Fraud-free and
3D secure

Increase conversions with a secure, fraud-resistant checkout that brings your business fully in line
with the latest PSD2 legislation.

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Why PSD2 is safer

PSD1
One little password is the only thing protecting you from fraud.
PSD2
Boosts security by adding 3 authentication layers e.g. code from another device, token, face ID.

More customers for you!

A secure, frictionless checkout means customers can shop in confidence without frustrating delays. All the better for your business!

Everyone wins with a smart checkout

We use advanced AI to assess each payment and apply just the right level of security

The end result: More happy customers. Everyone wins.
a diagram showing how pay's smart routing system updates failed cards

Any platform:

With our 3D-secure component, you’ll have an in-built, fully customizable UI up and running in minutes.

Web UI:

Works where you need it to - on web, iOS and Android.

Link-based payments:

When your customer requests a link, that’s exactly what they’ll get. Use our link to direct them to a secure, Pay-backed checkout page.

E-commerce Plugin:

Use our range of  3D secure plugins for the main ecommerce platforms - Magento, Shopify etc..

An in-depth look at PSD2

1. PSD2 in a nutshell

PSD2 is short for the Payment Services Directive (version) 2. It refers to a body of legislation that was intended to create a safer and more competitive payment landscape across Europe.

2. What is SCA?


PSD2 is short for the Payment Services Directive (version) 2. It refers to a body of legislation that was intended to create a safer and more competitive payment landscape across Europe.

Ask the customer for information they KNOW
( e.g a password )
Something the
customer HAS
( e.g a hardware token )
Ask the customer to prove who they ARE
( e.g a fingerprint or face ID )

1. PSD2 in a nutshell

3DS2 applies security checks based on the perceived risk of a transaction so your regular customers are not inconvenienced by time-consuming security checks. Here’s how it works:

• The system decides how risky the transaction is based on the amount being spent and whether the shopper is known to your store

• Regular/familiar customers and those spending an expected amount are “exempted” from extra security measures

• Only unfamiliar customers, large sums and suspicious behavior is subject to more stringent checks.

1. PSD2 in a nutshell

3D Secure 2 (3DS2) is the updated security protocol that was formerly 3D Secure 1 (3DS1). Here’s what you need to know:

• It protects customers shopping online with a credit or debit card

• It uses a secure three-way authentication process to confirm the buyer’s identity.

• It performs as many security checks as possible in the background so the customer gets a smoother shopping experience.