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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
Tip

For more information on the Paze digital wallet, visit www.paze.com.

How Paze works

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

PaZe Process Flow

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.

Tip

Alternatively, use the standalone Wallet Decryption API 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.

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"
            }