---
name: PAAY
domain: paay.co
kind: product
relation: competitor
segment: fraud prevention and risk management
descGrounded: 0.81
---

# PAAY

A dedicated 3DS authentication provider that sits between checkout and card networks to authenticate online transactions for merchants.

**Route:** surfaced by the fraud prevention and risk management lane's de-branded queries → competitor to stripe.com.

**Why it's on the map:** PAAY is processor-agnostic and explicitly positions against built-in 3DS from Stripe, offering the same EMV 3-D Secure authentication capability to the same merchants who would use Stripe's built-in 3DS.

**Receipts** (verbatim from its page this run):

> PAAY is your 3DS authentication provider

> One API, all major card brands, live in days, not months
