This is a security feature which ensures that payments using certain credit and debit cards are authenticated by the cardholder's bank at the time of the transaction - read more at the Paypal website. Online merchants using Paypal 3D will be able to protect themselves from chargebacks and login to Cardinal Commerce to track the transactions customers have made in your online store. Reports offered include authentication activity, payment activity, notification activity and batch activity as well. Track the enrollment status, authentication status and the signature status for each credit card purchase made.

If your gateway is PayPal Websites Payments Pro and your site is based on UK then this applies to you. You MUST have an account with Cardinal before January 21st if you want to be able to process Maestro cards on your site.