magento-test/app/code/Magento/CardinalCommerce/etc/config.xml

<?xml version="1.0"?>
<!--
/**
 * Copyright © Magento, Inc. All rights reserved.
 * See COPYING.txt for license details.
 */
-->
<config xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="urn:magento:module:Magento_Store:etc/config.xsd">
    <default>
        <dev>
            <js>
                <minify_exclude>
                    <cardinal_commerce>/v1/songbird</cardinal_commerce>
                </minify_exclude>
            </js>
        </dev>
        <three_d_secure>
            <cardinal>
                <environment>production</environment>
                <api_key backend_model="Magento\Config\Model\Config\Backend\Encrypted" />
                <org_unit_id backend_model="Magento\Config\Model\Config\Backend\Encrypted" />
                <api_identifier backend_model="Magento\Config\Model\Config\Backend\Encrypted" />
                <debug>0</debug>
            </cardinal>
        </three_d_secure>
    </default>
</config>