PAAY is a fraud protection tool that sits between the shopping cart and the gateway. It verifies transactions via 3D Secure; the only authentication program backed by the card brands.

PAAY’s software integration with Verified by Visa and MasterCard Secure Code risk based authentication allows merchants to benefit from the 3D Secure program, without impacting cart abandonment.

A user friendly checkout form that is exactly the same as a regular checkout. Risk-based 3D Secure authentication with no extra identification step required from the consumer.

Integrate PAAY’s 3D Secure authentication with your checkout flow, even if we don’t have a plugin that works with your cart. Get the right tool that works best with your platform.

Liability shift to card issuers for online fraud. PAAY’s authentication solution gives chargeback protection to e-commerce merchants, even if fraud occurs.

3D Secure authentication of transactions qualifies them at a lower rate. Decrease your merchants’ rates and open up new profit margins for your e-commerce portfolio.