Blog
Insights on payments, security, and authentication
Visa's Compelling Evidence Update: What It Means for VAMP Compliance and 3DS
Visa has expanded Compelling Evidence eligibility beyond single-merchant transactions, opening up cross-merchant data matching for chargeback defense. Here's why 3DS is now essential for VAMP compliance.
VAMP Is Here: Why 3D Secure Is Now Your Best Defense Against Visa's New Monitoring Program
Visa's new VAMP program combines fraud reports and disputes into one ratio, making reactive tools like RDR insufficient. Here's why 3DS is now essential for VAMP compliance.
Why US Merchants Can't Afford to Ignore 3D Secure in 2026
With only ~3% of US ecommerce transactions using 3DS today and global adoption surging, American merchants face a closing window to get ahead of the curve.
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Frictionless vs. Challenge: Understanding the Two Sides of 3DS Authentication
Not all 3DS transactions are the same. Learn the difference between frictionless and challenge flows, and why the split matters for your conversion rates.
The True Cost of Chargebacks: Beyond the Dollar Amount
A chargeback doesn't just cost you the transaction amount. Between fees, lost merchandise, and network penalties, the real cost is 2-3x what most merchants expect.
How Liability Shift Works — and Why It's Your Most Powerful Fraud Defense
Liability shift is the most valuable benefit of 3D Secure, but it's often misunderstood. Here's exactly what it covers, what it doesn't, and how it protects your bottom line.
VGS and PAAY Join Forces for Tokenization and 3DS
Very Good Security (VGS) and PAAY have partnered to combine tokenization and 3DS authentication for stronger merchant protection.
Easing the Card-Not-Present Fraud Headache: How EMV 3-D Secure Can Help
As consumers increasingly buy online, card-not-present fraud is growing. Learn how EMV 3-D Secure technology helps merchants combat this threat.
PAAY's CEO Honored with BAI Rising Star Award
PAAY's CEO Yitz Mendlowitz was selected as a BAI Rising Star award winner, recognizing innovative leaders in financial services.
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PAAY Survey: Card-Not-Present Fraud Tough to Prevent; Frustrated Retailers Seek New Solutions
A joint survey of 152 retail executives reveals that 75% are extremely concerned about fraud, and 7 out of 10 seek new solutions.
PAAY Partners with SOLVPATH for Merchant Support and Fraud Prevention
PAAY and SOLVPATH team up to tackle friendly fraud and improve customer support efficiency for ecommerce merchants.
PAAY Partners with OpenPath to Bring 3DS Authentication to More Merchants
PAAY and OpenPath have partnered to integrate EMV 3DS authentication directly into OpenPath's payment gateway, expanding access to fraud protection for merchants.
What is EMV 3D Secure?
EMV 3-D Secure (3DS 2.0) is a security protocol that allows card issuers to authenticate consumers without adding friction at checkout.
PAAY and Payway Partner to Deliver 3DS Authentication for Enterprise Merchants
PAAY has partnered with Payway to bring EMV 3DS authentication to enterprise merchants, combining Payway's payment processing expertise with PAAY's authentication technology.
Friendly Fraud: Honest Mistake or Malicious Chargeback?
Understanding the difference between honest mistakes and intentional chargeback fraud, and how EMV 3DS protects merchants from both.