What Is Paze?

What Is Paze?

Paze is an online checkout solution and digital wallet. Created by Early Warning Services LLC (the company that developed Zelle), it allows you to make online purchases at participating businesses without handing over your credit or debit card information. Instead, Paze generates a token, which is a set of random numbers and letters, that allows retailers to process the transaction.

The Paze digital wallet came on the scene in 2024 after a limited rollout at the end of 2023. Participating banks and credit unions automatically link customer credit and debit cards to their Paze digital wallet. If your financial institution participates, you don't need to download an app, enter your card information manually or update your card details when they change.

Unlike other digital wallets, such as ApplePay or PayPal, Paze isn't widely accepted by merchants—at least not yet. As of July 2025, only 28 retailers accept Paze, including Sephora, Roku, GNC, Harry & David, ShopRite and others. However, thousands of small companies that utilize GoDaddy's online payment system can accept Paze.

Learn more: Digital Wallet vs. Bank Account: What's the Difference?

Which Banks and Credit Unions Offer Paze?

Not all banks and credit unions offer Paze to their customers and members, but the company plans to make it available to additional financial institutions in the future. Currently, the following banks offer Paze to their customers.

• Bank of America
• Capital One
• Chase
• Elan
• PNC
• Truist
• U.S. Bank
• Wells Fargo

Is Paze Safe?

Because Paze uses tokens to facilitate transactions, you never need to give your credit or debit card information to retailers when you use Paze at checkout. If you don't want to use Paze to make a purchase, you can choose another payment method. You can also opt out of Paze at paze.com/optout. Opting out deletes all the cards your financial institution linked to Paze and prevents them from automatically adding anymore.

You may also be able to remove cards from Paze through your bank's mobile app. Check with your financial institution for additional details.

Should You Use Paze?

Paze can be a convenient way to make online purchases, but it's important to consider both the benefits and drawbacks before deciding if it's right for you.

How to Use Paze

Using Paze at checkout is simple. You don't need to download an app or set up a new user name and password to use it. However, some retailers may require you to create an account before you can check out. To complete your purchase with Paze, simply follow the steps below.

1. At checkout, select the Paze button when available.
2. Enter the email you used to set up your account with your bank or credit union.
3. Verify your identity by entering the security code Paze sends to your phone.
4. Select the card you want to use to pay for your purchase from the list of eligible cards.
5. Confirm your purchase.

You can use any eligible credit or debit card with Paze, but paying with a credit card offers more fraud protection. Under federal law, your responsibility for unauthorized credit card charges is limited to $50, but you could be responsible for much more than that if an unauthorized charge appears on your debit card.

Learn more: Are Credit Cards Safer Than Debit Cards?

Is Paze Right for You?

With Paze, it's easy to make online purchases at select retailers without sharing your card details. Because participating banks and credit unions automatically link eligible cards to your Paze digital wallet, no setup is required. You don't have to download a new app, create a new username or memorize another password.

But Paze isn't widely available or accepted currently. If you're looking for a single payment solution that meets most of your purchasing needs, Paze probably isn't your best bet. While other digital wallets won't automatically add your card information, setting them up is typically quick and easy. The time it takes to set up a digital wallet may be worth it for a solution you can use almost anywhere.