Paze
Paze is a secure online checkout solution offered by participating banks and credit unions in the United States. It enables consumers to complete purchases online without manually entering their card details, providing a faster and more convenient checkout experience.
When a consumer uses Paze, their eligible debit and credit cards are made available through a single digital wallet. During checkout, Paze securely provides the payment credentials required to complete the transaction while helping protect sensitive card information through network tokenization. Actual card numbers are not shared with merchants.
Key benefits
- Faster checkout: Consumers can complete purchases without manually entering payment card details.
- Enhanced security: Payment credentials are tokenized, reducing the exposure of sensitive card information.
- Simplified online payments: Multiple eligible payment cards can be managed through a single wallet experience.
Availability and limitations
Paze is intended for eligible consumers in the United States. Availability depends on end consumer eligibility, supported card networks, and merchant configuration.
Note: If you are interested in Paze, please contact your Paysafe representative to learn more.
Supported integrations
Currently, Paze is supported in Paysafe Checkout and Paysafe JS.
Processing payments with Paze single-use tokens
{
"merchantRefNum": "f53e3173-7a6a-4bf0-a235-bf493723bb52",
"amount": 100,
"currencyCode": "USD",
"dupCheck": true,
"settleWithAuth": false,
"paymentHandleToken": "PZzZCPkQuKO7R6YQ",
"customerIp": "192.168.0.1",
"accountId": "1003012340"
}
{
"id": "c03f8e31-c67e-4208-a419-b4da3923478b",
"accountId": "1003012340",
"paymentType": "CARD",
"paymentHandleToken": "PZzZCPkQuKO7R6YQ",
"merchantRefNum": "f53e3173-7a6a-4bf0-a235-bf493723bb52",
"currencyCode": "USD",
"settleWithAuth": false,
"txnTime": "2026-08-25T10:38:40Z",
"customerIp": "192.168.0.1",
"status": "COMPLETED",
"amount": 100,
"preAuth": false,
"availableToSettle": 100,
"gatewayResponse": {
"code": "VPS",
"responseCode": "00",
"responseCodeDescription": "Approved and completed",
"avsCode": "X",
"authCode": "337816",
"avsResponse": "NOT_PROCESSED",
"cvvVerification": "NOT_PROCESSED",
"serializable": true
},
"merchantDescriptor": {
"dynamicDescriptor": "Internal Demo",
"phone": "5555345456"
},
"authentication": {
"eci": "7"
},
"profile": {
"firstName": "John",
"lastName": "Doe",
"email": "john.doe@paysafe.com",
"phone": "1-888-709-8753",
"dateOfBirth": {
"day": 23,
"month": 12,
"year": 1990
}
},
"card": {
"cardExpiry": {
"month": "8",
"year": "2030"
},
"holderName": "Test Wallet",
"status": "ACTIVE",
"cardType": "VI",
"cardBin": "455955",
"lastDigits": "3129",
"cardCategory": "DEBIT",
"issuingCountry": "GB",
"tokenType": "PAZE",
"paze": {
"lastDigits": "2413",
"expiry": {
"month": "8",
"year": "2032"
},
"status": "ACTIVE",
"cardArt": {
"cardArtUrl": "https://sandbox.assets.vims.visa.com/vims/cardart/8f64614def1a41d39ea8acae4616bf6f_imageC"
}
}
},
"cardSchemeTransactionId": "206338663812286"
}
Refer to the following table for guidance on which fields may be returned to the consumer.
| Field | Explanation | Recommendation |
|---|---|---|
| card.lastDigits | Last four digits of the PAN card number. | You can return this to the consumer to indicate which card was used for the transaction. |
| card.cardExpiry | Expiry date of the PAN card. | You can return this to the consumer to indicate the expiry date of the card used for the transaction. |
| card.cardBin | BIN of the Paze network token. | Do not return this to the consumer, as it may cause confusion. |
| card.paze.lastDigits | Last four digits of the Paze network token. | Do not return this to the consumer, as it may cause confusion. |
| card.paze.expiry | Expiry date of the Paze network token. | Do not return this to the consumer, as it may cause confusion. |
| card.paze.cardArt | Card art for the card used in the payment. | You can return this to the consumer to enhance the user experience when displaying the card used for the transaction. |
Configure webhooks
To learn how to set up webhooks, see Configure Webhooks.
Further testing
To simulate negative processing scenarios, use one of the predefined amounts from our fixed-amount simulator.
For more information, see Simulating Card Payments.