Protect your revenue. Prevent.
Protect your bottom line with a risk engine that actively manages threats, prevents fraud, and minimizes false positives. From passkey authentication to dispute management and 3DS, we provide everything you need to safeguard your business and stay compliant.
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Fraud blocked before it reaches checkout
3x
Faster dispute resolution. No manual effort
1 Passkey
Zero friction
How it works
Our technology works in the background to protect your business before, during, and long after the actual checkout. Here’s how.
Real-time risk assessment
Dynamic authentication
Post-purchase protection
The built-in tools that secure your payments
Pay.com provides a complete infrastructure designed to actively prevent fraud, resolve disputes, and automate your risk workflows to protect your bottom line. All while ensuring your trusted customers enjoy a seamless checkout.
Manage disputes from one platform
Handle network disputes, compile evidence, and track chargeback statuses directly from a single, centralized dashboard.
Recover more revenue
Win back funds from invalid chargebacks by submitting automatically compiled evidence directly to issuers.
Save operational hours
Eliminate the manual work of tracking down transaction details and spreadsheets across multiple disconnected systems.
Lower dispute ratios
Keep your dispute ratios healthy by actively managing and promptly responding to all network inquiries.
Intercept chargebacks early
Receive early-warning alerts the moment a customer disputes a charge, giving your team a window to resolve it and avoid penalties.
Minimize chargeback fees
Stop disputes early to avoid costly, non-refundable network penalties.
Preserve your win rate
Keep formal chargebacks off your processing record to protect your relationships with acquiring banks.
Resolve issues cleanly
Issue proactive refunds directly to frustrated customers, turning potential disputes into quiet resolutions.
Block fraud in real time
Protect your revenue with an intelligent risk engine that analyzes hundreds of data points to instantly identify and stop fraudulent transactions.
Stop revenue leaks
Prevent bad actors from draining your revenue by accurately blocking fraudulent attempts the moment they happen.
Increase legitimate approvals
Stop turning away good customers. Accurately score threat levels to recognize and approve genuine buyers.
Stay ahead of threats
Future-proof your business against evolving fraud tactics with machine learning that adapts to new patterns automatically.
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Automate your risk operations
Reduce manual reviews and operational overhead by setting custom rules that automate your security decisions in the background.
Scale without headcount
Handle increasing transaction volumes safely without needing to hire an army of manual risk analysts.
Minimize human error
Ensure your specific risk policies are applied consistently to every transaction.
Accelerate order fulfillment
Instantly clear low-risk transactions to ship products and deliver services faster.
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Secure checkout optimization
Use dynamic 3DS2 protocols to fulfill strong customer authentication (SCA) requirements while keeping the checkout process completely frictionless for trusted buyers.
Boost checkout conversions
Prevent cart abandonment by ensuring your trusted, low-risk buyers never see a frustrating security prompt.
Offload fraud liability
Shift the financial responsibility of chargebacks away from your business and onto the issuing bank for fully authenticated transactions.
Expand globally with confidence
Enter strictly regulated markets knowing you are fully SCA-compliant without sacrificing your user experience.
Safe, frictionless authentication
Deploy the world’s leading Passkey infrastructure to verify customer identities instantly using secure, device-native biometrics.
Maximize authentication speed
Get customers through checkout quickly using Face ID or Touch ID tools already built into their personal devices.
Prevent account takeover
Protect your customers and your brand reputation by making it nearly impossible for bad actors to steal credentials.
Build buyer trust
Offer a premium, frictionless security experience that encourages customers to return and purchase again.
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Use cases
Stop fraud without blocking legitimate sales
Problem: Overly strict security rules lead to false declines, turning away legitimate customers and costing you hard-earned conversions.
Solution: Our intelligent risk engine and dynamic 3DS instantly assess buyers. Block actual threats while automatically exempting recognized shoppers.
Minimize costly chargeback fees
Problem: Managing network disputes manually increases overhead, and formal chargebacks damage your standing with acquiring banks.
Solution: Intercept disputes at the source with early-warning network alerts. Issue proactive refunds or submit automated evidence to win back revenue and avoid penalties.
Eliminate checkout friction
Problem: Forcing customers to remember passwords or wait for SMS codes creates frustrating roadblocks that kill conversions at checkout.
Solution: Use global Passkey infrastructure to let buyers authenticate instantly and securely with device-native biometric tools like Touch ID.
Secure sensitive payment data
Problem: Use global Passkey infrastructure to let buyers authenticate instantly and securely with device-native biometric tools like Touch ID.
Solution: Secure all transaction data in a Level 1 PCI-compliant environment. Encrypt and tokenize card details instantly so sensitive information never touches your servers.
Go beyond Protection
Payments
Accept payments globally and maximize your conversions by giving your customers a seamless, localized buying experience.
Optimization
Boost your revenue by automatically rescuing declined transactions, minimizing fees, and maximizing your authorization rates.
Treasury
Take control of your global cash flow, reduce manual work, and get complete financial visibility across your entire business.
Frequently asked questions
Onboarding includes identity verification, business document checks, sanctions and PEP screening, and ongoing monitoring. All processes meet AML and KYC requirements in every market where Pay.com operates, and we work with regulated partners where needed.
Pay.com tracks chargebacks across every connected acquirer in one inbox, with full lifecycle visibility, from notification through evidence submission and resolution. You can respond directly in the dashboard or via API, and we can submit compelling evidence on your behalf.
Yes. Our risk engine evaluates each transaction in real time using hundreds of signals and ML models trained on cross-merchant network data. You get a score and a recommended action, approve, challenge with 3DS, or block, per transaction.
Pay.com layers built-in fraud detection, device fingerprinting, behavioral signals, velocity rules, AVS/CVV checks, and machine-learning risk scoring, with 3D Secure 2 and chargeback protection. You can also bring your own third-party fraud tool through the orchestration layer.
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