Authentication for
High-Risk Merchants
Protect your merchant account, reduce chargeback ratios, and maintain processing capabilities. PAAY keeps your business running.
Protect Your Business TodayProtection Where It Matters Most
High-risk merchants face unique challenges. PAAY provides the authentication layer that keeps your business protected and your processing intact.
Liability Shift
100% fraud liability protection on authenticated transactions. When a transaction is authenticated via 3DS, the liability for fraudulent chargebacks shifts from you to the card issuer.
Reduce Chargeback Ratios
Stay below network thresholds set by Visa and Mastercard. Authenticated transactions that receive a liability shift do not count toward your chargeback ratio.
Maintain Account Standing
Keep your merchant account in good standing. Avoid escalating fees, processing holds, and the risk of account termination due to excessive chargebacks.
Better Data, Better Decisions
150+ data points sent to issuers on every authentication request. More data means smarter fraud decisions and fewer false declines on legitimate purchases.
Industries We Serve
PAAY specializes in authentication for industries where chargebacks pose the greatest threat to your business.
Nutraceuticals & Supplements
Protect subscription-based supplement businesses from friendly fraud and buyer's remorse chargebacks.
Travel & Hospitality
Authenticate high-ticket travel bookings and reduce post-travel chargebacks common in the hospitality industry.
Digital Goods & Services
Secure digital product sales where chargebacks are especially damaging due to the inability to recover delivered goods.
Subscription & Recurring Billing
Reduce chargebacks on recurring charges. Authenticated initial transactions create a foundation of verified cardholder consent.
Gaming & Entertainment
Authenticate in-app purchases and digital entertainment transactions where chargeback rates are inherently elevated.
The High-Risk Challenge
For merchants in high-risk industries, chargebacks are not just a nuisance. They are an existential threat. When your chargeback ratio exceeds card network thresholds (typically 1% for Visa and 1.5% for Mastercard), the consequences escalate quickly:
- Higher Processing Fees
Acquirers and payment processors impose surcharges on merchants with elevated chargeback ratios, eating into already tight margins.
- Account Holds & Reserves
Processors may hold a percentage of your revenue in reserve or freeze funds entirely, crippling your cash flow.
- Account Termination
Exceed thresholds for too long and you risk losing your merchant account entirely, landing on the MATCH list and making it nearly impossible to find a new processor.
How PAAY Solves This
PAAY's EMV 3D Secure authentication creates a powerful defense against chargebacks by verifying cardholder identity at the point of sale. Here is how it protects your business:
- Liability shifts to the issuer on authenticated transactions, removing fraud chargebacks from your ratio.
- 150+ data points give issuers the confidence to approve transactions, reducing false declines and increasing revenue.
- Frictionless authentication on most transactions means your customers do not notice any additional steps.
- Stay below thresholds and maintain your merchant account standing with processors and acquirers.
Protect Your Business Today
Do not wait for chargebacks to threaten your merchant account. Talk to our team about how PAAY can protect your high-risk business starting today.
Protect Your Business Today