
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.


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.

Certified By —
PAAY Puts EMV 3DS
to Work for You
90% of transactions are authenticated (protected), and 100% are sent through for authorization.
Our solution is completely frictionless, meaning the authentication happens behind the scenes.
Protect purchases made in all card-not-present environments: mobile, web, and phone orders.
PAAY's Cloud-Based solution means no more outbound calls. Plus, it’s deployed locally to eliminate lag time.
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.
Don’t have a developer in house? We got your back. Schedule a call to arrange a complimentary integration.










