EMV 3DS Future Proofs Your eCommerce Payments
Authenticate consumers, shift liability, and increase authorization rates, all without adding friction to the checkout experience.
What is EMV 3DS?
EMV 3DS is a global payment security standard. Think of it like the chip on your physical credit card, but for online transactions. It enables cardholders to authenticate themselves during checkout, using risk-based analysis to approve the majority of transactions frictionlessly, with no pop-ups or redirects.
Known by branded names such as Visa Secure, Mastercard Identity Check, Amex SafeKey, and Discover ProtectBuy, EMV 3-D Secure protects merchants with liability shift while meeting global compliance mandates like PSD2.
Authentication in Under 3 Seconds
PAAY collects 150+ data points during checkout and sends them to the card issuer for real-time risk assessment. The issuer decides whether to approve frictionlessly or request a cardholder challenge, all behind the scenes.
Customer Enters Payment Details
PAAY Collects 150+ Data Points
Issuer Performs Risk Assessment
Frictionless or Challenge Decision
Liability Shifted to Issuer
Transaction Complete
Average time: under 3 seconds
PSD2 & Strong Customer Authentication
The Payment Services Directive 2 (PSD2) mandates Strong Customer Authentication (SCA) for e-commerce transactions in the European Economic Area. EMV 3DS is the only acceptable solution to perform SCA.
Something They Are
Biometric verification: fingerprint or facial recognition
Something They Have
A trusted device: mobile phone or hardware token
Something They Know
A password, PIN, or secret known only to the consumer
SCA requires two or more of these factors. PAAY's JS SDK automatically enforces SCA when both the acquiring bank and cardholder are in mandated regions. No extra configuration needed.
Authenticate, Protect, and Approve More
On authenticated transactions, fraud chargebacks become the issuer's responsibility
Industry-leading authentication success rate across all card networks
Transactions approved without any cardholder interaction
PAAY Puts EMV 3DS to Work for You
Merchants
Start protecting your online sales today. Reduce chargebacks, increase authorization rates, and deliver a frictionless checkout experience to your customers.
View SolutionsPayment Service Providers
Stay competitive and grow your business with PAAY. Offer your merchants best-in-class 3DS authentication and unlock new revenue opportunities through our partner program.
Partner With UsReady to Protect Your Transactions?
Start a risk-free trial and see PAAY in action. Most merchants go live in hours or days, not weeks.