EMV 3DS for Small-Medium
Sized Businesses
Quick setup, powerful protection. Start reducing chargebacks and increasing authorization rates in days, not months.
Built for Growing Businesses
Enterprise-grade fraud protection without the enterprise complexity. Everything you need to protect your revenue.
Quick Setup
Get started in days, not months. Our simple onboarding process gets you protected fast with minimal development effort.
150+ Data Points
Send enriched transaction data to issuers for better authentication decisions. More data means higher approval rates and fewer false declines.
Pay-Per-Use Pricing
No hidden fees, no long-term contracts. Pay only for what you use and scale as your business grows. Transparent pricing from day one.
Dedicated Support
A personal onboarding team guides you every step of the way. From integration to optimization, we are with you from start to finish.
How It Works
Getting started with PAAY is straightforward. Three simple steps to protect your business and boost your bottom line.
Integrate
Connect to PAAY through our simple REST API or use one of our pre-built plugins for popular e-commerce platforms. Most merchants are live within days.
Authenticate
PAAY authenticates every transaction using EMV 3D Secure, sending 150+ data points to card issuers for smarter, faster authentication decisions.
Protect
On authenticated transactions, liability shifts from you to the card issuer. Reduce chargebacks, increase approvals, and keep more of what you earn.
Perfect For
PAAY is built for small and medium businesses that want enterprise-level fraud protection without the overhead.
E-commerce Stores
Protect your online store from fraud and chargebacks while maximizing approval rates.
Subscription Businesses
Reduce involuntary churn from false declines and protect recurring revenue streams.
Digital Goods Sellers
Authenticate transactions for digital products where chargebacks are especially costly.
Growing Online Brands
Scale with confidence knowing your fraud protection grows with your business.
Get Started with PAAY
Join hundreds of small and medium businesses already reducing chargebacks and increasing approval rates with PAAY.
Start your risk-free trial today.
Get Started with PAAY