[espresso]

Originally Posted by ambal

To answer your question - you do not have to use CardinalCommerce in order to process payments via BeanStream. It can work without CardinalCommerce, too. Cardinal Commerce is needed if you want to enable 3D Secure protection.

Thanks ambal.
Yes, sorry I wasn't clear, this thread is about Beanstream AND 3-D secure.

Beanstream can be set up to work with 3-D secure. So they have VBV verified by Visa and MasterCard built in. But they are not familiar with XP. Unfortunately, I believe I can't set up XP on a DEV site to test this functionality.

In todays fraudulent world, 3-D is a must have. We need the maximum protection against fraud.