PAAY is a consumer authentication service that helps merchants protect online sales and payments from fraudulent chargebacks. PAAY is a certified provider of EMV 3-D Secure (3DS2), which allows merchants to authenticate cardholders without disrupting the customer experience at checkout. PAAY's services can protect purchases made through web, mobile, and call centers, and can be deployed locally to reduce lag time.
PAAY's mission is to help businesses make and keep more of what they sell online, and to give merchants more control over their destiny. PAAY's services can help merchants: increase payment authorizations, reduce unnecessary chargebacks, monitor for fraud, and meet compliance requirements.