3D SECURE AUTHENTICATION, COMPATIBLE WITH ANY WEBSITE.
Every E-commerce platform works differently. We understand that.
Our solution is clean and easy to implement code; no changes required.
Works with all processors and gateways that support 3D Secure.
3D SECURE VERIFICATION
PAAY has integrated its software with Visa and MasterCard’s 3D-Secure program in a way that ISOs and merchants can benefit from the program’s advantages, without impacting cart abandonment. In effect, PAAY has turned an imperfect solution into the right answer.
Liability shift away from online merchants to card issuers for all fraudulent chargebacks, for transactions that qualify for 3D Secure protection. This happens through PAAY’s authentication software.
PAAY’s 3D Secure authentication software comes in different products, to work with all e-commerce merchants, regardless of shopping cart and gateway.
LOWER INTERCHANGE RATES
The majority of 3D Secure verified transactions qualify at a lower rate than they would, getting as close to card present as possible. Open up profit margins for your e-commerce portfolio and start a new race to the bottom.
Fraud protection on Visa reason codes 75 and 83 and MasterCard reason codes 4837, 4849 and 4863. When a user disputes a charge, liability falls to the card issuer, without impacting a merchant’s chargeback ratio.
LESS CART ABANDONMENT
Simple checkout for customers. PAAY’s authentication solution doesn’t disrupt the consumer checkout process. Verification happens on the backend, with no 3D Secure pop-up or additional friction. This has no impact on cart abandonment.