authentication made easy

with EMV 3DS

Eliminate chargebacks,

increase approvals, and

reduce false declines.


What is PAAY

PAAY is a SaaS company that protects e-Commerce merchants from fraud. To do this PAAY utilizes EMV 3DS; a global security protocol created by the credit card networks to authenticate CNP cardholders. Our EMV 3DS solution is designed to protect merchants from friendly fraud by providing a chargeback liability shift off of the merchant and onto the issuing bank.


Frictionless Globally


PAAY's 3DS solution utilizes risk based authentication and is completely frictionless. Everything happens in the background unseen by the cardholder. No pop ups, no lag time.

SCA for the EU

In the EU, PAAY's 3DS solution provides merchants PSD2 compliance via strong customer authentication (SCA). PAAY 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.)

How it works

Built for merchants & resellers

We've designed a product line that allows you to quickly and easily offer merchants all the benefits of 3-D Secure without the shortcomings that typically come along with it.

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. 


Lower Interchange

Visa transactions qualify for a lower interchange fee anywhere from 5 to 30 bps, directly impacting your bottom line.

Liability Shift

PSD2 Compliance

PAAY EMV 3DS offers chargeback protection by shifting the liability for friendly fraud off of the merchant & onto the issuing bank. 

PAAY EMV 3DS provides

 merchants SCA (Strong customer authentication) and is the only solution that provides PSD2 compliance & a liability shift.

Easy to Use Dashboard

Simple Integration - Copy and paste a few lines of code!

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. 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

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