Resources, Downloads & Wisdom
Everything you need to know about consumer authentication, at your fingertips.
Let's ChatLatest Blogs
How EMV 3DS Helps Merchants Reduce VAMP Risk
VAMP is shifting merchant risk management beyond chargebacks and toward fraud signals, disputes, and transaction quality. This guide explains how EMV 3DS helps reduce VAMP risk by strengthening authentication, improving issuer confidence, and creating the trusted transaction signals that matter in today's payments ecosystem.
What Is EMV 3DS? The Complete Merchant Guide for 2026
EMV 3DS is rapidly becoming a cornerstone of modern ecommerce payments. This guide explains how EMV 3DS works, why it improves fraud prevention and authorization performance, and how it supports merchant strategies around VAMP, chargebacks, first-party fraud, and transaction quality in 2026.
Ecommerce Fraud Spikes During Holiday Weekends
Holiday weekends drive massive ecommerce sales, but they also create ideal conditions for friendly fraud and post purchase disputes to rise. As transaction volumes increase and fraud patterns become harder to detect, merchants are facing growing pressure to strengthen authentication, improve transaction trust, and reduce fraud exposure before disputes happen.
Latest Downloads
Why EMV 3DS?
Chargeback protection, increase authorization, comply with PSD2/SCA.
How does the liability shift work?
Which reason codes are protected? Which are not? Download our white paper to find out.
Serverless Integrations
Implement EMV 3DS in minutes with PAAY's JavaScript SDK — no server install required. Includes sandbox testing and integration options.
Partnership Program
Offer your merchant base EMV 3DS. Partner pricing, platform access, and three flexible tiers for processors, gateways, and more.
How It Works
See how PAAY authenticates transactions in real-time during checkout with no impact on the customer experience.
PAAY and Traditional Fraud Tools
A holistic approach to fraud mitigation — how EMV 3DS complements traditional tools like AVS, CVV, and device fingerprinting.
Visa's Compelling Evidence Update
One-pager: How Visa's expanded CE rules change VAMP compliance and why 3DS is now essential for cross-merchant evidence.
The merchant's guide to VAMP
Visa's VAMP replaced VDMP in April 2025. Merchant thresholds drop to 1.5% in April 2026. What changed, what's at stake, and why 3DS is the only sustainable answer.
Frequently Asked Questions
Questions about our approach to authenticating ecommerce transactions? Check out our most frequently asked questions.
Learn About 3DSFrequently asked questions
EMV 3-D Secure is the global authentication protocol for card-not-present payments. It cryptographically verifies the cardholder before authorization, which reduces fraud, shifts chargeback liability to the issuing bank on authenticated transactions, and increases authorization rates (issuers approve more authenticated payments). Merchants need it for chargeback protection, for Visa VAMP and Mastercard EFM compliance, and — in Europe — for PSD2 Strong Customer Authentication.
Still have questions?
Contact our team