Our Solutions
Full EMV 3DS authentication solutions built to protect your business, reduce chargebacks, and increase approval rates.
Complete Authentication Suite
From standard 3DS authentication to advanced merchant-initiated flows, PAAY provides the tools you need to protect every transaction.
EMV 3-D Secure
Our flagship solution authenticates every transaction in the background, shifting liability to card issuers without adding friction to the checkout.
Get StartedFrictionless Flow
Authentication happens invisibly using risk-based analysis. Up to 95% of transactions complete without any cardholder interaction.
Liability Shift
On authenticated transactions, 100% of fraud liability shifts from your business to the card issuer.
Higher Approval Rates
Authenticated transactions are trusted by issuers, leading to fewer declines and more completed sales.
PSD2/SCA Compliant
Meet Strong Customer Authentication requirements in Europe and regulatory mandates worldwide.
3DS AuthenticationSee It In Action
See exactly what happens behind the scenes when PAAY authenticates a transaction.
What Your Customer Sees
What Happens Behind the Scenes
Real-time authentication flow
Payment request initiated from checkout
Your customer sees a normal checkout. In under 2.5 seconds, PAAY has authenticated the transaction, shifted liability to the issuer, and protected you from fraudulent chargebacks, all without any friction.
Built for Performance, Security, and Scale
PAAY isn't just another 3DS provider. We built a platform that's fast, reliable, and flexible enough for merchants and payment partners of any size.
Sub-200ms Response Times
PAAY delivers authentication results in under 200 milliseconds on average. Your customers never wait, and the checkout stays fast and smooth.
PAAY platform data
99.99% Uptime
Built for enterprise reliability. Our infrastructure is redundant and monitored 24/7 so your authentication never goes down, even during peak traffic.
PAAY SLA guarantee
SOC 2 & PCI DSS Certified
PAAY is SOC 2 Type II audited and PCI DSS Level 1 certified. Your transaction data is handled with the highest security and compliance standards.
SOC 2 Type II audited
Reseller Dashboard
ISOs and payment facilitators get a dedicated dashboard, either PAAY-branded or custom-branded, to manage merchant accounts, monitor performance, and track authentication metrics across their portfolio.
Built for ISOs & PSPs
White-Label API
Embed PAAY's 3DS authentication into your own platform under your brand. Full API control with your branding, your domain, and your merchant experience.
Full white-label control
All Major Card Networks
Authenticate transactions across Visa, Mastercard, Amex, and Discover. Full coverage for web, mobile apps, and recurring payments, all from a single integration.
Visa, MC, Amex, Discover
Performance metrics from PAAY platform data and compliance certifications.
Try PAAY Risk-Free
Most merchants go live in hours or days, not weeks. Start your risk-free trial. Use it, see the results, and only pay if you continue. No commitments, no pressure. If it's not for you, we part as friends.
Why now? Visa's new VAMP program drops merchant thresholds to 1.5% in April 2026, and TC40 fraud reports now count alongside disputes. Reactive tools like RDR can't stop TC40s. Only 3DS prevents fraud at the source.