moto secure

MOTO|SECURE is a revolutionary new product designed to be an additional security layer for online money order/telephone order transactions. This first of it’s kind product combines the security of  3D Secure Verified by Visa with the ease of use of our MOTO virtual terminal and customer POSITIVE confirmation of the purchase via instant SMS text or email


It basically preempts the checkout process upon order entry, and  sends either or both, an email and SMS text to the purchaser. Inserted in the email/text message is a confirmation token, which when clicked on by the customer, triggers 3D Secure to verify the cardholder and card information to the bank and card brand, where an evaluation of transaction risk takes place in real-time, instantly. If the banks and card brands judge it as unlikely to be fraudulent, you get back a positive verdict where the liability is shifted from the merchant to the card issuer if that transaction later becomes a chargeback. Quite often, fraudsters will simply abandon the purchase, rather than give away their phone number, email and geolocation, all of which is logged and date/timestamped by Paycertify.

moto secure

MOTO|SECURE removes the data from the sales environment. Allowing the consumer to safely input their details without disclosing sensitive card information.

The telephone agent is never privy to the customers’ details, thus providing a PCI-DSS compliant solution.

This results in a higher transaction acceptance rate and reduced charges from the bank for non-secure transactions.

Businesses can also deliver to third party addresses without the risk of chargebacks from the merchant bank.



Our Payment Gateway provides a safe and low cost way to run your transactions in a card not present environment, while supporting multiple payment processors, credit card brands and card types. It also support all of PayCertify fraud prevention products out-of-the-box.

frictionless 3d secure

3D Secure is a protocol designed to be an additional security layer for online credit and debit card transactions. It was first deployed by Visa with the intention of improving the security of Internet payments and is offered to customers under the name Verified by Visa.


Kount’s patented machine learning technology analyzes transactions to stop fraud and increase revenue for online businesses, merchants, acquiring banks, and payment service providers. Through it’s cutting edge technology.

incenta pay

INCENTAPAY is a virtual card issuing platform that empowers merchants by incentivizing customers that shop at their online stores with rewards for purchses which increases conversions, increases the average ticket size and purchase order and pads the bottom line with tens of thousands of dollars per month in additional revenue. 



PayCertify is the only merchant processing company to offer the exclusive FEE REBATE GENERATOR program.  This program  can potentially eliminate all merchant processing fees by using proprietary Virtual Card Issuing technology.


Developers prefer PayCertify because of the many advanced and forward thinking integration tools offered.  PayCertify offers a simple, unique and effective Javascript plugin, which allows merchants to integrate all of PayCertify’s fraud protection tools on demand.

moto secure

MOTO|SECURE is a revolutionary new product designed to be an additional security layer for online money order/telephone order transactions. We combined the security of  3D Secure with the ease of use of our MOTO virtual terminal and POSITIVE purchase confirmation via SMS text and/or email.


Representing a chargeback is the last resort in order to prevent fraud. Once you have decided to fight a chargeback, you need to prove through evidence that the transaction being charged back is a fraud attempt.

PayCertify Guarantee

PayCertify Guarantee is our proprietary Transaction Insurance product. This product is built in to your processing fee, and gives your customers piece of mind that the product or service is fully insured and backed by PayCertify.


PayCertify's proprietary confirmations system, Verify Secure, serves as the last tool on the queue of our front-end tools. Confirmations eliminate any doubt that a transaction may be fraudulent by confirming that the customer actually has physical possession of the card.

data enrichment

Our Data Enrichment API is proprietary technology, that was developed through our many years of experience with the financial market. It basically consists on an asynchronous check of a mix of publicly available data and our own databases to enrich the provided data.


Our Chargeback Alert management system offers a way for businesses to prevent disputes from becoming actual chargebacks. Once you are signed up for Chargeback Alerts, when a customer tries to initiate a dispute.

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