Loaded With Features

Our proprietary Virtual Cards solution automates and streamlines your payables while putting up to 2% back into your pocket on any payments made through PayCertify.


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Address Verification Service
Payments Fraud Control

Address Verification Service (AVS) is a fraud prevention mechanism that helps limit fraud and chargebacks by comparing if the address provided by the customer in the checkout process is associated with the cardholder’s credit card account and information on the bank's records.

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3D Secure
Payments Fraud Control

3D Secure is a fraud prevention feature that verifies all transactions for fraud with banks and card brands. The liability is shifted from the merchant to the card issuer whenever 3D Secure provides a fraud propensity verdict transforming the transaction into a chargeback.

  • Shifts the fraud liability away from the merchant
  • Prevents chargebacks and fraud
  • Fully transparent to the user
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Level 2 Data

Depending on how much information the processor is provided when charging a card, a certain level of authenticaton is determined: 1 , 2 or 3. The more information provided, the lower costs are. We support Level 2 Data which includes identification numbers, tax information, and destination data.

  • Reduces processing costs
  • Simplifies setup with no impact on integration
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We provide different methods to authorize and settle multi-currency transactions in all major currencies. Our API web services and wallet transactions will help increase international presence."

  • Supports more currencies
  • Supports 100+ alt/local payment methods
  • Reduces exchanges costs
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Friendly Decline Messages

Multiple factors are involved in the decision process whenever a transaction is performed: card issuers, processors, and customers' banks to name a few. We provide friendly, human-readable messages, reducing frustration when a decline occurs.

  • Clearly explains decline
  • Improves customer overall experience
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Event Based Logging

Simple is better when it comes to transaction lifecycle. We don't update transaction records, only append new events on the transaction log. This helps keep things on track and correlate every transaction ran within a single context.

  • Tracks the entire transaction lifecycle
  • Easily refers to a transaction's former status
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Multi-step charging

Specific business models demand more flexibility on the settlement of funds from transaction authorizations. We provide the ability to authorize and block a credit card fund, capture and settle is afterwards when it is most convenient for the merchant.

  • More control over charges
  • Captures funds incrementally
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Statement Descriptors

Business structures are complex and involve a many different names, customer support phone numbers and DBAs. In order to have the right information on your customer's credit card statement, we give you the flexibility to fully customize what will be shown there.

  • Controls text on the customer statement
  • Improves overall customer experience
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Credit Card Vault

Merchants usually want to have card-on-file capabilities when working with a "charge later" or recurring model. PayCertify Secure Vault stores customer's sensitive data through a tokenization method with the highest standards of compliance and security.

  • Keeps card tokens securely
  • Reduces compliance scope
  • Retrieves cards on-demand
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Account Number Validation

Returns due to insufficient funds or incorrect account or branch numbers are an extremely common occurrence when running check transactions. Our Validation Feature provides churn and prevents the possibility of fraud happening in this stage.

  • Reduces unexpected check returns
  • Prevents insufficient fund check transactions
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Fraud Control

Kount is an industry leader when it comes to fraud prevention and detection. Our platform prediction engine is powered by their award-winning combination of machine learning and rule sets that protects hundreds of billions of dollars annually.

  • Creates custom fraud prevention rule sets
  • Automatically declines fraudulent transactions
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Fraud Control

Our proprietary Confirmation Process is able to mitigate common fraud scenarios such as application fraud, bin attacks, identity theft, and friendly-fraud through the confirmation of customer's intent on purchases and tying it to a device or account.

  • Dramatically decreases friendly-fraud
  • Increases evidence for eventual chargebacks
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Chargeback Alerts
Fraud Control

Our Chargeback Alert management system offers a way for merchants to prevent disputes from becoming actual chargebacks by automatically refunding transactions that will become chargebacks or creating a buffer to allow for a friendly resolution.

  • Atomatic follow up for chargeback
  • Reduces chargeback ratios
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Chargeback Mitigation
Fraud Control

Disputing a chargeback is the last resort in order to prevent fraud. Our risk team and partner companies provide compelling evidence based on dispute reasons, chargeback average ticket and historical data to optimize the dispute success ratio.

  • Wins more chargeback disputes
  • Reduces team overhead risk
  • Increases efficiency with dispute resolution
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Data Enrichment
Fraud Control

By simply providing an email, phone number, and address our Data Enrichment product retrieves social and public data, geolocation data, relative information, and caller information to return an enriched set of data that assigns a score according to the most common fraudster profiles.

  • Better information about customers
  • Retrieves additional information in suspicious scenarios
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— Discover how much you can save every month with

PayCertify Solutions Suite

Switching to PayCertify can save you

up to 10% monthly