Pricing
Flexible, volume-based pricing that scales with your business. Calculate your potential savings below.
Plans That Scale With You
We customize pricing based on your transaction volume and business needs. No hidden fees. No long-term contracts. Every plan includes full EMV 3DS authentication and liability shift on authenticated transactions.
Pricing typically starts at a few cents per authentication. Contact us for a quote tailored to your volume.
Small Business
For growing e-commerce businesses
- EMV 3DS 2.x authentication
- Liability shift protection
- Basic reporting dashboard
- Email support
Growth
For scaling merchants
- Everything in Small Business
- Advanced analytics
- Volume discounts
- Priority support
Enterprise
For large organizations & PSPs
- Everything in Growth
- Custom integrations
- White-label options
- Dedicated account manager
Calculate Your Savings
See how much PAAY can save your business through chargeback protection and reduced false declines.
Your Business Metrics
Industry CNP average: 0.6-1%
Current Chargeback Cost
*LexisNexis: Each $1 of fraud costs merchants $3.75 total
With PAAY Protection
Estimated Annual Benefit
$1,076,400
Chargeback savings + recovered revenue
* Estimates based on industry research from LexisNexis, Chargeflow, and Stripe. 80% chargeback reduction is conservative (industry reports 70-90%).
False decline reduction based on CNP authorization rate improvement from 85% to 95%. Actual results depend on your business type, transaction patterns, and implementation.
Frequently Asked Questions
EMV 3-D Secure (also known as 3DS2) is a globally accepted authentication protocol designed to make e-commerce payment processing more secure. It enables real-time data exchange between the merchant, card issuer, and cardholder to verify transaction legitimacy. Unlike the older 3DS1 protocol, EMV 3DS operates mostly in the background without interrupting the customer experience.
Still have questions?
Contact our teamLet's Talk About Your Business
Our team is ready to help you understand how PAAY can protect your revenue and simplify your payment authentication.