© 2019 PAAY. All rights reserved.  |  5 Hanover Square, Suite #2102 , New York, NY,  10004

3-D Secure Hub

Because no fraud is friendly

Reseller Program

Learn more about our reseller program and how you can activate a new revenue stream by providing e-commerce merchants with 3-D Secure. It's a win-win for everyone.


Serverless Integration

PAAY's new serverless integration allows merchants to implement EMV 3DS in a matter of minutes. Seamless transition from 3DS 1.0 to 3DS 2.1

How It Works

PAAY sits between the shopping cart and the gateway; authenticating transactions in real time with absolutely no lag. 

EMV 3DS Demo Checkout Page

Use your credit card (you won't be charged) to see how a 3-D Secure payment works in real time. Everything happens in the backend, no lag time, no pop ups. Experience EMV 3DS yourself.

Lower Interchange Rates 

3-D Secure qualifies transactions as "less risky" on a network level - enabling Visa and Mastercard to offer lower interchange rates on reward cards. 

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Reseller Handbook

Updated product and program guide for 2019.

3-D Secure Liability Shift: Chargeback Protection

Which transactions qualify for a liability shift and which ones do not? Download our one pager for a detailed breakdown of 3-D Secure reason codes, ECI codes, and MCC codes.

Video Tutorial: How to Integrate 3-DS

Integrating 3-D Secure has never been easier. Merchants can now get up and running in under 5 minutes. 

Get in Touch
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646-847-7822 |       info@paay.co