authentication made easy

with EMV 3DS

Increase approvals,

eliminate friendly fraud,

& reduce false declines.

NEW DATA: The Impact Of Transaction Declines And Disputes On The Consumer-Merchant Relationship


What is PAAY

PAAY is a leading, innovative SaaS company that increases authorization rates for e-commerce merchants and protects them from fraud, through its frictionless EMV 3DS solutions. By enabling the exchange of greater contextual data between the merchant and the cardholder’s bank, PAAY authenticates cardholders in real time. As a result, the fraud liability is shifted off the merchant/business owner and onto the issuing bank. Furthermore, global markets are increasingly mandating EMV 3DS, and PAAY simplifies compliance.

Frictionless Globally


PAAY's EMV 3DS solution utilizes risk based authentication and is completely frictionless. Everything happens in the background unseen by the cardholder. PAAY provides merchants protection against friendly fraud with no pop ups, and no lag time.

SCA for the EU

By 2021 the EU's Payment Services Directive (PSD2) will require merchants to implement strong customer authentication (SCA). PAAY's EMV 3DS solution provides merchants PSD2 compliance via SCA. PAAYs PSD2 solution verifies cardholders with two of the three verification elements: knowledge (something the user knows), possession (something the user has), and inherence (something the user is.)


Increase Approvals

Liability Shift

PSD2 Compliance

Authorization rates drop from 98% for in person transactions to 84% for online purchases; however Visa and MC report up to 10% increase in auth rates with EMV 3DS.

Say goodbye to disputes. Authenticated transactions receive a chargeback liability shift and go straight to the issuer. PAAY authenticates over 90% of transactions. 

By 2021, the EU’s Payment Services Directive (PSD2) will require merchants to implement strong customer authentication. PAAY makes PSD2 compliance simple.

How it works

PAAY makes it simple for merchants to receive all the benefits of 3-D Secure without the shortcomings that typically come along with it. Unlike traditional fraud prevention tools or chargeback mitigation companies, PAAY 's solution provides merchants with a liability shift against fraudulent chargebacks. This means there are no disputes - the chargeback does not hit the merchant account. 

Our software solution sits on the merchant payment form and allows the acquiring bank (merchant’s bank) to verify with the issuing bank (cardholder’s bank) that a cardholder is in fact who they say they are. This is done before the transaction is sent through for processing via a security check utilizing risk based authentication. 

To make getting started easy, we have built a Javascript SDK for 3DS 1.0 & 3DS 2.1. Currently, our solution functions as a hybrid and will trigger the appropriate version of the protocol. Factors that determine the version include the issuing bank, gateway, and processor involved in the transaction. 

Secure Remote Commerce

JavaScript SDK makes integration simple

Receive full API access


Quickly & easily login to monitor transactions

Dedicated account manager & customer support

No impact on the customer experience

PAAY sits between the shopping cart and the gateway; authenticating transactions in real time with absolutely no lag. Distinct from fraud prevention tools, PAAY does not decline suspicious transactions. All transactions go through as normal. Everything happens in the background with no impact on the customer experience.

Cardholder visits e-commerce site and decides to make a purchase, entering credit card info.

Authentication happens in the background between the payment page and the gateway while the cardholder completes checkout.

Transaction and authentication are complete and sent to processing.

"I think most ISO's today focus on the SMB space and PAAY does a great job at supporting these merchants"

- Chelsie Cooper, ETA 40 Under 40 Payment Veteran 

© 2019 PAAY. All rights reserved.  |  5 Hanover Square, Suite #2102 , New York, NY,  10004

Get in Touch
  • LinkedIn Social Icon
  • Twitter Social Icon
  • Facebook Social Icon