReq flows.
Intent-based: Express what you want (e.g., "request an exemption") and Evervault handles the protocol configuration automatically.
Spec-first: APIs expose EMVCo acronyms directly. Developers must learn the protocol to build authentication strategies.
Inline, embedded challenge modal on both web and mobile with fully customizable branding. Keeps users in flow, resulting in higher completion rates.
Challenge flows redirect to external pages, often breaking user experience and causing drop-offs.
Human-readable response codes with complete request timelines and pre-built performance analytics in dashboard. Debug issues in minutes, optimize continuously
Raw EMVCo codes like N/A_06 require manual translation. Limited visibility into authentication timelines make it hard to understand where an authentication request failed and why.
Using Evervault Enclaves saves us weeks of engineering time compared to building and maintaining ourselves.
