PAAY

PAAY Grow your business securely. PAAY is a leading consumer authentication service that is simple, secu

Over the next few days, we’ll be breaking down why Mastercard’s First-Party Trust program is such a game changer in the ...
31/07/2025

Over the next few days, we’ll be breaking down why Mastercard’s First-Party Trust program is such a game changer in the fight against friendly fraud. From cross-MID data to 3RI support, there’s a lot to unpack, and it’s all good news for merchants.

To kick things off, let’s start with the basics: What is Mastercard’s First-Party Trust program, and why does it matter?

💳 First-Party Trust (FPT) is Mastercard’s latest tool to help merchants, PayFacs, and acquirers combat first-party fraud, aka “friendly fraud” by using smart data and EMV 3DS authentication.

🔑 Why This Matters
-Merchants get the tools to present strong evidence during disputes and protect their revenue.
-Issuers gain visibility into actual transactions, reducing unnecessary consumer conflicts.
-Consumers benefit from smoother experiences and fewer friction points at checkout.
-For merchants adopting EMV 3DS, the program strengthens both dispute defense and compliance positioning.

Recently, our CEO shared his thoughts on Visa’s updates to Compelling Evidence 3.0, and we wanted to add our two cents. ...
21/07/2025

Recently, our CEO shared his thoughts on Visa’s updates to Compelling Evidence 3.0, and we wanted to add our two cents. 💭

Visa’s move to automatically enroll merchants using Visa Secure (including Data Only) into Compelling Evidence 3.0 is a strong step toward fighting first-party fraud. We agree: the rails matter, and EMV 3DS is critical infrastructure in making all of this work.

But let’s be honest. The “same merchant” rule is still a roadblock. Limiting Compelling Evidence eligibility to two matching past transactions with the same merchant excludes countless valid disputes from being blocked. That limits protection and weakens the value of the entire framework.

From PAAY's vantage point:
EMV 3-D Secure-authenticated transactions should not trigger TC40 fraud reports and Compelling Evidence 3.0 should be built to reflect how modern merchants operate.

We’re glad this is still in the advisory period, and we’re hopeful Visa is open to feedback. These are important changes, but they only work if they reflect today’s fraud landscape and give merchants a fair shot at protection.

THE FEAR OF FRAUD 🧟‍♂️Selling online can be... spooky! Here are some scary truths to e-commerce business and how PAAY ca...
31/10/2024

THE FEAR OF FRAUD 🧟‍♂️

Selling online can be... spooky!

Here are some scary truths to e-commerce business and how PAAY can help you face your fears! 👻

Does fraud scare you?!

🎃

3-D Secure 101! 🔐EMV 3-D Secure is a global mandate for a reason—it’s a powerhouse for fighting fraud. But that’s just t...
16/10/2024

3-D Secure 101! 🔐

EMV 3-D Secure is a global mandate for a reason—it’s a powerhouse for fighting fraud. But that’s just the beginning. 💡

So, why should your business be using EMV 3DS? Let’s break it down:

✔️ Lower fraud risk
✔️ Higher authorization rates
✔️ Shift in liability (fewer chargebacks!)
✔️ Seamless checkout experience 🛍️

Ready to boost your payment security and grow your business? It’s time to level up! 💳🔒

For some of you, this will be a no-brainer. For those who are new, this is probably your first question. It's been a whi...
15/10/2024

For some of you, this will be a no-brainer. For those who are new, this is probably your first question. It's been a while since we answered this popular one, so to all the newcomers—welcome!

📢 What’s EMV 3-D Secure?

EMV 3-D Secure (3DS) is THE global standard for online payment security! 🌍

🔒 It helps protect businesses and customers by adding an extra layer of authentication, ensuring safer online transactions.

💡 Fun Fact: 3DS helps businesses shift fraud liability, meaning fewer chargebacks and more secure payments for you!

Who should be using EMV 3-DS? ANYONE and EVERYONE who sells card-not-present products or services 💳

📣 BIG NEWS for Subscription-Based Businesses! Say goodbye to failed payments and fraud risks with 3RI, now integrated wi...
14/10/2024

📣 BIG NEWS for Subscription-Based Businesses!

Say goodbye to failed payments and fraud risks with 3RI, now integrated with Checkout Champ’s CRM to offer this cutting-edge solution!

🔐 Boost your security
📈 Increase approval rates
🙌 Enhance customer experience

With 3RI, you can take control of recurring transactions like never before and stay ahead with the industries best fraud prevention technology.Ready to upgrade your payments game? Let’s get started!

DM us for more info!

Curious about EMV 3-D Secure?! In need of a fraud prevention solution for your business and your clients? The PAAY team ...
22/05/2024

Curious about EMV 3-D Secure?! In need of a fraud prevention solution for your business and your clients?

The PAAY team will be at and ready to walk you through the magic of our fraud solution. Stop by booth #6 or send us a direct message for some 1-1 time at the event 👋

We know how much you love losing money and don’t need PAAY 🥳🃏🤡
01/04/2024

We know how much you love losing money and don’t need PAAY 🥳🃏🤡

“Merchants want to live in a world where they don’t have to spend 20% of their bottom line trying to deal with and manag...
06/02/2024

“Merchants want to live in a world where they don’t have to spend 20% of their bottom line trying to deal with and manage fraud. When they built 3DS 2.0, they took all of this into consideration. It is really a set it and forget it experience.” - Yitz Mendlowitz

In this podcast episode with Payments Consulting Network, our CEO uses his years of insights and gets detailed about the impact fraud has on e-commerce merchants.

If you ever catch yourself wanting to know more about or just the future of , this episode is for you.

Listen here! 🎧
https://lnkd.in/gUcaHGX5

PAAY is kicking off #2024 in fashion!Link up with two of PAAY’s very best for all your questions or just to say hi ...
11/01/2024

PAAY is kicking off #2024 in fashion!

Link up with two of PAAY’s very best for all your questions or just to say hi 👋

As we prepare to enter into the new year, the PAAY family wishes everyone a very Merry Christmas and a wonderful 2024.Ha...
22/12/2023

As we prepare to enter into the new year, the PAAY family wishes everyone a very Merry Christmas and a wonderful 2024.

HaPAAY Holidays with health and joy!

Happy Hanukkah from the PAAY team 🕎 May the light of love and hope shine bright.
07/12/2023

Happy Hanukkah from the PAAY team 🕎 May the light of love and hope shine bright.

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Chittagong Division

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Monday 09:30 - 17:00
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Tuesday 09:00 - 17:00
Wednesday 09:00 - 17:00
Thursday 09:00 - 17:00
Friday 09:00 - 17:30

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