Case Studies
See how businesses like yours are using PAAY to increase authorization rates and eliminate chargebacks.
Real results from merchants using PAAY's EMV 3D Secure authentication platform.
Subscription Brand Cuts Chargebacks by Over 50% with EMV 3DS
The Challenge
A fast-growing direct-to-consumer health and wellness brand with a subscription-based model was facing dangerously high chargeback ratios. Recurring billing made them a frequent target for friendly fraud and unauthorized transaction disputes. With chargeback ratios approaching the 1% threshold set by card networks, they risked losing their merchant account entirely.
The Solution
The merchant implemented PAAY's EMV 3DS authentication across all card-not-present transactions. PAAY's authentication engine kept checkout smooth for legitimate customers while securing liability shift protection on every authenticated transaction. Integration into the existing payment stack took days, not weeks.
The Results
- Over 50% reduction in chargebacks within the first 90 days
- 10%+ increase in authorization rates across all card brands
- Maintained merchant account standing with acquiring banks
- Liability shift on 100% of authenticated transactions
E-Commerce Retailer Achieves 85% Frictionless Authentication
The Challenge
A high-volume e-commerce retailer was struggling with cart abandonment driven by checkout friction and a rising number of false declines turning away legitimate customers. Their legacy fraud tools were overly aggressive, declining a significant percentage of valid orders and representing millions in lost revenue annually.
The Solution
PAAY deployed its frictionless 3DS2 authentication solution, using risk-based analysis to authenticate the vast majority of transactions without any additional customer interaction. By passing rich transaction data to card issuers, PAAY enabled frictionless authentication on nearly all legitimate transactions while keeping strong fraud protection in place for high-risk orders.
The Results
- 85% of transactions authenticated frictionlessly, no customer action needed
- Measurable increase in completed transactions from reduced abandonment
- Significant return on investment within the first quarter
- False decline rate dropped dramatically
Payment Facilitator Deploys 3DS Across Its Merchant Portfolio
The Challenge
A leading independent sales organization serving thousands of small and mid-sized merchants needed a 3D Secure solution they could offer across their entire portfolio. Their merchants were increasingly facing chargeback issues and requesting fraud protection, but the ISO lacked the infrastructure to build and maintain a 3DS solution in-house.
The Solution
The ISO integrated once through PAAY's single API to enable 3DS authentication for their entire merchant base. PAAY's dedicated partner team provided onboarding support, merchant-level configuration, and real-time analytics dashboards for both the ISO and their individual merchants.
The Results
- 60% average chargeback reduction across the merchant portfolio
- Rapid merchant onboarding through single API integration
- New recurring revenue stream from 3DS authentication services
- Billions of dollars in transactions protected annually
Results That Speak for Themselves
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