The Safest Wayto Sell Online
PAAY authenticates online transactions in real time using 150+ data points, so issuers approve more and merchants risk less. Higher authorization rates, 100% liability shift on authenticated transactions, and zero checkout friction for most customers.
Premium Widget Pro
Annual subscription
$299.00
Key insight: More data = better issuer decisions. Up to 85% of transactions approved without customer friction. (Source: Market.us)
Higher Authorization
Issuers approve more with rich data
Liability Protection
100% shift to issuer on authenticated txns
Global Compliance
PSD2, SCA, and regional mandates
Certified by the world's leading card networks
What is 3D Secure, and What Does PAAY Do?
When you buy something online, no one swipes a card or checks your ID. 3D Secure is the behind-the-scenes protocol that verifies it's really you, in real time, during checkout.
The Problem
Online fraud costs merchants over $33 billion globally every year. Without a way to verify the cardholder, merchants absorb chargebacks, lose revenue, and risk losing their ability to accept payments altogether.
Source: Nilson Report, 2024
How 3D Secure Works
During checkout, 3DS collects 150+ data points (device info, location, behavior) and sends them to the cardholder's bank. The bank makes a risk decision in milliseconds. Low-risk transactions are approved instantly (frictionless). Higher-risk ones get a quick verification step (challenge).
What PAAY Does
PAAY is your 3DS authentication provider. We sit between your checkout and the card networks, collecting the richest possible data to maximize frictionless approvals while shifting fraud liability to the issuing bank. One API, all major card brands, live in days, not months.
What Merchants Get with 3DS Authentication
Most transactions approved with zero customer friction
Source: Market.us, 2024
Authenticated transactions show 11 bps vs 20 bps fraud
Source: Visa, 2024
Issuers approve more when they trust the transaction
Source: Visa, 2024
On authenticated transactions, fraud chargebacks become the issuer's responsibility
EMV 3DS protocol guarantee
Sell More. Risk Nothing.
PAAY is purpose-built for one thing: authenticating online transactions so you get paid and the issuer takes the fraud liability. Here's what makes us different.
Processor-Agnostic
PAAY works alongside any payment processor or gateway. Unlike built-in 3DS from Stripe, Adyen, or Braintree, you get dedicated authentication that isn't tied to one provider.
150+ Data Points
More data means better issuer decisions. PAAY sends rich device, behavioral, and transaction data to issuers, far beyond what basic 3DS integrations provide.
Authenticate, Don't Decline
Traditional fraud tools block suspicious transactions, causing false declines and lost revenue. PAAY authenticates every transaction. You capture the sale, and the issuer takes the liability.
Live in Hours, Not Months
PAAY integrates between your checkout and gateway with minimal code. Most merchants are live within hours or days, not the weeks or months typical of enterprise security rollouts.
What Happens Without Dedicated 3DS?
vs. Doing Nothing
Without 3DS, you absorb 100% of fraud chargebacks. Under Visa's VAMP program, TC40 fraud reports AND disputes count in one ratio, and the threshold drops to 1.5% in April 2026. Exceeding it means fines, reserve holds, and potential account termination.
vs. Built-In Processor 3DS
Processor-bundled 3DS is convenient but limited. You're locked to one provider, get fewer data points, and lose leverage to negotiate rates. PAAY gives you dedicated authentication that works across processors.
vs. Legacy Fraud Tools
Rules-based fraud tools decline suspicious transactions, including many legitimate ones. PAAY doesn't decline; it authenticates. You keep the sale and shift the liability.
Authentication Built for Every Business
Billions of purchases are made around the world every minute. 3DS takes a click or a snap, within the milliseconds of a purchase, to verify it's legit.
Growing businesses that need enterprise-grade fraud protection without enterprise complexity.
- Quick setup: integrate in days
- Send 150+ data points to issuers
- Pay only for what you use
- Dedicated support team
Perfect for merchants processing $50K-$5M/month
Get Started...and shift the chargeback liability to the issuing bank.
See 3DS Authenticationin Action
Watch how PAAY sends rich transaction data to card issuers. Toggle between flows to see both experiences.
Premium Software
Annual subscription
Authentication Flow
Customer Checkout
Payment details entered
Collecting Data
Gathering 150+ data points
Sending to Issuer
Transmitting merchant data
Risk Analysis
Issuer evaluates transaction
Frictionless Approved
Low risk, no challenge needed
Transaction Complete
Liability shifted to issuer
Device Intelligence
- Browser type & version
- Screen resolution
- Time zone
Transaction Context
- Purchase amount
- Merchant category
- Shipping address
Behavioral Signals
- Session duration
- Navigation patterns
- Previous purchases
Ready to protect your business with 3DS authentication?
Get Started with PAAYTrusted by Leading Payment Providers
Our Partnership Program makes it easy for Payment Service Providers to offer a secure, reliable EMV 3DS solution.
Try PAAY Risk-Free
Most merchants go live in hours or days, not weeks. Start your risk-free trial. Use it, see the results, and only pay if you continue. No commitments, no pressure. If it's not for you, we part as friends.
Why now? Visa's new VAMP program drops merchant thresholds to 1.5% in April 2026, and TC40 fraud reports now count alongside disputes. Reactive tools like RDR can't stop TC40s. Only 3DS prevents fraud at the source.
Let's Talk About Your Business
Our team is ready to help you understand how PAAY can protect your revenue and simplify your payment authentication.