Description Founded in 2011 and headquartered in New York, PAAY is a leading innovative consumer authentication service for merchants that is simple, secure and easy to implement. PAAY’s frictionless EMV 3DS solution empowers merchants to grow their business by increasing payment authorizations, reducing unnecessary chargebacks, and seamlessly monitoring for fraud. Operating on a network-level, PAAY enables merchants to comply with global payment mandates, and regulations. PAAY’s mission is to give merchants choice and control of their destiny. To learn more visit paay.co