Paay

The page describes PAAY's 3DS authentication solutions for merchants of every size and says they can reduce chargebacks, increase authorization approval rates, and provide liability shift on authenticated transactions.

The page features PAAY team insights on EMV 3DS, chargeback prevention, fraud trends, liability shift, and ecommerce payment security.

The page says holiday-weekend ecommerce sales can coincide with increases in friendly fraud and post-purchase disputes, while higher transaction volumes and harder-to-detect fraud patterns pressure merchants to strengthen authentication and reduce fraud exposure.

The page explains the differences between frictionless and challenge 3DS flows and their relevance to conversion rates.

The page says VAMP evaluates fraud, approvals, and disputes together, and describes EMV 3DS as supporting data consistency, issuer decisioning, and transaction outcomes. It says risk-based 3DS can balance security and conversion.

PAAY is building an EMV 3DS platform for ecommerce merchants.

PAAY's savings calculator estimates chargeback reductions, fraud prevention ROI, and per-transaction costs for EMV 3DS authentication.

PAAY was founded in 2011 and provides EMV 3D Secure authentication in North America.

PAAY authenticates online transactions in real time using 150+ data points. Up to 85% frictionless rates, liability shift on authenticated transactions, and integration in days.

PAAY's privacy policy explains how it collects, uses, stores, and protects personal and payment data when users access its EMV 3DS authentication services.

PAAY's terms of service describe conditions for using its EMV 3DS authentication platform, API access, dashboard, and related payment security services.