PAAY

PAAY is a unique technology that shifts liability for fraud away from merchants and processors. The costs of lowering fraud have increased dramatically. This includes chargebacks and bank charges but also the staff involved in reviewing orders and implementing complicated solutions with varying degrees of success. * Risk shifted away from ISO and Merchant * Lower Interchange * We lower the cost of accepting credit cards * No hardware + easy integration Our competitors actually increase the cost of accepting credit cards for merchants; this is why the merchants are not pushing existing mobile wallets - it is of no benefit to them. Getting merchants motivated to sign consumers is key and we can do this! A mobile wallet needs merchants to use it in order to scale. Who has merchants? The processors who love PAAY! One processor can push PAAY to 100,000 merchants. Our top-down business model is key to success. We work directly 17 more already signed up.