Partner Platform

PAAY's platform allows ISO's, processors, gateways, CRM's and fraud prevention companies to quickly and easily offer merchants a frictionless version of EMV 3DS. Whether you're looking at integrating PAAY directly into your CRM, or if you simply would like to provide PAAY to a few select merchants - our customer success team will get you set up.

As a reseller, you'll receive access to our dashboard, support with integrations on a per merchant basis, and sales training.

Designed for Merchants

PAAY's EMV 3DS is unlike any other fraud prevention tool because it protects merchants from friendly fraud. Friendly fraud occurs when a legitimate cardholder makes a legitimate purchase and then afterwards he or she claims they did not make the purchase. This is impossible for fraud and chargeback prevention algorithms to predict. Transactions authenticated through PAAY receive a liability shift off of the merchant and onto the issuing bank.

Increase authorizations


One time integration - Works across all card networks


Chargeback liability shift - Off the merchant, onto the issuing bank


No false declines - All transactions go through as normal

Subscription merchants are protected on the first transaction and first re-bill

100% Frictionless - Does not interrupt the customer experience at checkout

PSD2 compliance by providing strong customer authentication


For merchants, integration options include a JavaScript SDK and a customizable API. We also offer a unique Browser-MOTO hybrid solution.

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