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Paze
Paze is a bank-led digital wallet from Early Warning Services (EWS), the consortium behind Zelle. Major US banks provision eligible credit and debit cards directly into the wallet, so shoppers can check out without entering card details or creating a separate wallet account. This overview explains how Paze works and how Gr4vy fits in. To build an integration, follow the web setup guide.
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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How Paze works

Paze does not require shoppers to install an app or enroll cards. Participating banks pre-provision eligible cards into the wallet, and shoppers authenticate with their existing bank credentials. When a shopper checks out:
  1. Your checkout renders the Paze button and launches the Paze experience using the Paze SDK.
  2. The shopper selects one of their bank-provisioned cards and authenticates.
  3. Paze returns an encrypted payload that contains a network token.
  4. Your server sends that payload to Gr4vy, which decrypts it and creates a transaction.
Because Paze returns a network token rather than a card number, transactions can benefit from higher authorization rates and lower fraud.

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How Gr4vy fits in

Gr4vy acts as the Paze Technical Integrator. This means Gr4vy:
  • Enrolls your merchant account with Paze and manages the Paze credentials.
  • Generates and rotates the encryption keys and certificates that Paze requires.
  • Decrypts the Paze payload, extracts the network token, and routes the transaction to your payment service through Flow.
  • Ingests the cardholder, billing, and shipping details from the Paze payload and populates them on the transaction. See the per-platform setup guide for the exact mechanics on web and mobile.
You host the Paze button and forward the Paze checkout responses to Gr4vy. You do not manage Paze certificates or private keys yourself.

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Integration paths

You add the Paze button to your checkout using the Paze SDK for your platform. Gr4vy provides a session endpoint that returns the values the Paze SDK needs to initialize.

Web (JavaScript)

Add Paze to a web checkout using the Paze JavaScript SDK and the Gr4vy server SDK.

Mobile (native)

Add Paze to iOS and Android apps using the native Paze SDK and the Gr4vy server SDK.

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Reference