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The Online
Merchant’s Best
Friend

Meet your new secret weapon in protecting your online business. PAAY protects online sales, and secures payments from fraudulent chargebacks.

Get Started
Increase Acceptance Rates by up to 11%
More than 16% of e-commerce sales are declined because the issuer does not have enough information to authorize the purchase. We can do better. Find out how PAAY provides issuers with the data they need to authorize transactions and increase your acceptance rates. Download Case Study
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Eliminate up to 90% of Chargebacks
When a customer calls their bank and claims they “didn’t make the purchase,” it shouldn’t be on you to refund the buyer. Instead, PAAY shifts the chargeback liability off of you, and onto the issuing bank. Yup, that’s right. The chargeback doesn’t hit your account. Find out more. Download Case Study
Certified By:
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Savings Calculator
The Invisible Little Add-On for Eye Popping Margins
 
Get Your Results Now
 
How PAAY Works
Simple, Secure, and Seamless Customer Authentication

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Authenticating

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  • Frictionless
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PAAY Puts EMV 3DS
to Work for You
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90% of transactions are authenticated (protected), and 100% are sent through for authorization.
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Our solution is completely frictionless, meaning the authentication happens behind the scenes.
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Protect purchases made in all card-not-present environments: mobile, web, and phone orders.
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PAAY's Cloud-Based solution means no more outbound calls. Plus, it’s deployed locally to eliminate lag time.
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How to Add EMV 3DS Authentication to Your eCommerce Store

Getting started couldn’t be easier. PAAY’s 3-D Secure platform and developer documentation makes it easy to install PAAY and monitor transactions. Contact us to sign up now.
Contact Us
 
Developer Docs
We offer a variety of integration options depending on use case. The most popular is our JavaScript SDK. You can start protecting your sales in a matter of minutes by copy/pasting our JavaScript onto your checkout page.
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API
90% of transactions are authenticated (protected), and 100% are sent through for authorization.
API Documentation
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JavaScript SDK
Our JavaScript SDK does all the heavy lifting. It’s by far the simplest integration on the market.
SDK Documentation
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PSD2
For merchants processing payments in the European Economic Area, we help you meet compliance requirements.
PSD2 Documentation
 
Don’t have a developer in house? We got your back. Schedule a call to arrange a complimentary integration.
Contact Us
Featured Merchant Case Study
This Small Business Increased Acceptance Rates by 11% with PAAY.
Download Case Study
Featured Resource
Use our Calculator to Estimate Your Savings with PAAY.
Discover More Resources
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Increase Your
Approval Rates:
It PAAYs
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Visa Global Registry of Service Providers

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