# JPMC-PDP Documentation from https://developer.payments.jpmorgan.com

# Paze

Paze is a digital bank wallet offered by Early Warning Services (EWS), LLC. The Paze wallet provides your consumer with a frictionless payment experience. There is no app to download nor consumer card enrollment steps to follow. EWS participating US card issuing banks pre-enroll their eligible cards into Paze wallets. Simply offer the Paze wallet for your consumer to select as the method of payment during your e-commerce checkout experience.

## Availability

 
**Paze availability**

| Payment method | Payment type | Countries | Supported presentment currencies | 
| --- | --- | --- | --- | 
| Paze | Wallet | US | USD | 

## Before you begin

Before you can offer Paze as a payment method to your consumers, complete the following steps:

1. Sign the applicable amendment with J.P Morgan.

2. Provide the applicable onboarding information.

3. Contact your J.P. Morgan Technical Implementation Manager to enroll you with Paze.

4. Paze provides you with the following information:
  1. Access to their secure transfer portal website
  2. Client ID for the Paze wallet button integration
  3. Paze Merchant Integration Guide
  4. Paze Merchant JavaScript SDK for web front-end integration
  5. Coordination for consultation and testing

> For more information on the Paze digital wallet, visit [www.paze.com](https://www.paze.com/).
> 

## How Paze works

The following image illustrates the process of using the Paze wallet with J.P. Morgan:

![PaZe Process Flow](/api/download/en/docs/commerce/online-payments/capabilities/online-payments/payment-methods/paze-cfs/PazewithMap-procflow.png?type=image)

**Step 1: **Integrate with EWS (that is, the Paze wallet provider) to obtain the encrypted payment bundle.

The following is a sample Paze encrypted payment bundle:

```json
{
    "completeResponse": "eyJhdWQiOiJmaWxlOlwvXC8iLCJraWQiOiI4MzYyODY2ZC1kODE2LTRiOGMtYWRkMy0yZDEwOTQ2NDc4NWMiLCJpc3MiOiJodHRwczpcL1wvc………….U2X5ZJvT2OKDCiEe0nPRQ2wffJpM60ucA9tZuf42ozpn1hTotRprgZn9BnK3Zf6VR8IbgecBYjJ9x9shE87DxnEwB7u8gyKxgAODuED7POcz-byg"
}
```

**Step 2: **Send the Paze encrypted bundle, along with the standard required data elements, to complete the payment request.

> Alternatively, use the standalone [Wallet Decryption API](/docs/commerce/optimization-protection/capabilities/wallet-decryption/index) to decrypt a PAZE encrypted bundle and obtain the network token, cryptogram, electronic commerce indicator, and other payment instrument data. With the decrypted wallet data, use the paymentMethodType.`card` fields to process the payment.
> 

> You can re-tokenize Paze wallet tokens to card on file network tokens for Mastercard and Visa.
> 
> For Mastercard, you must provide the following in your payment request:
> 
> 
> - tokenProvisioningVerificationValue in the paymentMethodType.card.authentication object.
>   - Use the [Wallet Decryption API](/docs/commerce/optimization-protection/capabilities/wallet-decryption/how-to/decrypt-paze) to get the Paze token and tokenProvisioningVerificationValue.
> 
> - In the paze.encryptedPaymentBundle object, you must provide an encryptedPayload that has the transaction type set as Purchase and Card-on-file.
> 
> For more information, refer to [managed network tokenization](/docs/commerce/online-payments/capabilities/online-payments/payment-enhancements/tokenization#managed-network-tokenization) and [network tokenization](/docs/commerce/optimization-protection/capabilities/tokenization/network-tokenization).
> 

The following is a sample encrypted payment bundle within a payment request:
 **HTTP method**: POST
 **Endpoint**: `/payments`

```json
"paymentMethodType": {
        "paze": {
            "encryptedPaymentBundle": {
                "encryptedPayload": "eyJhdWQiOiJmaWxlOlwvXC8iLCJraWQiOiI4MzYyODY2ZC1kODE2LTRiOGMtYWRkMy0yZDEwOTQ2NDc4NWMiLCJpc3MiOiJodHRwczpcL1wvc………….U2X5ZJvT2OKDCiEe0nPRQ2wffJpM60ucA9tZuf42ozpn1hTotRprgZn9BnK3Zf6VR8IbgecBYjJ9x9shE87DxnEwB7u8gyKxgAODuED7POcz-byg"
            }
```

## Related

[Authorize and capture a payment](/docs/commerce/online-payments/capabilities/online-payments/how-to/auth-and-capture-payment)
 [Wallet Decryption API](/docs/commerce/optimization-protection/capabilities/wallet-decryption/index)