Resources, Downloads & Wisdom
Everything you need to know about consumer authentication, at your fingertips.
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Visa DCAP and Visa Data Only: The Frictionless Path to Higher Authorization
Visa DCAP helps close the authorization gap by giving issuers richer transaction data. Visa Data Only (VDO) delivers it on the 3DS rails you already run — more approvals, no extra checkout steps.
Visa Data Only vs. Full EMV 3DS: Which Rail Should You Run?
Both run on the same protocol, but they solve different problems. A simple framework for choosing Visa Data Only (VDO), full EMV 3DS, or both.
Why Compelling Evidence Starts Before the Chargeback
Compelling Evidence doesn't begin when a chargeback is filed. It begins at the transaction. Learn why authentication, connected customer data, and consistent transaction signals are becoming the foundation of stronger disputes, CE 3.0 readiness, and long term fraud prevention.
Latest Downloads
Why EMV 3DS?
Chargeback protection, increase authorization, comply with PSD2/SCA.
How does the liability shift work?
Which reason codes are protected? Which are not? Download our white paper to find out.
Serverless Integrations
Implement EMV 3DS in minutes with PAAY's JavaScript SDK — no server install required. Includes sandbox testing and integration options.
Partnership Program
Offer your merchant base EMV 3DS. Partner pricing, platform access, and three flexible tiers for processors, gateways, and more.
How It Works
See how PAAY authenticates transactions in real-time during checkout with no impact on the customer experience.
PAAY and Traditional Fraud Tools
A holistic approach to fraud mitigation — how EMV 3DS complements traditional tools like AVS, CVV, and device fingerprinting.
Visa's Compelling Evidence Update
One-pager: How Visa's expanded CE rules change VAMP compliance and why 3DS is now essential for cross-merchant evidence.
The merchant's guide to VAMP
Visa's VAMP replaced VDMP in April 2025. Merchant thresholds drop to 1.5% in April 2026. What changed, what's at stake, and why 3DS is the only sustainable answer.
Visa DCAP and Visa Data Only
One-pager: why Visa Data Only (VDO) is the DCAP path that already runs on PAAY — higher authorization, zero checkout friction, no new integration.
Frequently Asked Questions
Questions about our approach to authenticating ecommerce transactions? Check out our most frequently asked questions.
Learn About 3DSFeatured Resource
Estimate your 3DS ROI and Visa Data Only savings with our free calculators.
Open the CalculatorsFrequently asked questions
EMV 3-D Secure is the global authentication protocol for card-not-present payments. It cryptographically verifies the cardholder before authorization, which reduces fraud, shifts chargeback liability to the issuing bank on authenticated transactions, and increases authorization rates (issuers approve more authenticated payments). Merchants need it for chargeback protection, for Visa VAMP and Mastercard EFM compliance, and — in Europe — for PSD2 Strong Customer Authentication.
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