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Paze is a bank-led digital wallet from Early Warning Services (EWS), the consortium behind Zelle. It is backed by major US banks, including JPMorgan Chase, Bank of America, and Wells Fargo, and competes with Apple Pay and Google Pay for e-commerce checkouts. Participating banks pre-provision eligible credit and debit cards directly into the wallet, so shoppers do not download an app or enroll their cards manually. Shoppers authenticate with their existing bank credentials, and Paze returns a network token rather than a card number.
Paze is available to US-based businesses only. Transactions settle in US dollars and require a US acquiring connection that supports network tokens.

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Key features

  • Pre-enrolled shoppers: Banks provision eligible cards into the wallet, reaching over 150 million US consumers
  • Low-friction checkout: Shoppers authenticate with their bank credentials, reducing checkout drop-off
  • Network tokens: Transactions use network tokens instead of card numbers, supporting higher authorization rates and lower fraud
  • Managed integration: Gr4vy acts as the Paze Technical Integrator and handles merchant enrollment, certificate management, and key rotation on your behalf

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How it works

Gr4vy supports the Paze pass-through model. Your checkout hosts the Paze button, and Gr4vy handles the encryption and routing:
  1. Your checkout renders the Paze button and launches the Paze experience.
  2. The shopper selects a card, and Paze returns an encrypted payload.
  3. Your server forwards the payload to Gr4vy, which decrypts it, extracts the network token, and routes the transaction to your payment service.

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Set up Paze

To enable Paze for your account, your merchant needs to be approved by Early Warning Services (EWS) — the consortium that operates Paze. Gr4vy enables Paze on a per-merchant basis once that approval is in place and manages the underlying Paze credentials on your behalf. To start the onboarding process, contact your Gr4vy account manager. They coordinate the EWS approval and turn Paze on for your merchant when approval is granted. Once Paze is enabled, follow the integration overview to add it to your checkout.