Consumer authentication made simple with PAAY 3-D Secure 2

Increase Sales
Reduce Chargebacks
Comply with PSD2

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Stay ahead of the curve with PAAY

Millions of purchases are made around the world every day. All it takes is a click, or a tap. And in that millisecond of a purchase lives PAAY. As a certified provider of EMV 3DS, PAAY is a leading consumer authentication service for merchants that is simple, secure and seamless to implement. Certified by Visa, MasterCard, Discover, and American Express PAAY reduces unnecessary chargebacks and increases payment authorizations for merchants.

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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.

JavaScript SDK makes integration simple

Receive full API access


Quickly & easily login to monitor transactions

Dedicated account manager & customer support

Easy to use dashboard

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. 

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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.

e-commerce cardholder

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

e-Payment authentication
transaction complete

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 

We partner with leaders in the payment space to give merchants a simple, secure, and seamless EMV 3DS Solution. 

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