PAAY 3RI

Version 2.2 of 3D Secure (3DS) introduced Requestor-Initiated (3RI) authentications, also known as merchant-initiated authentications.

3RI requires PAAY authentication on the initial transaction

The PAAY 3RI plugin is used to easily authenticate and protect rebill transactions with external 3DS values. Add the PAAY 3RI plugin today to reduce chargebacks and start saving money!

PAAY 3RI is a separate plugin from PAAY. It is not required to have a PAAY plugin to use PAAY 3RI.

PAAY 3RI is currently not available for Visa transactions. All Visa transactions will be skipped.

How it works

1. Rebills can be authenticated for 3D Secure protection. Authentication must take place prior to each scheduled billing. Authentication one month must be repeated the next month for the next billing.

2. 2 days before a scheduled rebill, the card is authenticated with PAAY. If a consumer has multiple rebills on the same card then the card must be authenticated multiple times. 3RI parameters are single-use.

3. If authentication is successful then the rebill is 3DS protected. If authentication fails then the rebill will proceed without protection.

4. 3RI will attempt on all rebills that were authenticated by PAAY on the original sale. Any rebill without PAAY authentication on the original sale will process the rebill without 3RI. This does not require that the original authentication was performed with the PAAY plugin. If your checkout page authenticates with another PAAY reseller then that is sufficient to use 3RI.

5. Subscriptions must be on the same card as the original sale. Any rebill on a different card will process the rebill without 3RI (this includes updates from the Account Updater plugin).

6. The original sales URL is required. Any original order processed without the salesUrl parameter will rebill without 3RI (authentication will not be sent to PAAY).

7. 3RI is available only for credit card rebills.

8. 3RI parameters are reusable until a successful rebill occurs. If a rebill declines and is re-attempted through Recycle Billing then the same 3RI parameters are sent with each attempt.

Billing for PAAY 3RI

The PAAY 3RI service is billed monthly at the time of your CRM subscription billing based on your plugin transaction rate (RatePerTransaction) per 3DS RI authentication attempt. All attempts are billable, even if authentication fails. If using the PAAY plugin then the billing for PAAY and PAAY 3RI are separate.

The current upcoming amount can be found in the Add-ons section on your Subscription page.

Adding PAAY 3RI

A non-Dummy Gateway MID with filled in MID # and Processor fields is required for adding the PAAY 3RI plugin. You can go to Gateways → Gateway List to create a new gateway or to edit and update these fields on an existing one.

Merchant Details (Gateways → Gateway List → Add/Edit) required for adding/updating non-Dummy Gateway MID for PAAY 3RI plugin creation

Enabling the PAAY 3RI Plugin

1. Go to Admin → Plugins → Authentication.

2. Click the PAAY 3RI tile.

3. Click + Activate.

4. Enter a Title

5. Fill in MCC, MID and Acquirer from one of your CRM gateways

6. Click Connect.

Troubleshooting Errors

Any errors that occur with adding the PAAY 3RI plugin will show in red at the top of the popup form.

You can also view your CRM subscription billing information, click to edit your payment method, and access the PAAY dashboard when editing the plugin.

Disable PAAY 3RI at any time using the disable option. You will be billed for any previous authentications at the time of your next subscription billing. No new authentications will be performed.

PAAY Dashboard

The PAAY dashboard can be accessed by clicking on the → Dashboard button from the plugin edit form. The PAAY dashboard is also available with a link at the top of the CRM dashboard.

If using both PAAY and 3RI plugins then use the between keys on the dashboard to see PAAY vs PAAY 3RI.