Calculators & Tools

Size the opportunity in seconds.

Free, instant estimates for the two questions merchants ask most — what EMV 3DS saves you, and what Visa Data Only earns you. Nothing is stored or sent.

Chargeback & fraud ROI

3DS ROI Calculator

Estimate the chargeback and fraud-prevention savings from EMV 3DS authentication and liability shift — and what it means for your bottom line.

Open calculatorAuthorization & interchange

Visa Data Only Calculator

Estimate your annual upside from Visa Data Only (VDO) — higher authorization from Visa's DCAP enhanced data, plus the net ~5 bps interchange incentive.

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Prefer numbers on your real traffic?

PAAY runs full EMV 3DS, Visa Data Only, and 3RI on one integration. Let's size the opportunity on your actual volume.

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