PAAY, in a nutshell.



We are a 3D Secure e-commerce authentication solution that protects against friendly fraud. Our solution protects chargebacks on a network level! Everything happens in the backend, with no impact on the consumer experience.



Lower interchange rates for processors.



When transactions are authenticated through us, merchants potentially qualify for 15-20 bps lower interchange on average. Decrease your merchants rates and open up new profit margins for your e-commerce portfolio.



Learn more

Fraud protection for merchants.



Are chargebacks a problem? Our solution authenticates transactions on a network level and shifts the liability of fraudulent chargebacks off merchants and onto the card issuers. We work best in combating friendly fraud, a pressing issue in the e-commerce space.



Learn more

Authentication for any cart.



Our SDK is built on PHP that can easily integrate into any customized checkout page. Not PHP? Don’t worry! We are currently working on other languages. In the meantime, you could use our API solution; It’s language agnostic.



Learn more



Are you a merchant?

Our software works and can be integrated with your shopping cart, no matter what that is, in no time. Give your customers the same simple, fast and smooth checkout experience, while you still get all the benefits of 3D Secure. Stop worrying about online fraud and chargebacks starting today.

Tell me more

Are you an ISO?

You’ve prepared your offline accounts for EMV; now it’s time to focus on your online accounts. Maximize your profits and strengthen your relationship with your merchants by offering them a sticky product that will help guard their e-commerce business from CNP fraud and costly chargebacks.

Let's talk

Browse our products!

PAAY’s authentication software comes in all sorts of products, to fit all e-commerce merchants. Whether looking for a backend solution or our authentication solution coupled with a checkout form, we have the answer. Browse through our products to see what works best with your needs!

Show me