Guide
Paze and Merchant SDK Integration Guide
January 23, 2025
Interested in learning what it takes to implement Paze? The PazeSM Merchant SDK empowers merchants to provide customers with a fast, convenient checkout. By using the SDK, e-commerce sites can simplify payment collection, support tokenized data, and offer a user-friendly wallet interface to streamline transactions.
Key Features
- Quick Integration – Set up the Paze SDK to display a branded wallet interface that integrates seamlessly into your site, without complex backend modifications.
- Added Security – Through tokenization, Paze ensures that actual card numbers are not shared with merchants, which may help to reduce fraud risk.
- Enhanced User Experience – Paze adapts to eligible users automatically, offering them a fast checkout with their saved information.
Read our guide to get a step-by-step SDK overview, learn what it takes to get started, understand Paze APIs and SDK interactions, and more.
Why Digital Wallet Integration is a Team Effort for Merchants
Webinar
Why Digital Wallet Integration is a Team Effort for Merchants
December 11, 2024
In today's fast-paced digital world, digital wallets have become an essential tool for consumers to make seamless and secure payments. For merchants, integrating digital wallets into their checkout processes offers numerous benefits, including increased customer satisfaction, reduced checkout friction, and higher conversion rates. However, successful digital wallet integration requires a collaborative effort from various stakeholders.
In our recent webinar, "Why Digital Wallet Integration is a Team Effort for Merchants," we explored the key factors that contribute to a successful integration process.
Key Takeaways from the Webinar
- The Power of Partnership:
- Merchant-Partner Collaboration: A strong partnership between merchants and service providers, technical integrators, banks, and merchant acquirers is crucial.
"Deluxe systematically enables Paze across all our merchants who use our payment platform gateway. Our strategic integration with Paze ensures businesses of all sizes can adopt and benefit from this digital wallet, enhancing the payment solution for both existing and new merchants."
- Jeff Willingham, vice president, product development at Deluxe
- Direct Financial Institution Partnerships: Establishing direct relationships with financial institutions can streamline the integration process and enhance security.
"Payments is really at the heart of how consumers see their relationship with their financial institution. We’re super excited to have millions of Chase customers have Paze enabled for their credit and debit cards."
- Saad Khatri, managing director, payments at Chase
- Navigating the Technical Landscape:
- API Integration: Understanding API integration and its complexities is essential.
"Unlike other mobile wallets where consumers have to provision their debit and credit cards to a mobile wallet, our bank issuers on the platform load eligible cards directly through APIs that are exposed by Paze. Since Paze leverages tokenization services by the networks, issuers are already ready to use Paze and to participate in the program by managing tokens using the lifecycle management rails with the networks."
- Eric Hoffman, chief partnerships officer at Early Warning Services/Paze
- Security Considerations: Prioritizing security measures is paramount to protect sensitive customer data.
"The safety of us employing Paze for checkout is that it’s going to dramatically cut back on chargebacks. It’s going to cut back on fraud. It’s going to cut back on our cost structures, and it’s going to expand our acceptance. We’re passionate about how to expand and leverage our payment opportunities so that we can optimize our customers’ choice. All customer credentials are fully loaded and staying with Paze. We at Fanatics don’t want any relationship with holding cardholder data information. We’d rather have somebody else hold it for PCI compliance. And so, we’re very excited about the opportunity in working with Paze and to see how this is going to be a part of the customer’s journey."
- Doug Raymond, SMD, head of payment strategy at Fanatics
- Optimizing the User Experience:
- Seamless Checkout: A smooth and intuitive checkout experience is key to driving customer satisfaction.
- Mobile Optimization: Ensuring compatibility with mobile devices is essential in today's mobile-first world.
"The number one piece for us is the delightful customer experience we want to provide from a checkout perspective."
- Doug Raymond, SMD, head of payment strategy at Fanatics
By recognizing the importance of collaboration, technical expertise, and a focus on user experience, merchants can successfully integrate digital wallets like Paze into their checkout processes.
Curious to learn more about the different players in the Paze ecosystem? Read our latest report.
