Reduce Fraud & Operational
Losses with PAAY
Increase Acceptance Rates
PAAY provides issuers with additional data, so they are better informed and accept more payments.
Reduce False Declines
PAAY provides you with authentication data to improve internal fraud algorithms and risk-based workflows.
Shift the Fraud Liability
PAAY shifts the fraud liability onto the card issuer to shield your account from costly and time-consuming chargebacks.
Save Time, and Money
PAAY decreases time and resources spent on disputes, manual reviews, and fraud prevention.
Certified By —
Authenticating Online Purchases at Scale
As a certified provider of EMV 3DS, we have built a simple, secure, and seamless solution that allows consumers to authenticate themselves without adding friction to the payment process. By using risk-based authentication, everything happens behind the scenes.
01 Cardholder enters cart checkout
02 Authentication occurs behind the scenes
03 Transaction is sent for processing
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Be PSD2 Ready
with PAAY
As of now, EMV 3DS is the only tool available to perform SCA on purchases made via credit card for PSD2 compliance.
PAAY supports SCA by enabling the use of two-factor authentication. Its flexibility allows issuers to accommodate their authentication preferences, and using risk and regulatory factors, issuers decide how the customer will be authenticated. For example, using a one-time-passcode, knowledge-based questions, or biometrics.
A Global Solution,
for PSD2 & Beyond
PAAY automatically applies SCA in PSD2 live countries, and helps you manage exemptions while leveraging our frictionless authentication in countries where SCA is not required. Using knowledge of the card issuer’s behavior, PAAY optimizes the customer experience while protecting your sales.
Featured Resource
Credit Card Frictions Report
The Credit Card Frictions report focuses on how frictions associated with credit card use (such as transaction declines and disputes) impact consumer perceptions of the parties involved in these transactions. The report is based on a survey of more than 2,000 U.S. consumers who engage in online shopping.
