Friendly Fraud Protection done better!

PAAY’s technology is a win-win situation for both ISO’s and merchants.

ISO’s partner with PAAY to resell our technology to their online merchants.

Registered ISO’s get access to PAAY’s dashboard, which includes a simple merchant boarding, a reseller portal and detailed analytics on 3D Secure authentication transactions.

PAAY offers ISO’s educational material for their sales agents as well as an integrated package of sales tools. They can seamlessly resell the product to their merchants. For more information or to get access to the tools, sign up with us below!

PAAY's portal to check up on 3D Secure protected transactions and lower interchange rates

Say hello to fraud protection.


Fraud prevention tools, at best, can only offer guesstimates as to whether a transaction is fraudulent. Once a fraudulent transaction is approved, the merchant takes the fall. On the contrary, PAAY’s software offers fraud protection. Even if a transaction is disputed, merchants don’t have to worry, as the cost is now on the card issuer.

Say good-bye to false declines.


Fraud tools analyze the transaction details and flag it when something looks “wrong”. However, declined transactions means lost revenue, and in many cases, lost revenue from transactions that were mistakenly flagged. PAAY accepts all transactions and offers protection in the case of fraud to authenticated ones, maximizing profit.

Say no more to friendly fraud.


Friendly fraud cannot be controlled by traditional fraud prevention techniques, because the user is not detected as a fraudster (he is not one, to start with!). 3D Secure authentication is the only real way merchants can safeguard their business from friendly fraud chargebacks, shifting liability to card issuers and alleviating them from the costs.

I would like to be a reseller and I would like to know:

Does PAAY work with all processors?

The solution works with all processing platforms that have the pass through fields to capture 3D Secure data (ECI, CAVV, XID), and this is the case with almost all major processors.

The only processing platform that we know does NOT have the fields for 3D Secure, is First Data’s Omaha platform.

However, if you are using an overseas processor and are uncertain about whether it supports 3D Secure, it’s always better to reach out and ask.

If you are using, 3D Secure authentication can only happen if you are on one of the following processing platforms:

  • TSYS
  • Chase Paymentech
  • First Data’s Nashville Platform
  • Global Payments
How do I start using PAAY?

You can start using PAAY straight away. Sign up below and we will get back to you within the next day. To get started, you just need to sign a contract and register your BINs with us. We need these so that we can pass the authentication details of transactions to each merchant’s acquiring bank. Once we set you up, you will receive an email with access to your PAAY dashboard. From there, you can board merchants, see detailed analytics on their transactions, as well as whether they qualified for 3D Secure or not.

Which of my merchants can use PAAY?

All and any of your e-commerce merchants, except merchants with the following MCC codes:

  • MCC 4829: Wire Transfer/Money Order.
  • MCC 5967: Direct Marketing-Inbound Teleservices.
  • MCC 6051: Non-Financial Institution-Foreign Currency, Money Order (not Wire Transfer), Travelers’ Cheques.
  • MCC 7995: Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting and Wagers at Race Tracks.

Since we understand that merchants’ shopping carts work differently, we have created products that support 3D Secure authentication for varied cases. Learn more about our products here.

How do my merchants start using PAAY?

Once we set you up, you will receive an email with access to your PAAY dashboard, and a reseller handbook with all the information you need on getting your merchants up and running.

You can board merchants in your PAAY dashboard. Whenever you board a merchant, an account manager from our team will reach out to help them get started.

Do all card brands offer 3D Secure authentication?

Currently PAAY’s solution only qualifies Visa and MasterCard transactions for 3D Secure authentication. However, we will be launching American Express and Discover soon.

How does 3D Secure authentication happen?

The current version of 3D Secure works with risk based authentication. This means that transactions get authenticated at the backend, using previous consumer data. When a transaction cannot get authenticated in this way, 3D Secure prompts for user verification (requiring an extra piece of information at checkout). However, PAAY’s software only sends transactions through 3D Secure when they can get authenticated using risk based authentication, so as not to impact cart abandonment. In effect, when a transaction requires consumer verification, PAAY’s software will not send the transaction for 3D Secure protection.

More questions?

To learn more about PAAY and how it works, read our merchants page and our FAQs. Alternatively, reach out to us at We’re always here to help!


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