PAAY Partners with OpenPath to Bring 3DS Authentication to More Merchants

PAAY is excited to announce a strategic partnership with OpenPath, a next-generation payment gateway built for modern commerce. This integration brings PAAY's EMV 3D Secure authentication directly into the OpenPath platform, giving merchants seamless access to fraud protection without changing their existing payment workflows.

About OpenPath

OpenPath is a payment gateway that connects merchants to multiple processors, enabling flexible payment routing and optimization. Their platform is designed for merchants who need reliability, speed, and the ability to work with multiple acquirers simultaneously.

How the Partnership Works

Through this integration, OpenPath merchants can enable PAAY's 3DS authentication with minimal configuration. The authentication layer sits between the checkout and the gateway, verifying cardholder identity in real-time before transactions are authorized. Merchants benefit from:

• Integrated 3DS authentication within the OpenPath gateway — no separate integration required
• Liability shift on authenticated fraud chargebacks, protecting merchant revenue
• Increased authorization rates as issuers gain confidence in authenticated transactions
• Frictionless checkout for the majority of transactions using risk-based authentication

Expanding Access to Authentication

This partnership reflects PAAY's commitment to making 3DS authentication accessible to merchants of all sizes. By embedding directly into payment gateways like OpenPath, we reduce the integration burden and make it easier for merchants to protect their businesses from fraud and chargebacks.

For merchants currently using OpenPath, enabling PAAY's 3DS authentication is straightforward. Contact our team to learn more about getting started.