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.

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SDK for PHP websites.

Take a look!

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  API for all other websites

Take a look!
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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.

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LIABILITY SHIFT

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.

E-COMMERCE SOFTWARE

PAAY’s 3D Secure authentication software comes in different products, to work with all e-commerce merchants, regardless of shopping cart and gateway.

 

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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.

CHARGEBACK PROTECTION

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.