Is Paze secure? Security and privacy explained

Paze^Ⓡ is a first-of-its-kind way to check out online offered by Capital One and other banks and credit unions. With Paze, your eligible cards are preloaded and ready to use for fast and easy checkout—there’s no need for manual card entry. 

Check out this guide to learn about additional security and privacy protections you can expect when using Paze to check out online.

What you’ll learn:

• Paze is a way to check out online that’s offered by financial institutions you already have a relationship with.

• With Paze, you don’t need to download a new app or create a username and password to use it. 

• Paze eliminates the need to manually enter your card numbers, and it doesn’t share those numbers with merchants.

• In addition to the authentication methods provided through your mobile device, Paze uses other verification methods for an extra layer of protection.

Here are five security benefits to keep in mind when using Paze for online checkout.

What makes Paze safer than manual entry is that it uses tokenization to help protect your actual card number. This means that your actual card number is not shared with merchants. Instead, a token—a unique, randomly generated number—is used for your purchase.

Paze is offered by some of the most well-known financial institutions in the U.S., including Capital One. That means you can shop online feeling confident that Paze is backed by the bank or credit union you already have a trusted relationship with.

With Paze, there’s no third-party app to download or separate service to sign up for. So you may avoid some of the added risk that can come with creating a new account and sharing personal information with third parties. 

Unlike typical digital wallets, Paze can automatically preload your eligible credit and debit cards from participating financial institutions—there’s no need to add them yourself.

When you check out with Paze, you don’t have to enter your card number on merchant websites. Just enter the email address associated with your banking account when you check out, and your cards will be available for you to choose from.

Plus, with Paze, your card numbers stay up to date automatically, even if a new physical card number is issued or if an expiration date changes. 

Paze may send a text message with a security passcode during checkout to help verify your identity with two-factor authentication (2FA). And depending on the mobile device you’re using, you may be able to create a passkey for Paze to use biometric authentication, such as a fingerprint or facial recognition, or other available verification options.

Using Paze is safer than manually entering your card details to make an online purchase because Paze does not share your actual card number with merchants.

Capital One offers Paze for eligible cardholders. And with the Capital One Mobile app, you can manage your eligible cards and payment options in one convenient place.