3-D Secure Payment Gateway by CardinalCommerce vs Really Simple Security – Simple and Performant Security (formerly Really Simple SSL)

3-D Secure Payment Gateway by CardinalCommerce 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): * 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 with 3-D Secure 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 Cardinal Consumer Authentication 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 Cardinal Consumer Authentication 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 Resources Why do I need 3-D Secure or Strong Consumer Authentication? What is Strong Consumer Authentication? How do I get ready for PSD2 compliance?

Easily improve site security with WordPress Hardening, Two-Factor Authentication (2FA), Login Protection, Vulnerability Detection and SSL certificate. Really simple, Effective and Performant WordPress Security Really Simple Security is the most lightweight and easy-to-use security plugin for WordPress. It secures your WordPress website with SSL certificate generation, including proper 301 https redirection and SSL enforcement, scanning for possible vulnerabilities, Login Protection and implementing essential WordPress hardening features. We believe that security should have the absolute minimum effect on website performance, user experience and maintainability. Therefore, Really Simple Security is: Lightweight: Every security feature is developed with a modular approach and with performance in mind. Disabled features won’t load any redundant code. Easy-to-use: 1-minute configuration with short onboarding setup. Security Features Easy SSL Migration Migrates your website to HTTPS and enforces SSL in just one click. 301 redirect via PHP or .htaccess Secure cookies Let’s Encrypt: Install an SSL Certificate if your hosting provider supports manual installation. Server Health Check: Your server configuration is every bit as important for your website security. WordPress Hardening Tweak your configuration and keep WordPress fortified and safe by tackling potential weaknesses. Prevent code execution in the uploads folder Prevent login feedback and disable user enumeration Disable XML-RPC Disable directory browsing Username restrictions (block ‘admin’ and public names) and much more.. Vulnerability Detection Get notified when plugins, themes or WP core contain vulnerabilities and need appropriate action. Login Protection Allow or enforce Two-Factor Authentication (2FA) for specific user roles. Users receive a two-factor code via Email. Improve Security with Really Simple Security Pro Protect your site with all essential security features by upgrading to Really Simple Security Pro. Advanced SSL enforcement Mixed Content Scan & Fixer. Detect files that are requested over HTTP and fix them to HTTPS, both Front- and Back-end. Enable HTTP Strict Transport Security and configure your site for the HSTS Preload list. Firewall Really Simple Security Pro includes a performant and efficient WordPress firewall, to stop bots, crawlers and bad actors with IP and username blocks. 404 blocking – Blocks crawlers as they trigger unusual numbers of 404 errors. Region blocking – Only allow/block access to your site from specific regions. Automated and customisable Firewall rules. IP blocklist and allowlist. Security Headers Security headers protect your site visitors against the risk of clickjacking, cross-site-forgery attacks, stealing login credentials and malware. Independent of your Server Configuration, works on Apache, LiteSpeed, NGINX, etc. Protect your website visitors with X-XSS Protection, X-Content-Type-Options, X-Frame-Options, a Referrer Policy and CORS headers. Automatically generate your WordPress-tailored Content Security Policy. Vulnerability Measures When a vulnerability is detected in a plugin, theme or WordPress core you will get notified accordingly. With Vulnerability Measures, you can configure simple but effective measures to make sure that a critical vulnerability won’t remain unattended. Force update: An update process will be tried multiple times until it can be assumed development of a theme or plugin is abandoned. You will be notified during these steps. Quarantine: When a plugin or theme can’t be updated to solve a vulnerability, Really Simple Security can quarantine the plugin. Advanced Site Hardening Choose a custom login URL Automated File Permissions check and fixer Rename and randomize your database prefix Change the debug.log file location to a non-public folder Disable application passwords Control admin creation Disable HTTP methods, reducing HTTP requests Login Protection Secure your website’s login process and user accounts with powerful security measures. Two-Step verification (Email login) 2FA (two factor authentication) with TOTP Passwordless login with passkey login Enforce strong passwords and frequent password change Limit Login Attempts With Limit Login Attempts you can configure a threshold to temporarily or permanently block IP addresses or (non-existing) usernames. You can also throw a CAPTCHA after a failed login (hCaptcha or Google reCaptcha) Access Control Restrict access to your site for specific regions. Add specific IP addresses or IP ranges to the Blocklist or Allowlist. Useful Links Documentation Security Definitions Translate Really Simple Security Issues & pull requests Feature requests Love Really Simple Security? If you want to support the continuing development of this plugin, please consider buying Really Simple Security Pro, which includes some excellent security features and premium support. About Really Simple Plugins Our mission is to make complex WordPress requirements really easy. Really Simple Security is developed by Really Simple Plugins. For generating SSL certificates, Really Simple Security uses the le acme2 PHP Let’s Encrypt client library, thanks to ‘fbett’ for providing it. Vulnerability Detection uses WP Vulnerability, an open-source initiative by Javier Casares. Want to join as a collaborator? We’re on GitHub as well!