Commissioned by Early Warning Services, LLC, owner of the PazeSM checkout solution
GNC brings shoppers a convenient way to check out online with Paze
PazeSM becomes the first online checkout solution available to GNC customers that is offered by their participating banks or credit unions
PITTSBURGH and NEW YORK, Dec. 4, 2024 - GNC, the leading global health and wellness brand, announced today that PazeSM, an online checkout solution developed by Early Warning Services, and offered by participating banks and credit unions, is now available for eligible customers at GNC.com. The addition of Paze checkout reflects GNC’s commitment to a consumer-first mentality and seamless online shopping experience with added security, because through tokenization, card numbers are not shared with merchants.
"At GNC, we're always focused on enhancing the shopping experience for our customers, and offering Paze helps us deliver a fast and convenient way to shop online," said Vivian Chang, vice president, eCommerce, GNC. "With Paze, we’re able to streamline the checkout process, making it easy for our customers to access the health and wellness products they need while feeling confident that their transactions have added security because card numbers aren’t being shared with merchants."
Paze is an online checkout experience offered by the banks and credit unions that GNC customers already know and use. According to the latest Paze PulseSM Report, Americans have an appetite for this type of financial institution-offered digital wallet. In fact, 82% of respondents to the Paze Pulse survey report trusting their bank’s safety and security more than third-party payment options.
Additional benefits of Paze checkout for consumers include:
- Convenience: With Paze, a consumer’s eligible debit and credit cards from participating banks and credit unions are combined into one wallet. Customers can access all their eligible cards in one place and make online purchases without manually entering their card numbers at checkout. After a simple activation step, shoppers can check out quickly without downloading a new app or remembering new login information or passwords. (1)
- Added security: Through tokenization, card account numbers are replaced with a unique number so card numbers are not shared with merchants.
- Confidence: Paze is offered by participating banks or credit unions consumers already know, so shoppers can feel confident using it to check out online.
“We are proud to collaborate with GNC to bring a fast and simple online checkout experience to their customers,” said Catherine Murchie, head of operations, Paze. “With more than 140 million credit and debit cards now eligible to check out using Paze, we’re setting a new standard for convenience at checkout, and GNC customers are now empowered to focus on their health and wellness without extra steps or friction when using guest checkout. This collaboration reflects our vision of transforming everyday shopping through innovative online checkout brought to you by your bank our credit union.”
Paze is available nationally through participating banks and credit unions. To learn more about how Paze offers a convenient way to check out online, please visit www.paze.com.
About GNC
GNC is a leading global health and wellness brand that provides customers with a wide variety of science-based products and solution services to Live Well. The brand touches consumers worldwide by providing its products and services through company-owned retail locations, domestic and international franchise locations, digital commerce and strong wholesale and retail partnerships across the globe. GNC’s diversified, multi-channel business model has worldwide reach and a well-recognized, trusted brand. By combining exceptional innovation, product development capabilities and an extensive global distribution network, GNC manages a best-in-class product portfolio. To learn more, please visit www.gnc.com.
About Paze
Paze is a reimagined online checkout solution that banks and credit unions offer to consumers and merchants, combining all eligible credit and debit cards into a single wallet and eliminating manual card entry. Solving long-standing challenges in e-commerce, Paze provides an easy experience for consumers and merchants alike. At general availability, more than 150 million credit and debit cards will be available to consumers for making online purchases. To learn more about Paze, visit www.paze.com. Paze is operated by Early Warning Services, LLC, an innovator in financial and risk management solutions.
Paze and the Paze related marks are wholly owned by Early Warning Services, LLC. Other product and company names mentioned herein are the property of their respective owners.
1. Some merchants may require account setup to make purchases.
Report
E-Commerce Checkout Optimization: What matters to merchants and who they rely on to help deliver a great experience
November 20, 2024
Managing the complexities of e-commerce payments can be challenging—whether it’s keeping up with fraud prevention, handling high transaction fees, or integrating smoothly with digital wallets. That’s why we partnered with Digital Commerce 360 to bring you our latest report: E-Commerce Checkout Optimization.
This in-depth report provides real insights from 100 online merchants, showing you the strategies that are making a difference. Here’s a glimpse of what you’ll find:
- Top pain points merchants face in managing payments and how they’re solving them
- The role of banks and credit unions in providing trusted, scalable checkout solutions
- Key factors in partner selection, including responsiveness and specialized knowledge
Discover how you can create an optimized checkout experience with these insights.
Commissioned by Early Warning Services, LLC, owner of the PazeSM checkout solution