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VAMP Explained: Why EMV 3DS Is Becoming Essential for Merchant Performance
VAMP is redefining how merchant performance is measured by evaluating fraud, approvals, and disputes together instead of in isolation. In this new model, EMV 3DS is becoming essential, not just for fraud prevention, but for improving data consistency, issuer decisioning, and overall transaction outcomes. An always-on, risk-based 3DS strategy helps merchants balance security and conversion, which is exactly what VAMP rewards.
What CE 3.0 Actually Unlocks in a VAMP Environment
CE 3.0 is changing how merchants operate in a VAMP environment by turning fraud defense from reactive to proactive. By leveraging data collected through EMV 3DS, merchants can now influence outcomes tied to TC40s at scale, without being limited by acquirers. The result is stronger data matching, broader coverage, and a more effective way to manage fraud signals before disputes even happen.
Visa's Compelling Evidence Update: What It Means for VAMP Compliance and 3DS
Visa has expanded Compelling Evidence eligibility beyond single-merchant transactions, opening up cross-merchant data matching for chargeback defense. Here's why 3DS is now essential for VAMP compliance.
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.
Frequently Asked Questions
Questions about our approach to authenticating ecommerce transactions? Check out our most frequently asked questions.
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